How to compare Loan Estimates
Read rates, APR, lender charges, credits and cash to close together.
Mortgage options / Check mortgage options
Your loan details PRIVATE
One loan.
More offers.
Your choice.
The Mortgage Rate Exchange. Participating mortgage brokers compete for your business using available wholesale pricing. Compare quotes and offers with Lenny, your guide to rates, payments and fees. Responses and timing vary.
No name, phone number, or credit pull to check mortgage options.
Start with your goal.
Buying a home, refinancing or taking cash out? Tell us what you need, then compare available quotes and offers in one place.
No name, phone number, or credit pull to start.
Brokers compete.
Lenny explains.
You choose.
A mortgage is more than a rate. The Exchange brings available quotes and broker offers together so you can compare the whole picture.
Open up your options
Participating mortgage brokers can shop eligible wholesale loan options and make offers for your loan. Quotes and responses depend on availability.
Understand the tradeoffs
Lenny helps explain rates, payments, points, fees and credits using the figures available. Missing costs stay visible.
Make your own choice
Compare offers, ask questions and decide whom to contact. Your contact details stay private until you choose to share them.
Quotes are not rate locks or loan approvals. A licensed mortgage professional confirms final pricing and eligibility.
MEET LENNY
Meet Lenny. Make sense of your offers.
Lenny is your AI mortgage guide. He helps you see how rates, payments, fees and credits fit together—and how the time you expect to keep the loan changes the comparison.
See how mortgage offers compare
“Is the lower rate worth the upfront cost?”
Ask Lenny to explain a payment, fee or credit in plain English. A licensed mortgage professional confirms final pricing, eligibility and any rate lock.
MORE LOAN OPTIONS
Wholesale options. Broker expertise.
Participating licensed mortgage professionals may compare eligible loans across wholesale channels and other available pricing sources. Availability depends on the loan details, state and participating broker.
Logos and names are shown for marketplace context only. They do not guarantee an offer, placement, affiliation or endorsement. Consumers do not access wholesale lenders directly.
Understand wholesale pricingALREADY HAVE A LOAN ESTIMATE?
Already have an offer? Take a closer look.
Upload a Loan Estimate to understand the costs, or compare two side by side. Lenny reads the rate, payment, points, fees and credits so you can see what differs.
Analyze a Loan EstimateEstimate A6.125% rate$2,431 monthly P&I$4,800 lender cost
Estimate B6.375% rate$2,515 monthly P&I$1,900 lender cost
Lenny's read: Estimate A costs more upfront but has the lower illustrative payment. The analyzer shows the estimated break-even point before you decide.
MARKET CONTEXT
See where locked mortgage rates are moving.
Follow national rate-lock activity for context, then compare responses priced for your own loan.
Explore the mortgage market index National indices are market context, not a personalized quote.LenderCity Mortgage Market Indices LIVE INDEX FEED
Market data and widget provided by Optimal Blue.
MORTGAGE GUIDES
Explore all guides Make the offer easier to understand.
Points or lender credits?
See how cash at closing can trade against the rate and monthly payment.
Calculate your break-even
Estimate how long monthly savings may take to recover refinance costs.