You don't necessarily have to limit yourself to lenders in your area. In fact, there are many national lenders that can provide lower rates than local lenders because they have a wide variety of lending partners nationwide, and are not limited to one specific area or state. Check out this link (http://www.hud.gov/buying/booklet.pdf) and consider looking outside of your local area for the lowest current mortgage rate.
I hope this information helps. Best of luck!
Total Mortgage Services