I always recommend starting with your local bank. They typically will be the lowest rate offered to you in comparison to a large lender, and especially compared to a mortgage broker (middle man) that is going to charge you additional points (fee), to complete the loan transaction for you.
Jane La Trace
David Van Noy Jr.
Go back to the first lender and ask them to see if they can compete with the other offer. Be sure all of the other fees are the same, they can slide a lot more in than just the percentage rate.