Compare the whole offer
Keep rate, APR, monthly principal and interest, points, credits, and lender-controlled cost attached to the same scenario.
Matched mortgage pricing across 21 states.
Choose where you are buying or refinancing, review an illustrative rate-and-cost matrix, then move into live pricing for your exact scenario. No name, email, phone number, or credit check is required to begin.
See the whole tradeoff immediately
A rate table that explains what the numbers mean.
Select an example offer and Lenny will focus on that decision—without repeating commentary under every row.
Illustrative comparisonNot live pricing, a quote, or an offer to lend.
Example scenario$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
State availability opens the search. The property ZIP and remaining scenario details determine which participating professionals and offers can actually be matched.
- CACalifornia
- COColorado
- CTConnecticut
- FLFlorida
- GAGeorgia
- IDIdaho
- INIndiana
- KSKansas
- MNMinnesota
- MOMissouri
- MTMontana
- NCNorth Carolina
- NDNorth Dakota
- NENebraska
- OKOklahoma
- OROregon
- TXTexas
- VAVirginia
- VTVermont
- WAWashington
- WVWest Virginia
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.
Pricing questions, without cluttering the workspace.
The examples above explain the tradeoffs. Live results require the complete scenario and current 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 scenario.
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 scenario.
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 live pricing cannot be refreshed?
LenderCity shows an unavailable state instead of replacing missing live pricing with an estimate or an outdated rate.