What can I do to get more (or better) quotes for my loan request ZR-HYHYBTF

You are getting accurate quotes. The combination of your 640-659 score range and LTV prices in a 3 point penalty which is reflected in the rates you see on the 30 Year Am quotes. That price adjustment does not apply to a 15 Yr Amortization which is why those rates look so good. If your income is $490K / year as listed then take the 15 Year option. If your income is actually $49K/year and a 15 Yr payment is too high and you want a better 30 Yr offer then you will need more down payment ( 10% more will drop the credit score penalty from 3 points to 1.25 points ) or look at ways to improve your credit scores.