Actually, I use a loan officer from them that I recommend all of the time. Sometimes it depends on the bank that you are dealing with and sometimes it can be the loan officer. The one I use is always on top of things and you can contact them day, night, or weekend and get a quick response. I have not had a loan not go through.
It depends on how far along you are in the process to see if you want to change. Your contract should have a mortgage contingency date on it. If you are going USDA you are going to need a month for approval and if you are coming upon your contingency date soon, then I would wait on jumping ship and finding another lending. If you think the loan officer is not capable, you can always talk to a supervisor and have another loan officer assist you with your loan.
Yes, It is customary in Connecticut that there will be a fuel adjustment at closing.
A credit is given to the sellers for any fuel left in the oil tank. If the sellers request a reading from the oil company with enough notice, it will usually appear on your HUD-1 (Settlement Statement).
If it is done at the last minute then you may have to write a personal check at closing to the seller. It depends on timing and the attorneys.