$436 is only the lender fee. It does not include the FL doc stamps, taxes and other prepaids that would need to be paid in any refi.
For comparison, I went to my Credit Union first. They gave me a rate of 3.75 (LenderFi is 3.375)
Origination Fee of $800 plus points of $1,332. LenderFi does not charge this fee and no points.
Credit Union wanted an appraisal for $500. LenderFi said no appraisal.
I'm now certain that the Credit Union can be beaten by just about anyone. Regardless, the LenderFi deal is good, if not great.