When you say " reputable" I am assuming you mean a lender that wont over charge you for fees, origination, rebate is that correct?
Thats a great question. If you go directly to your big national bank the loan officers typically makes a salary and a very small bonus for loans..they will get paid whether you do a loan with them or not.
Then, there are MORTGAGE BROKERS, they do not make a salary they earn a commision on the refi/purchase loan they originate for you. They make money two ways REBATE or ORIGINATION...an example of REBATE is if the par rates are 5% they can actually give you 5.375% rate which would approximately put $3000.00 in their pocket as commision. then they will charge you ORIGINATION pts. Mortgage brokers typically will charge you 1% so on a $300,000.00 transcaction they will put another $3000.00 in their pocket. So at the end of they day the mortgage broker check will be $6000.00 that U PAID Thru REBATE AND ORIGINATION. This scenario is very typical I have seen mortgage brokers charge 3% on rebate and 2% on origination you do that math, its mind boggling.
The temptation for overcharging in mortgage brokering is very great especially if that particular mortgage broker is having a slow month. So take your pick Big bank where the loan officers make a salary or Mortgage Brokers where they make money on your transaction. I am sure there are mortgage brokers that are reputable out there but put that mortgage broker in slow month then they can literally choose your rate and fees.
Prudential CA Realty
940 Eastlake Parkway
Chula Vista CA 91914
direct: 619 972 8798