Is interest rate only criteria to pick a bank for my mortgage ?

I am shopping for homes and wanted to get a pre-approval letter and later get a loan from bank.





What factors do I need to consider to say that the bank what I am picking is the best one I got ?





Just checking the interest rate,my downpayment is enough ?





I have 800+ fico, 5 yrs work history, 20% downpayment.|||Check also the points the bank is charging, and the loan fees, and ask which escrow company they use and then check the fees AND charges of that escrow company.





All of these items will raise your loan cost considerably and vary from institution to institution.