A good question that has a consistently changing answer...But the truth is ..most lenders will be in the market and out of the market over time. Provident Funding, a company that sells through brokers has been a consistent price leader for conforming loans below $417,000, but not all borrowers will meet their high standards. Chase, ING, CITI Bank, Countrywide and many others will have good rates occasionally, and it is wise to use a broker who can move an application between lenders as (a) the market changes and (b) lenders are or are not competitive. Also.. there are lenders that will look competitive on the first look, but will adjust the rate up as they review the borrower's application. The whole market has changed to "risk based pricing" and if a borrower's scenario looks good the lender will have a better rate.