What does the Loan Estimate Analyzer compare?

It organizes disclosed rate, APR, principal and interest, points, lender credits, lender-controlled charges, cash to close, and timeline so the tradeoffs are easier to compare.

Do I need two Loan Estimates?

No. One estimate can receive a plain-English checkup. A second estimate enables a side-by-side comparison using the same priorities and timeline.

Is the Loan Estimate Analyzer a loan approval?

No. It is educational comparison guidance. A licensed mortgage professional must confirm eligibility, program fit, pricing, fees, approval, and any rate lock.

Lenny's mortgage second opinion

Get a second opinion on your Loan Estimate.

Upload the offer you already have. Lenny organizes the disclosed rate, APR, payment, points, credits, and lender-controlled costs so you can see the tradeoff before you choose.

Not a loan approval

Step 1 of 3

Start with the quote you want checked

Add your Loan EstimatePDF, photo, screenshot, or text fileEstimate AYour quote

Add a second offerOptional PDF, photo, screenshot, or text fileEstimate BSecond quote (optional)

Loan Estimates are hard to compare. Lenny pulls out the rate, APR, payment, points, credits, fees, cash to close, and lock details—then flags anything that still needs confirmation. Missing information stays missing.

Step 2 of 3

Tell Lenny what matters to you

Compare overWhat matters most

Your documents stay private. No lender sees them unless you later choose to connect and approve what is shared.

What Lenny does with the document

A Loan Estimate should answer questions, not create new ones.

READ

See what Lenny found.

Review the rate, APR, payment, points, credits, lender-controlled charges, and cash to close.

COMPARE

Understand the tradeoff.

Two estimates reveal whether lower cash today is being exchanged for a higher payment.

CONFIRM

Know what to ask next.

Get practical questions about pricing, program fit, the lock, and final cash to close.