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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Meet LennyTM. Rates delivered with an AI mortgage advisor.

See live offers built around your numbers. Lenny will show you what each one costs now, what it costs over time, and where the fine print deserves a closer look.

Rates for your numbersThe tradeoff in dollarsQuestions worth asking
Ask LennyAsk about a rate, fee, credit, or the offer in front of you.
Live mortgage intelligence
Educational guidance only. Final terms require confirmation by a licensed mortgage professional.
Live matched-rate comparisonNo credit check

Start with your mortgage scenario.

Lenny will compare available offers on the same loan, then explain the payment, upfront cost, and timeline tradeoffs.

Live pricingAI-guided comparisonYou choose when to connect
Compare live offers

Your numbers in. The tradeoffs come into focus.

Your mortgage scenario

Tell Lenny about the loan you want.

What are you planning?
Down payment$100,000 16.7%
Why these details matter: A rate only means something when every lender prices the same loan. Lenny uses your answers to keep the comparison apples to apples.

Start privately. No name, email, phone number, or Social Security number is needed to compare.

LenderCity Mortgage Market Indices

See where locked mortgage rates are moving.

Powered by Optimal Blue, the LenderCity Mortgage Market Indices use observed rate-lock activity to show national market direction. Use this as context, then let Lenny compare offers matched to your actual scenario.

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LenderCity Mortgage Market Indices

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

Already have an offer?

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.

Check my estimate
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

Make the mortgage make sense.

View all mortgage guides
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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Still have a mortgage question?

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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.