You decide what's best for you:

Local Mortgage Broker vs. Mega Bank
Handles mortgages only Also sells car loans, checking accounts, etc.
Saves you money with wholesale rates Offers higher retail rates
State licensed Not required to be licensed
More flexibility of terms Fewer options
Consumer advocate and coach Salesperson
Shops hundreds of competing loans Loan offers limited to their own products
Available, even on weekends Strict banking hours
1.50% Compensation 3.00%
4.375% Loan Rate 5.00%
4.383% APR 5.00%
$998.58 P&I Payment $1,073.64
$359,481.76 Total Payments $386,510.40
$75.06 Monthly Savings ---
$27,028.64 Life of Loan Savings ---

* Numbers based on 30-year fixed term mortgage for a house with a $250,000 purchase price, and includes a borrower FICO score of 760 with an 80% LTV. The principal and interest payment does not include taxes and insurance premiums, which will result in higher actual monthly payment.