Key takeaway: You do not need endless quotes; you need a consistent way to compare the right numbers.
Gather quotes within a tight window and record the rate, APR, lender fees, credits, lock period, and loan assumptions in one place.
Use the same scenario for every lender so differences are easier to spot. Changing down payments or credit assumptions makes comparisons noisy.
Choose a short finalist list and judge them on execution as well as price. Communication and speed can matter as much as small fee differences.