Compare the whole offer
Keep rate, APR, monthly principal and interest, points, credits, and lender-controlled cost attached to the same loan details.
Compare mortgage offers in 21 states.
Choose where you are buying or refinancing, review an illustrative rate-and-cost matrix, then build one set of loan details for participating licensed mortgage professionals to price. No name, email, phone number, or credit check is required to begin.
Your mortgage options
Compare the whole mortgage, not just the rate.
These examples show how to compare rate, payment and upfront costs. Enter your loan details to check for available live quotes; results may not be available for every loan.
Illustrative comparisonNot live pricing, a quote, or an offer to lend.
Example loan details$500,000 purchase$400,000 loan30-year fixed760+ creditFive-year viewColorado
| Offer strategy | Rate | APR | Monthly P&I | Upfront lender cost | 5-year cost |
|---|---|---|---|---|---|
| 6.125%30-year fixed | 6.240% | $2,430 | $3,200Points and lender fees, minus credits | $149,000 | |
| 6.375%30-year fixed | 6.375% | $2,495 | $0Points and lender fees, minus credits | $149,700 | |
| 5.875%30-year fixed | 6.080% | $2,366 | $9,800Points and lender fees, minus credits | $151,760 |
Where LenderCity can search matched pricing
Choose one of the 21 supported states below. The property ZIP and remaining loan details determine which participating professionals and offers can actually be matched. More states are coming soon.
Use your real timeline
Lenny tests whether added upfront cost can be recovered during the time you realistically expect to keep the mortgage.
Choose before you connect
Explore anonymously. A participating licensed professional receives information only after you select a path and approve what is shared.
Questions about mortgage pricing.
The examples above explain the tradeoffs. Current responses require the complete loan details and participating-professional availability.
Are the example rates above available today?
No. They are intentionally illustrative and show how points, payment, and lender-controlled cost can change the decision. Use the state selector to request current matched pricing for your loan details.
Does state availability guarantee a lender or loan program?
No. Availability varies by property ZIP, loan purpose, amount, credit profile, loan-to-value ratio, occupancy, property type, program, lock period, and the participating professionals available for the loan details.
Is a wholesale rate available directly to a consumer?
Consumers generally access eligible wholesale mortgage pricing through participating licensed mortgage professionals. Lenny compares matched offers and explains the tradeoffs; a licensed professional confirms eligibility, pricing, fees, approval, and any rate lock.
What happens if participating professionals are unavailable?
We tell you when pricing is unavailable. We never fill the gap with made-up rates or offers.