What refi rates and costs are you seeing?

After buying a house last summer at 7%, my current lender and a few other lenders I rate shopped started reaching out about a refi.

So far, the best I've received is from my current lender, FILO: - 6.5% as of last Friday (claims to have not see any improvement so far today (Monday); not sure I believe them). - $1,089 cash to close (lender covering over $4k in credits) - 778 credit score - San Francisco Bay Area, CA - Loan Amount ~$750k

edited to add loan amount