Mortgage Rates Differences Across lenders

[Ruchi Patel]

I am currently in the process of purchasing a 2 family property in NJ, however the lender i am working with has higher rates even now compared to the 2-3 other lenders I get rates from. I am trying to wrap my head around why the rates are so different when my income/credit score and down payment is same across. Is there anyway to verify if she is overcharging for no reason. Rates are standard set by the market and treasury rate which than is factored with a person credit score, income, etc. 

The current lender is still saying the rates are ticking up and what not