Woodruff Federal is absolutely wonderful! In late 2015 we were dealing with a bunch of clowns at a mortgage broker to try to get our new small home financed. After much frustration and getting nowhere with them, we contacted Woodruff Federal Savings and Loan and my husband spoke to Morgan. We made an appointment to speak with him and they were able to finance our home. Not only that, but it was simple and fast. The other place had made it this LOOOOONG drawn-out process and it was a complete headache. I still can't believe how easy it was here. They financed our small home with no problem, where other places wouldn't touch it because of the size. We will be paying our home off in the next month or so, but we will be back in the future if we need anything else. Highly recommend!