While its important to get a competitive price, it make no sense to not have the correct coverage even at better prices.

I gauge competition through cost per click (CPC) in certain geographies.

In addition, there is usually a great deal of competition in this area, so in order to KEEP those clients, you need to offer superior service- a discount only goes so far when a client or tenant needs to speak to you.

If I was getting a conventional mortgage, I'd be putting $112K down (25%), and pay 5.75-6% for a 30yr.What should I offer him to be both reasonable and competitive?

Offices have to offer some kind of value to their agents to keep them otherwise they will lose to competition like Compass. 

It became a curiosity to me because in these other popular markets like CA and AZ, there saturated with competition.

That is my competition.

A good way to make your program competitive is to make sure you get your info very early.

Why would someone want to train their future competition though?

Can't remember his name but he was the one who eliminated the sumo wrestler and actually broke his foot on the guy but never let on and continued through the rest of the competition.