Its a jungle out there. Instead of telling us to shop, tell us who the good guys are. First, once a lender closes on your loan, they typically resell it immediately to a secondary market lender. The interest you pay goes to the end lender, generally not to the company that closed on your loan. Your lender's entire profit is derived from the points and fees you pay, and the spread between the true cost of your loan and the amount they can resell it for on the secondary market.
Lending is big business, and top lenders earn hundreds of thousands of dollars a year.
No one is giving away anything. If you work at it, and shop around, you can find the best deal that's available. I can't tell you who a good guy is in your neighborhood because I don't live there. But there are plenty of good lenders doing an honest day's work who want to help you close on your loan. If you want to find a fairly cheap loan, look on the Internet.