Enter your loan details
Tell us the loan purpose, property, loan amount, credit range, and the details that affect pricing. You do not need to provide your name, phone number, or Social Security number to begin.
How LenderCity works
your loan details. Competing mortgage professionals. A clearer choice.
LenderCity brings available quotes and mortgage broker offers into one place. Compare the rate, payment and fees, then decide whether to speak with a broker. Responses and timing vary.
From loan details to decision1 2 3 4
How the Exchange works.
Start with your loan details, compare the available quotes and offers, and contact a broker when you are ready.
Matched professionals compete
Mortgage brokers who serve your area can send offers based on the loan details you provide. Compare the rate, payment and fees before deciding whom to contact.
Compare the whole offer
LenderCity lines up rate, APR, principal-and-interest payment, points, fees, credits, and cost over your selected timeline. Lenny explains the tradeoffs in plain English.
Choose if and when to connect
When an offer interests you, choose that broker and decide how to connect. You choose what contact information to share.
Why competition can help
More ways to find a better fit.
Mortgage professionals can differ in the lenders they work with, the programs available to them, and how they structure points or credits. Seeing competing responses can reveal tradeoffs that one quote alone cannot.
See the differences in cost
Side-by-side responses show whether another professional can offer a lower rate, lower lender-controlled cost, a larger credit, or a different balance of the three.
Wholesale access
Participating licensed mortgage professionals may price eligible loans through wholesale lenders and other matched sources that consumers generally cannot access directly.
Savings in context
A lower payment is not automatically the least expensive choice. LenderCity translates upfront differences and monthly differences into dollars over the time you expect to keep the loan.
Competition does not guarantee savings or the lowest available price. Availability and responses vary by loan details and market. Any pricing, program fit, eligibility, fees, approval, and rate lock must be confirmed by the participating licensed mortgage professional.
What Lenny adds1 2 3 4
An explanation—not another rate table.
Lenny organizes the responses around the priorities you choose. It does not treat the lowest advertised rate as the automatic winner.
What will this cost me today?
Points and lender fees are added, then lender credits are subtracted. Down payment, taxes, insurance, and escrows stay separate.
What will leave my account each month?
Principal-and-interest payments are compared using the same loan amount and term.
When does paying more upfront become worth it?
Lenny shows the break-even when a higher upfront cost produces monthly savings, then compares it with your timeline.
What still needs confirmation?
Missing fees, credits, lock periods, and program details remain visible instead of being treated as zero.
What matters to you
Your priorities set the order.
Lenny organizes offers using your loan details, your expected timeline, and what matters most to you. Compensation to LenderCity does not improve an offer’s position.
Clear boundaries matter.
Lenny can organize, calculate, and explain the disclosed numbers. A participating licensed mortgage professional confirms eligibility, documents, final pricing, fees, approval, and any rate lock.
Keep exploringOFFER COST RATE VS. CREDIT WHOLESALE ACCESS
Understand the tradeoffs before you choose.
Why the lowest mortgage rate may not be cheapest
See how points, fees, payment, and time can reverse the apparent winner.
Read the answer →Lower rate or lender credit?
Compare cash today with monthly savings and calculate the break-even.
Read the answer →How do consumers access wholesale pricing?
See why participating licensed professionals are part of the access path.
Read the guide →