There has been a long-running debate as to whether a borrower should use a bank or a mortgage company to obtain a home purchase loan or refinance home loans. The question of which type of lending institution would provide a better rate, better service or best advice is a common concern for most borrowers. Borrowers are also looking for high integrity and stability in a given lending institution. Some borrowers are even worried that the company lending the money may go out of business — leaving them to deal with the consequences. And of course, everyone wants the best price.

yes Of course you are right but as your point of view What must be chosen by the borrower either Bank or Mortgage Company ?
Thanks.