The Mortgage Professor
http://www.mtgprofessor.com/A%20-%20UMLs/list_of_upfront_mortgage_lenders.htm

I like this guys web site and the links and spread sheets he provides .
home » mortgage rates.
I believed his up front lenders are very similar to HLS

You need to quailfy for a loan but here was some advertised rates for loans.

Amersave
Today’s Mortgage Rates
September 11, 2009
Loans up to $417,000 Rate APR
30 Year Fixed 4.250 4.604
15 Year Fixed 3.750 4.463
FHA Rates Rate APR
30 Year Fixed 4.500 5.021
15 Year Fixed 4.250 4.734

AHC Lending
oan Program Rates APR

30 Year Fixed Rate Mortgage 4.250% 4.522%
15 Year Fixed Rate Mortgage 4.125% 4.666%
5/1 Adjustable Rate Mortgage 2.875% 7.963%
30 Year Fixed Rate FHA 4.625% 4.897%