Questions on Using the Internet to Get a Mortgage

Why have mortgage web sites not lived up to their promise?
What features will the second generation of sites have that may redeem the promise?

In shopping on the web, which category of settlement costs is likely to be quoted accurately, and which should be viewed with skepticism?

Why have multi-lender web sites largely disappeared?

Is there any point in going to internet referral sites before visiting the sites of individual lenders?

What are the four challenges facing mortgage shoppers in using single-lender web sites?  Where do these sites shine, and where do they fall short?  Why aren't they better?

What are the specific strengths and weaknesses of individual sites?

  What types of borrowers might benefit from using internet auction sites? Do these sites promote competition?  How could they be improved? How can they be used effectively now?

Is Loan.com a better mortgage referral site?

Is MortgageGrader.com a better type of mortgage web site?

MY QUESTION IS NOT HERE.  I WOULD LIKE TO LEAVE IT FOR THE PROFESSOR