Texas Buyer Tool

Lender Comparison Worksheet

Loan Estimates aren't apples-to-apples. The lowest rate may carry the highest junk fees. We add it all up over your real holding period.

Your inputs

Loan amount

Term

years

Fee benchmarks below flag anything above what a competitive Texas lender should charge.

Fair-fee ceilings (Texas, 2026):
Origination ≤ $1,200 · Processing ≤ $500 · Underwriting ≤ $750 · Doc prep ≤ $150

Line item	Lender A	Lender B	Lender C
Name
Rate	%	%	%
Points
Origination
Processing
Underwriting
Doc prep
Lender credit
Net lender fees	$3,290	$1,895	$540
Monthly P&I	$1,839	$1,793	$1,816
5-year total cost	$113,654	$109,467 ★	$109,504

Orange-highlighted cells exceed fair-market ceilings - ask the lender to match a competitor or remove the fee.

Best 5-yr cost

Lender B

$109,467

Lowest rate

6.625%

Not always the cheapest!

Lowest net fees

$540

Use this to compare Section A (Origination Charges) on each Loan Estimate. Title, taxes, prepaids and escrows (Sections B–H) are largely market-set and roughly equivalent across lenders.