We just started a refinance and ended up with PenFed a local bank for the best rate after asking a few places. I know rates have been going up quite a bit recently, but we couldn't do this any earlier--- we just moved from our primary house to a former rental two weeks ago. The interest savings come from Covid rate drop as well as the .75% rate drop going from investment mortgage to primary.
I found the best deal PenFed local bank had was to do a cash-out refinance, take out 10k 9k, and apply that to the closing and point buy down on the rate. We ended up at 2.75% for a 30 year loan, paying almost 4 2.375 points, so the APR is something like 3.15% but there are no out of pocket costs.
edited to update--- local bank called back after getting loan started with PenFed, but was able to cancel and save some money.