National average locked rates
30-year conforming6.647%▲ +0.011
30-year jumbo6.651%▼ -0.093
30-year FHA6.488%▲ +0.066
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Your AI mortgage guide

Meet Lenny™.

A clearer way to compare mortgage options.

See matched offers, understand the cost behind each rate, and know which tradeoff fits your plans.

Matched wholesale ratesPlain-English comparisonsYou choose when to connect
Live matched-rate comparison
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Start with your mortgage scenario.

What are you planning?
Down payment$100,000 16.7%

Private scenario search. No lender receives your information.

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Upload the offer you already have for a private checkup, or compare two offers side by side.

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See the whole tradeoff immediately

A rate table that explains what the numbers mean.

Select an example offer and Lenny will focus on that decision—without repeating commentary under every row.

Illustrative comparisonNot live pricing, a quote, or an offer to lend.
Example scenario$500,000 purchase$400,000 loan30-year fixed760+ creditFive-year view
Offer strategyRateAPRMonthly P&IUpfront lender cost5-year cost
6.125%30-year fixed6.240%$2,430$3,200Points and lender fees, minus credits$149,000
6.375%30-year fixed6.375%$2,495$0Points and lender fees, minus credits$149,700
5.875%30-year fixed6.080%$2,366$9,800Points and lender fees, minus credits$151,760
These are example numbers. Your answer begins with your scenario.Lenny will replace every assumption with matched pricing for the loan you describe.
Price my actual scenario
Wholesale mortgage pricing access

Access wholesale rates

Through participating network professionals

Consumers cannot access wholesale mortgage lenders directly. Participating licensed brokers and lenders in the LenderCity network may compare eligible scenarios across wholesale channels and other matched sources.

Representative channels

Lenders in our wholesale network include:

Availability varies by scenario
  • United Wholesale Mortgage
  • Rocket Pro
  • Pennymac TPO
  • Newrez Wholesale
  • Paramount Residential Mortgage Group

Logos and names are shown for marketplace context only. Availability depends on network partner, state, loan program, borrower profile, and current pricing; logos and names do not guarantee an offer, placement in results, affiliation, or endorsement.

Compare mortgage rates

See where locked mortgage rates are moving.

Follow national rate-lock activity for context—then let Lenny compare live offers priced for your actual loan.

Compare live rates National indices are context, not a personalized quote.
LenderCity Mortgage Market IndicesNational Averaged Locked Rates
Live index feed

Market data and widget provided by Optimal Blue. Displayed separately from personalized LenderCity offers.

Already have an offer?

Get a second opinion before you choose.

Upload one Loan Estimate for a private checkup, or two to compare the disclosed payment, fees, credits, and break-even side by side.

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Illustrative comparisonLenny read both Loan Estimates
Same $400,000 loan · 5-year view
A
Estimate ALower payment
Rate / APR
6.125% / 6.24%
Monthly P&I
$2,431
Upfront lender cost
$4,800
B
Estimate BLess cash upfront
Rate / APR
6.375% / 6.46%
Monthly P&I
$2,515
Upfront lender cost
$1,900
Lenny's readEstimate A recovers its added upfront cost in about 35 months.

Over five years, its lower payment is projected to save about $2,140 after accounting for the $2,900 upfront difference.

LennyMortgage answers, minus the mortgage-speak.

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Mortgage decisions, explained.

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