We just closed on a re-finance with Quicken.  They told us they will be the servicer of the loan and it most likely will not get sold.  We did a VA loan and they told us 640 was the minimum score, of which we were much higher thanks to myfico.com.

Their service was great although our original mortgage consultant was a bit mis-leading on the rate and buy down.  I found a few errors related to the payoff of our original loan such as them not applying the last payment, etc.

I was able to get them to cover all of our closing costs except our initial escrow deposits.  That alone was $3500.  All we had to do was ask for that and let them know that we had other options.  I was quite pleased.