Mortgage market snapshotNational context, not your quote
30-year conforming6.647%▲ +0.011
30-year jumbo6.651%▼ -0.093
30-year FHA6.488%▲ +0.066
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Other rate comparison sites show you numbers. Lenny tells you what they mean.

Rates for your numbersThe tradeoff in dollarsQuestions worth asking
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What are you planning?
Down payment$100,000 16.7%

Live pricing for your numbers. You choose if and when to connect.

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Mortgage paperwork has plenty of fine print. Your question does not need any.

Educational guidance only. Final terms require confirmation by a licensed mortgage professional.
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LenderCity Mortgage Market Indices Powered by Optimal Blue

See where locked mortgage rates are moving.

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

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LenderCity Mortgage Market Indices

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

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Let's find out what your Loan Estimate really says.

Bring one estimate for a plain-English checkup, or two to see which deal fits you better. Lenny will untangle the fees, credits, payment, and break-even.

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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.

Expert guidance

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LOAN ESTIMATES

How to compare two offers line by line

Keep the assumptions aligned before choosing a winner.

Read the guide
RATES & APR

Why the lowest rate is not always cheapest

See how points, fees, and credits reshape the decision.

Read the guide
REFINANCE

Find the month your refinance breaks even

Measure monthly savings against total upfront cost.

Read the guide
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Lenny
ASK LENNY

Ask the mortgage question nobody explained clearly.

Mortgage paperwork has plenty of fine print. Your question does not need any.

Educational guidance only. Final terms require confirmation by a licensed mortgage professional.