When it comes to getting a loan, the borrower compares estimates to estimates. It would be nice if there was some way to know which loan companies give accurate estimates at the outset, and which ones "low-ball" their estimates to get the application, then end up charging more at the end of the process after the buyer has reached the point of no return.
Best of luck,
Lenders rates vary, but if I were the consumer, I would select a lender based on reputation- giving affordable lender fees, the best interest rate on the market, and ability to CLOSE ON TIME. That's nothing to say that they provide an accurate loan that is what they promised and doesn't have terms that I didn't know were there.
Federal law has restricted what they can charge now for fees so there isn't the misrepresentation and gauging that might have gone on before, but they can still charge a little different than another lender.