Navy Federal for a mortgage or should I be referred to a local bank by a broker?

I started the process of applying for a mortgage with the Federal Navy, but they did not put the package or for prior approval. One of my colleagues suggested that we., The broker that he and some of my colleagues used to buy and use their homes He said that the man was referring to a bank from which they obtained their mortgages. He said it was easy and there was not much he had to pay out of pocket, plus the cost of test (we are with the VA loan) In addition, my mortgage NFCU estimated 4,125 % seinAlso, my question is, do I continue the process with the Navy Federal Credit Union, or should I turn the broker and from there? and why? In addition, the rate Thanks for your help is high? Everyone!

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