Who determines interest rates on FHA home loans?

Hello I wanted to know if the Bank,Credit Union, or FHA determines the interest rate of a FHA Loan? I filed bankruptcy in 2011 and my 2 years discharge will be up in July 2013. So far my 3 fico scores are 687,653,&632. I have tried to contact a loan officer with my credit union and he was kind of snobby acting. Then I called another Credit Union to get some advice and the loan officer never called me back. So i talked to a Loan officer at US bank and he was very nice and helpful and treated me like a human being despite my past financial problems. however I been told that it would be better to get home loan through credit union. Is this true?

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