My agent recommended a mortgage loan officer from a bank. When you use a loan officer do they shop lenders for you or are you restricted to their bank? Are they same as mortgage brokers that charge?

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Loan officers work for that bank. Their job is to sell you for that specific bank. They will not shop lenders for you.

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All I know is that all these guys are in cahoots and will “recommend” their friends. Shop around. I’ve seen a lot of stories on Reddit around this

Yup, as SC1 said, that is specific to that bank. However, the bank’s loan officer can also help you apply for state loan programs as well, they just need to be certified to do so. I.e. Webster Bank loan officer we can sell you their best rates, or can help you acquire a government loan for First Time Home Buyers or Low Income Home Buyers.

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