Lots of good LOs and companies not located locally.

My recommendation would be to get a quote from like 3 types of lenders

Independent (rocket, guild, fairway type bank)
Big bank (us bank, chase etc)
Credit union

Each have different economics so they can offer better rates at different times.

Well worth shopping around. As soon as your credit is checked, you’ll get many calls. It’s worth hearing a few of them out and spending 20 on the phone with them. Make sure you let them know you are working with multiple lenders and have them compete for the best price.

All lenders can typically drop rate by .375 or so without you having to buy down