I have multiple sources to check. There are huge spreads every day between lenders.
Rates change constantly. If you want to check my rates then contact me. If you aren’t comparing rates at the same moment, then you may not be comparing apples to apples.
I have had online rates change while on the phone with borrowers.
Different lenders have different rates all day long.
It also depends on the rest of the closing costs that you are charged.
My wholesale + 1 point could easily be less than Wells + 1/2 point.
