There's a lot of competition and it's priced that way.

Sorry, I'm more from the "Look at Your Competition and do it Better Than Them" course. 

I will add that generally speaking, and in a competitive market, great deals are not found but created by negotiations, marketing, creativity, the ability to solve problems for others, and lots of work.

I'm an Illinois real estate attorney and am unfamiliar with the standard and customary fees charged by title companies in the Tampa Bay area.I do have some observations and comments.The larger and reputable builders in the Chicagoland area do offer credits if you choose their lender and mostly the lender fees charged are competitive. 

I don't want more competition!

I realize there are a lot of other factors that depend on your success (i.e. closing rate, market, competition, systems you have in place, etc), but listening to an old podcast (#81) with Michael Quarles he said that he saw a roughly 8-10x gross return on marketing.

Will you receive competitive rates due to volume discounts the company receives from vendors?

Starting out at 135,000 may have been a bit aggressive, but not terribly especially looking at the competition in the area.

Believe that within your market, that integrity will eventually stand out and put you ahead of the competition.

The most competitive one from an interest rate standpoint is the Fannie Mae Homestyle Renovation loan.