Mortgage market snapshot
30-year conforming6.647%▲ +0.011
30-year jumbo6.651%▼ -0.093
30-year FHA6.488%▲ +0.066
See the live index
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
No credit check

Start with your mortgage scenario.

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

Private scenario search. No lender receives your information.

Lenny

What would you like to understand?

Already have a Loan Estimate?

Bring Lenny the offer you already have.

Upload one for a plain-English checkup, or compare two offers side by side.

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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 Indices - National Averaged Locked Rates
Live index feed

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.

LennyMortgage answers, minus the mortgage-speak.

What's on your mind?

Ask a real question. Lenny will show you the answer, the tradeoff, and what to do next.

Lenny
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Ask the mortgage question nobody explained clearly.

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

Mortgage guides

Mortgage decisions, explained.

Start with the question behind the rate, then use Lenny to compare the offers in front of you.

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