Why would you do that, when you can find someone local who will know the area, and give you as good a rate as anyone you will end up with on line. Some of the on-line lenders are notorious for quoting one thing to get the deal, then giving you something else once you have gotten too far. There have been all sorts of bait and switch lawsuits about rates posted online. Ask a friend, family member or co-worker who recently bought a home for a recommendation. Chances are if they are happy, you will be too. I know that most of the good loan officers in my company have built their business that way. People are very happy to tell you about "their mortgage guy", if they had a good experience.