Mortgage comparison calculator
Compare mortgage loan estimates side by side. Key in each offer and see rate, APR, closing costs, monthly payment and break-even ranked against each other — free, and every figure stays in your browser.
Add an estimate
Key the figures from each estimateManual entry
Side-by-side comparison
Best value · highlighted| Metric | NorthbridgeWIN Conventional · 1st lien · Purchase | Crestline Conventional · 1st lien · Purchase | Harborview Conventional · 1st lien · Purchase |
|---|---|---|---|
| Note rate | 5.875% | 5.950% | 6.025% |
| APR | 6.09% | 6.22% | 6.31% |
| Monthly P&I | $2,662 | $2,684 | $2,705 |
| Closing costs | $9,850 | $10,420 | $11,240 |
| Escrow / taxes | $412 | $412 | $412 |
| Mortgage insurance / mo | $0 | $0 | $0 |
| Buydown (cost) | none | none | none |
| Upfront total | $12,100 | $11,545 | $11,240 |
| Break-even vs. cheapest | 1.7 yrs | 1.2 yrs | baseline |
| Weighted score | 55 | 47 | 45 |
Already have a mortgage? Compare the winning offer to your current loan. New to the form? Read how to compare mortgage loan estimates. Not refinancing? Save money on your current mortgage without refinancing.
How this mortgage comparison calculator works
1. Enter each offer
Add a row per lender straight from page 1 and page 2 of the Loan Estimate: loan amount, term, rate, APR, points, lender credits, closing costs and mortgage insurance.
2. See the comparison
Every offer is lined up on monthly payment, upfront cost, break-even point and lifetime cost, so a low rate bought with heavy points can't hide.
3. Weight what matters
Slide the weighting toward cash at closing, lowest payment or lowest total cost and the ranking updates. Export the comparison as a CSV when you're done.
Comparing mortgage offers fairly means comparing the same loan shape — same lien position, same purpose, same term and roughly the same loan amount — on estimates dated within a few days of each other. This calculator enforces the lien and purpose match for you, and the guide on how to compare mortgage loan estimates walks through the rest line by line.