Who Actually Gets Those Low, Low Mortgage Rates?

Marketplace, Oct 20, 2020–Amy Scott
Given the same set of facts, different lenders come up with different deals. Say you want to refinance your house and are looking for a 30-year fixed-rate mortgage. A search using an online aggregator may spit out a loan with a 2.5% interest rate, but $3,500 in fees. Another offer might come with a higher rate of 3.62%, but with zero fees.
https://www.marketplace.org/2020/10/20/who-actually-gets-those-low-mortgage-rates/