Compare Loan Estimates
Line up two or three Loan Estimates and see clear differences in rate, APR, origination, points, credits, net lender fees, and estimated monthly P&I — without a sales pitch or phone form.
- Desktop: side-by-side matrix. Mobile: tabs and stacked cards (not a squeezed table).
- We highlight lower/higher per metric — we do not crown an overall “winner.”
- Optional 2025 multi-state HMDA context (all 50 states + DC) when you pick a matched lender or county.
Comparing 2 Loan Estimates…
Educational research only — differences are highlighted; we do not pick a “winner.”
Key differences (not a ranking)
Lowest / highest callouts are per metric only. Cash-at-closing vs monthly payment trade-offs depend on how long you keep the loan.
- Lowest rate: Estimate A (6.500%)
- Lowest apr: Estimate A (6.750%)
- Lowest origination: Estimate A ($3,500)
- Highest credits: Estimate B ($1,000)
- Lowest net fees: Estimate A ($3,500)
- Lowest p&i / mo: Estimate A ($2,212)
Market rate context
National 30-year fixed average
6.69%
as of 2026-08-06
Use this national average as a research benchmark when reading a Loan Estimate interest rate. It is not a personalized offer and will not match every product, credit tier, or market.
Source: Freddie Mac via FRED (St. Louis Fed). National average contract rates published weekly by Freddie Mac and distributed via FRED. This is a market benchmark, not a quote for your loan, credit profile, or property. We show the public record. You decide.
Side-by-side metrics
| Metric | Estimate ATruliant Federal Credit Union | Estimate B |
|---|---|---|
| Interest rate | 6.500%lower | 6.750% |
| APR | 6.750%lower | 6.950% |
| Origination charges | $3,500lower | $4,900 |
| Discount points (paid) | $0 | $0 |
| Lender credits | $0 | $1,000higher |
| Net lender fees (orig + points − credits) | $3,500lower | $3,900 |
| Est. monthly P&I (30-year) | $2,212lower | $2,270 |
Green highlight = better on that metric alone (lower rate/fees or higher credits). Amber = higher cost / lower credits on that metric. Not an overall recommendation.
Estimate snapshot
Estimate A
Difference callouts
Compared to Estimate A where both values exist.
- Estimate B is 0.250 percentage points higher in rate than Estimate A.
- Estimate B is 0.200 percentage points higher in apr than Estimate A.
- Estimate B is $1,400 higher in origination than Estimate A.
- Estimate B matches Estimate A on points.
- Estimate B offers $1,000 more in lender credits than Estimate A.
- Estimate B is $400 higher in net fees than Estimate A.
- Estimate B is $58 higher in p&i / mo than Estimate A.
How to read these trade-offs
- •A lower rate with higher points can cost more cash at closing — check how long you expect to keep the loan.
- •Lender credits often raise the rate; lower cash due today can mean higher monthly P&I over time.
- •APR is a useful cross-check when fees differ, but it is not a quality score and depends on assumptions in the Loan Estimate.
- •These comparisons use the numbers you entered. Always re-read the official Loan Estimate and Closing Disclosure.
Federal market context (when selected)
Truliant Federal Credit Union: 3,466 North Carolina originations (2025 HMDA). Profile
Forsyth County: 9,620 originations, 18.0% denial rate. Market page
Activity context only — not a fee range for this Loan Estimate.
Forsyth County: 9,620 originations, 18.0% denial rate. Market page
Activity context only — not a fee range for this Loan Estimate.
Limitations & disclaimers
- • Educational comparison only — not underwriting, not a recommendation of any lender, and not financial advice.
- • We do not declare an overall “winner.” Trade-offs (cash at closing vs monthly payment vs rate) depend on your situation.
- • HMDA context, if shown, is 2025 multi-state market activity (all 50 states + DC) — not historical fee percentiles for these Loan Estimates.
Prefer one estimate at a time? Understand your Loan EstimateEducational research only · No phone number · We show the public record. You decide.