Are private / independent brokers or mortgage companies better than bank mortgages company? In terms of saving money?

I found my Bank has lower fees in terms of appraisals, title, etc so why would anyone want to use any other mortgage company besides banks? I got approved with 3 mortgage companies and 1 bank and the bank still came out to the best in terms of a conventional loanwith conventional downpmt, in terms of total total... show more I found my Bank has lower fees in terms of appraisals, title, etc so why would anyone want to use any other mortgage company besides banks? I got approved with 3 mortgage companies and 1 bank and the bank still came out to the best in terms of a conventional loanwith conventional downpmt, in terms of total total needed for closing
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