Vantage vs. The Other Lender
As an independent mortgage broker and your fiduciary, we compare dozens of the nation's top wholesale lenders. Enter loan details below and see exactly what you save — in rate, fees, and real dollars — side by side.
Enter Your Loan Information
A PDF download link is available at the bottom of this page.
Comparison Results
Full Savings Breakdown
Every dollar compared — at closing, monthly, and over time
Interest Paid Over Time
How rate differences compound against you over the life of the loan
We Work for You — Not the Lender
As an independent mortgage broker and fiduciary, Vantage Mortgage Brokers has zero allegiance to any single lender. We submit your loan to dozens of competing wholesale lenders and bring you the best combination of rate, fees, and service. Retail banks and direct lenders can only offer their own products — and they have no obligation to tell you if someone else is better.
This tool uses only the numbers found in Section A (Origination Charges) and Section J (Lender Credits) of a standardized Loan Estimate — the only costs directly controlled by the lender. Third-party fees like title, escrow, and appraisal are roughly equivalent regardless of lender and should not skew your comparison.
Where to Find These Numbers on Your Loan Estimate
Every licensed lender must provide a standardized Loan Estimate (LE) within 3 business days of application. The two sections highlighted in yellow below are the only numbers used in this comparison.
Origination Charges (Box A)
- % of Loan Amount (Points / Discount)
- Loan Discount Fee
- Underwriting Fee
- Processing Fee
- Doc Prep Fee (if applicable)
- Application Fee (if applicable)
- Any other lender-originated fees
Lender Credits
- A credit from the lender reducing your closing costs
- Typically offered in exchange for a slightly higher rate
- Found under Total Closing Costs (Section J) of the LE
- Enter as a positive number — subtracted automatically