Prevailing SFH Interest Rates on 15yr??

[Mike Alt]

Hi All,  Reposting and rephrasing so not to come in conflict with forum rules.

What kind of rates is everyone getting on 15yr SFH right now? Looking at convential 20% down 15yr term and I am getting quotes that are a pretty big range with varying points.

I was recently able to get a similar loan in NY for 3.875%.   What rates should I expect in North Florida and what local banks are easiest to work with?