Please tell me, do the numbers like interest rate vary much between different financial institutions? For example, could there be a material difference in the interest rate between Prime Lending and a credit union or other financial institution? I imagine it is acceptable for an institution to mandate a higher interest rate, like any business would have a different price on a product than another vendor? Is there anything other than market pressure (like laws, etc.) that control what interest rate Prime Lending can offer, or is it whatever the market can bear?

In short, should I shop around for a mortgage loan? Each credit check may negatively affect my slightly greater than 800 credit rating.

Thank you,