Which Loan Is Better?

Input Information
  Loan 1 Loan 2
Amount : ($)
Interest Rate : (%) (%)
Length : (Yrs) (Yrs)
Points : (%) (%)
Origination Fees : (%) (%)
Closing Cost : ($) ($)
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Financial Analysis
  Loan 1 Loan 2
Points Value $5,000.00 $7,500.00
Origination Fees $0.00 $2,500.00
Total Closing Cost $6,200.00 $10,700.00
Amount Financed $500,000.00 $500,000.00
Monthly Principal and Interest : $2,684.11 $2,430.52
Total Monthly Payments : $966,278.92 $874,985.98
Payment Savings : $0.00 $91,292.94