murrayhill - If I can be so bold, I too found LendingTree's rates better than the 'Big Guys', but they were still considerably higher than many others. For a really good comparision site, checkout: http://www.bankrate.com/brm/rate/brm_mtgsearch.asp

I ended up closing on a rate that was 1/2% point lower than LendingTree (with identical programs and fee structures).

Good luck!