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