Oh Jay, all banks are going to be competitive with their interest rates, but each lender makes money in various ways on a mortgage loan, so you can't compare them on interest rate alone. Shop around and have each lender provide your a good faith estimate of what it will cost to close, just make sure each lender is using the same lending terms. From there you have to crunch the numbers.Where you open your bank accounts or have a credit lines makes no difference to the lenders and will have no effect on your rate now or in the future. Just realize those check cashing cards that have mastercard or visa on them that are directly connected to your bank account, aren't real credit cards in most cases, and if you are relying on them as lines of credit, you are going to have trouble qualifying for the loan in the first place. The best way to get the best rate, is to get a loan as soon as possible. interest rates aren't going to get any better than they are right now.