What are all the types of Lenders and how do they work?

[Fahadbin Alam]

So I'm Brrrring right now and I have no Idea how to refinance my property.

1. Do I only contact a bank? Will they give me a loan right away? I have a 730 credit score.

2. How do I know their interest rate? Like I have TD Bank so do I just go to all the different types of TD banks in my location or can I go to other banks like wellsfargo?

3. why do people refinance when they can get a loan in the beginning?