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Lender quotes are hard to compare because they're full of costs the lender doesn't control. Here's how to compare only what matters, plus a side-by-side tool that does the math for you.

Apples to apples

Compare what the lender controls

Ask every lender for an official Loan Estimate. It's a standard three-page form, so the same costs land in the same sections on every one. On page 2, focus on Sections A and B and ignore the rest.

Compare these

  • Interest rate and loan program, for the same loan amount and term
  • Points: money you pay to buy a lower rate (Section A)
  • Origination, underwriting, processing and application fees (Section A)
  • Services the lender picks, like the appraisal, credit report, flood certification and tax service (Section B)
  • Lender credits toward your closing costs
  • Mortgage insurance, if your loan has it
  • Rate lock length and cost

Ignore these

  • Attorney and title fees (Section C): set by your closing attorney, who you choose, not the lender
  • Taxes and government fees (Section E): recording fees and Georgia's intangible tax are set by law
  • Prepaids (Section F): homeowners insurance, property taxes and prepaid interest, which depends on your closing date
  • Initial escrow deposit (Section G): based on your taxes and insurance

These are the same no matter which lender you choose. Some lenders estimate them low to make their offer look cheaper, which is one more reason to leave them out of the comparison.

Want the real closing-attorney numbers? Ask the closing attorney for a fee sheet. It'll be the same for every lender. More on fee sheets →

Side by side

Lender comparison tool

Enter each lender's numbers from page 1 and 2 of their Loan Estimate. Use the same loan amount and term for every lender so the comparison is fair. Or upload the documents and we'll fill it in for you.

Upload a quote and we'll fill it in

Upload a lender's Loan Estimate or fee worksheet, or your closing attorney's fee sheet, as a PDF or a photo under 3 MB. Our AI reads the numbers and fills in the table. Always double-check them against your document.

Beta: this tool is new, so please double-check every number it fills in. Your document is sent securely to our AI provider (Anthropic) only to read it. We don't save it. Numbers you type stay on your device.

Lender 1Lender 2Lender 3Lender 4
Lender name
Loan amountPage 1
Loan term (years)
Interest ratePage 1
PointsSection A, "% of loan amount (points)"
Other lender feesRest of Section A
Lender-chosen servicesSection B total
Lender creditsSection J, as a positive number
Monthly mortgage insurancePage 1, if any
Monthly principal & interest––––
Up-front lender costsA + B − credits––––
Interest & mortgage insuranceover 7 years––––
True costover 7 years––––
Cash for lender + attorney costsUp-front lender costs + attorney costs below––––

Enter at least two lenders to compare.

Closing attorney costs the same for every lender

Optional. These come from your closing attorney's fee sheet, so they don't change which lender is cheapest. Adding them shows a fuller picture of your cash needed for closing costs.

Attorney costs: $0

Tips

Getting a fair comparison

Same day, same loanRates change daily. Ask each lender for a Loan Estimate on the same day, for the same loan amount, term and program.
Points vs. ratePaying points lowers your rate. It only pays off if you keep the loan long enough; the tool shows the true cost over the years you choose.
APR is a hintThe APR on page 3 rolls fees into a rate, but it assumes you keep the loan for its full term. Most people don't.
Local lendersMany sellers favor local lenders who close on time. Ask us who's been reliable lately. Lenders we trust →

Have quotes in hand?

We'll help you read them.

Send us your Loan Estimates and we'll walk through them with you, line by line, before you choose a lender.

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Good to know: this tool gives rough estimates for comparison only, using standard loan math. It isn't a loan offer or financial advice. Your lender's Loan Estimate and Closing Disclosure have the official numbers.