Is there a difference between various brokers and various banks?

[Wei Jie Yang]

For a conventional loan? I understand the difference between getting a loan from a mortgage broker and a lender from a bank that has an investment focus but is there a sizable difference between lenders in the same category when it comes to conventional loans? 

In terms of mortgage brokers, what would the difference be if I used Ridge lending vs Highland residential mortgage vs SNMC? Wouldn't the price of points and rates be relatively equal?

In terms of bankers what would the difference be if I went with MSI Financial vs some other small banking institution (I don't know that many others. I only know the one that I have used) Wouldn't rates, point cost be relatively the same? 

I can only imagine it would be the closing fees, but that shouldn't be a huge dollar amount anyway right?