There is no correct answer to your question other than the need for you to explore your options thoroughly for both considerations. As you have heard it's impossible to predict with any degree of accuracy which avenue will yield the best results.
Our recommendation is to begin your journey by becoming as informed as possible about the borrowing process and available programs prior to making a decision.
The Eckler Team
Select someone that you are comfortable with - and make sure you get a great rate...which the multiple discussions will get you...they will all compete with each other!
I would prefer a Direct Lender and that is what LISTING agents look for when they receive your offer.
Try the big name banks and lenders who have money behind what they write.
This is called in the trade a "Direct Lender"
Wells, B of A, Chase, Quicken, all have online applications if you prefer.
It makes a big difference when you buy a home to have your offer accepted.
So Cal Homes Realty
In our market a mortgage broker has more options for buyers. I had a deal a few months ago where my client went to a local bank and then to a mortgage broker. My client got a lower interest rate with better terms with the mortgage broker who sold the loan to the bank that they applied to directly. I hope this helps.