how to compare loans

[Saman Jafari]

I've got a pre-approval from WF with 2.786% APR and 2.625% interest rate (with 760+ credit score). However, I was trying to compare this with other lenders' loans, but I am not sure if I need to compare the APRs or interest rates? I think it makes more sense to compare APRs since it gives a more realistic monthly payment amount.

In addition, what other details I need to consider or ask my underwriter to provide me with, just to ensure that they are not filtering out the parts that they don't want me to know.

It would be great to hear from others who have applied for a loan around this time to compare the numbers.