Workspace / Post your loan
Private scenario PRIVATE
PRIVATE MORTGAGE EXCHANGE

Invite brokers to compete for your mortgage.
You choose when to connect.

Post one private scenario. Compare complete, broker-confirmed responses as they arrive.

No name, phone number, or credit pull to build a private scenario.
Scenario details · 1 of 3
Lenny AI
LENNY · YOUR MORTGAGE COPILOT

Use estimates to get started. Your name, phone number and credit report are not needed here.

No contact details required

Posting a scenario is not a mortgage application, approval, offer, or rate lock.

ILLUSTRATIVE OFFER BOARD

See the whole offer. Not just the rate.

Same $360,000 sample loan · 30-year fixed · 30-day requested lock

EXCHANGE SIMULATIONFour illustrative brokers are competing on the same loan scenario.Lenny re-ranks the complete offers as broker pricing changes.
Illustrative mortgage offers used to demonstrate the exchange hierarchy.
Illustrative lenderRate / APRMonthly P&IPoints / creditsReview
SHSummit Home LendingLowest five-year cost in this sample6.225%6.336% APR*$2,211principal & interest$800 credit$295 net lender cost
FRFront Range LendingIllustrative response6.250%6.357% APR*$2,217principal & interest$650 credit$545 net lender cost
PHPrairie Home MortgageIllustrative response6.125%6.284% APR*$2,187principal & interest0.625 points$3,675 net lender cost
LMLakeside MortgageIllustrative response6.375%6.448% APR*$2,246principal & interest$1,400 credit-$405 net lender cost

Illustrative simulation only. Values change to demonstrate bidding and ranking behavior; these are not available mortgage offers, live rates, or rate locks.

Clarity comes standard.

¹ Five-year cost = interest paid over 60 months + discount points + lender fees − lender credits. It excludes principal, taxes, insurance, mortgage insurance, third-party charges and the time value of money. Negative net lender costs represent a potential credit, subject to allowable closing costs. Monthly P&I includes principal and interest only. *APRs are illustrative, not calculated disclosures; sample broker bids use broker-entered illustrative APRs. These are not available mortgage offers.

The Exchange is a private pilot with state availability and independent-broker verification requirements. LenderCity operates the marketplace and does not originate, underwrite, approve or lock loans. Lenny’s comparisons support your decision; they do not approve a loan or guarantee savings.