I completely agree with all of you.
One thing that turned me off was when the dude from GEL wanted a non-refundable upfront $115 to even apply for a pre-approval. They told my wife that every lender does this.
I called CW and not only do they do free pre-qual but since I am an existing customer they do not charge loan origination fee. I am waiting for their rates.
I WILL get several quotes because I understand that they can just push this "fee" somewhere else....