Not comparing home loan offers from multiple lenders: Lenders consider the credit profiles of the home loan applicants while setting their interest rate, tenure, processing fee, loan amount, and loan-to-value (LTV) ratio. Lenders also factor in their cost of funds, credit policies, and other internal factors while setting their home loan interest rates. As these factors can vary widely among lenders, home loan features like interest rates, processing fees, LTV ratio, etc., offered by various lenders to the same applicant can also vary widely.