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Generally , the bigger the lender, the cheaper the rate should be. Not always true, as it is still a good area to charge more, especially if they self insure.

Some lenders still have refunds available for mortgage insurance. It used to be a flat scale determined by the insurers. However, things became competitive and the refunds were traded off in return for lower premiums and volume bonuses for the lenders using the mortgage insurers. So now...