Lender A is $500 cheaper in lender fees because they dont pay for some program or staff who, among other things, doublechecks info inputs and documents for accuracy.

I've used Propstream, Red X and Real Estate skip trace with varying levels of information accuracy.

They focus on timeliness, accuracy, and user experience.

Quote from @Dinesh Nair: I am a Canadian investor with a US corporate entity- we closed on our first property and now working to find financing through a lender… however rates keep changing all the time.. is there a site to track rates ? 

There’s almost always a rate at which it just doesn’t make sense.

With a low 4.75% rate but minimal cash flow ($50–$125/month), your equity could likely work harder elsewhere.

You send mailers and attached to a mailer is a sample of your latest baby-cow rack of tenderness.You send all these vegans a mailer asking them to buy your baby-cow burgers.Half of your mailers get returned.Now, do you really think the accuracy of any skip trace company is going to make a difference getting any of your burgers sold?

The "variables" you speak to could mean this is worth every cent of a 5.4% cap rate to "I wouldn't touch this for a 12 cap".  

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

I'm constantly juggling the rates for my Airbnb listings based on what my competitors are charging.