OK financial gurus...

The CEO and I are getting out the silver shovel for the groundbreaking in a couple of weeks and I'm curious if any of you have used any of the online mortgage companies - Countrywide, Lending Tree, E Loan, etc.?

Our local bank has a fairly good rate with low origination fees and points down to 6% APR, but E Loan currently offers a 5.375% APR with about 3.8% in points. That jacks the 'ol closing costs up a bit. I'd like to stay local, but would also like to get the best rate possible and at the lowest fees (don't we all ).

Any thoughts or suggestions? This will be my first home purchase as she owned our current house when we got married so any advice would be appreciated.