mortgage rates original source?

How to get the accurate mortgage rate? What source should I rely on? Wall Street? My lender is telling me it’s 4.625 today with FHA loan, fixed rate? I think it’s way so high!! They can’t just say whatever rate, can they? there’s has to be a place for me to compare with, a reliable, trustworthy source? I haven’t signed any paper with them yet. I will very soon, though. In fact, in hours! Therefore I would like to know asap. Plus, the up-front amount they require is also really high: 11K+ f(including min down payment of ~3.4%???) with only the house price of 120K!! They did break down the numbers but still, I feel like there’s something hidden? Please, please let me know, I would really appreciate it!

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