Add up Section A of each Loan Estimate, then compare that total alongside the quoted rate. Those two numbers are the comparison. The labels do not matter. Origination fee, discount points, application, processing, underwriting, admin, doc, even an oddball 'technology fee': total the whole box and treat the sum as your points. Then line up each lender's Section A total next to their rate. Section A is essentially the only cost category the lender fully controls on a purchase. Third-party costs in the next section barely move between lenders, usually a hundred dollars or two at most, so skip the line-item hunt there. Ask each lender for a simple loan comparison or fee worksheet showing all costs plus the rate. The bigger trap is chasing the single lowest advertised rate. We have seen a quote that looked better on rate arrive with roughly $18,000 in Section A fees against $1,500 on the original offer. The all-in cost is what you are actually comparing. And a rock-bottom rate from a lender who goes quiet mid-transaction can cost you the closing entirely; an experienced, responsive lender who gets you to the table on time is worth more than a marginal rate edge. If comparing offers still leaves you confused, that is often a sign you have not talked to the right lender yet, because reputable quotes tend to land in a fairly narrow range.