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
See the live index

Meet Lenny™.Your AI mortgage assistant.

Other rate comparison sites show you numbers. Lenny shows you wholesale rate offers and tells you what deal best fits your priorities.

Access wholesale ratesCompare lendersUnderstand the costs
Live matched-rate comparison
No credit check

Start with your mortgage scenario.

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

Ask Lenny about your mortgage.

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.

Analyze my Loan Estimate
Compare live offers

Your numbers in. The tradeoffs come into focus.

Wholesale mortgage pricing access

One scenario. More wholesale pricing paths.

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 wholesale channels available through the broader broker and lender marketplace

  • United Wholesale Mortgage
  • Rocket Pro
  • Pennymac TPO
  • Newrez Wholesale
  • Paramount Residential Mortgage Group

Wholesale lender access is provided through participating licensed brokers and lenders—not directly to consumers. Availability varies by network partner, state, loan program, borrower profile, and current pricing. Logos are shown for marketplace context; they 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 market context, then let Lenny compare live offers priced for your actual loan.

LenderCity Mortgage Market Indices

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

Compare live rates
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
LennyAsk Lenny

Still have a mortgage question?

Ask in plain English. Lenny will explain the concept, show the tradeoff, and suggest what to ask a lender next.

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.