Tool · Compare Loan Estimates
Shopping around, made real — two Loan Estimates, side by side
The CFPB tells you to compare offers; this shows you how. Enter the fees from two or three Loan Estimates and see them line by line — the all-in totals, the cheapest per fee, and the charges a lender actually controls versus the ones that barely move. It compares the numbers; it never tells you which to pick.
Enter the dollar amount for each fee from two or three Loan Estimates. We total them, mark the cheapest per line, and separate the fees a lender controls or you can shop for — where comparing actually gives you leverage — from the ones that barely move.
Origination / underwriting fee
Set by the lender
Discount points
Set by the lender
Appraisal fee
Third-party, lender-selected
Credit report fee
Third-party, lender-selected
Title — lender’s policy
You may shop for this
Settlement / closing fee
You may shop for this
Recording fees & transfer taxes
Government / fixed
Prepaid interest
Prepaid / escrow
Initial escrow deposit
Prepaid / escrow
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Not sure what a line means? The Loan Estimate Decoder explains every fee by section and class.