Loan Estimate Analyzer
Paste LE fees, see educational bands + 2025 HMDA market context. No lead form required.
Open toolTransparent tools · Trusted guidance · Confident decisions
Mortgage & home-finance calculators
Part of Ask Trust Hub — independent research for moving, insurance, and home financing.
Educational calculators plus flagship Loan Estimate tools — understand fees, compare offers side by side, and match research to NMLS-oriented directory signals. Zero paid placements.
No phone number required
Current national 30-year average: 6.69% · as of 2026-08-06Source: Freddie Mac via FRED (St. Louis Fed). Research benchmark only — not a personalized quote.
Free · No sign-up · Educational tools · NMLS-verified lender matching
Flagship research tools
Already have a Loan Estimate?
No phone number · No lead form
All educational calculators
Compare Loan Estimates
Side-by-side 2–3 LEs: rate, fees, points, credits, net cost. Mobile-friendly tabs — no lead form.
Open toolMortgage Payment (PITI)
Full PITI with taxes, PMI, charts, amortization & extra payments.
Home Affordability
Max home price from income, debts, and DTI guidelines.
Refinance Savings
Breakeven months and lifetime interest comparison.
Payoff Planner
Extra payments, lump sums, and interest saved.
Loan Comparison
Compare 2–3 scenarios side by side.
Rent vs. Buy
Net worth projection and break-even year.
HELOC / Equity
Borrowing power and payment scenarios.
Down Payment Planner
Savings timeline with growth projections.
Rental Cash Flow
Cap rate, cash-on-cash, and 5-year projection.
DTI Analyzer
Front/back-end ratios with lender-ready guidance.
Closing Costs
Estimate fees before you shop lenders.
Lender directory
Search vetted mortgage lenders and brokers by state/county.
Browse lenders250
With NMLS ID verified
267
Distinct mortgage companies
Expanding
County coverage
NMLS · CFPB · BBB · Google
Data source classes
Counts are live catalog inventory (distinct companies by NMLS). Not a complete national census. See methodology.
How calculators connect to verified lenders
01
Calculate your numbers
Use sliders and presets (including Florida first-time buyer examples) to model payments, affordability, refinance savings, and more.
02
Match your profile
Every tool ends with Match Me to Lenders — we pass your estimated loan amount, rate, and loan type to filter NMLS-verified brokers and lenders.
03
Compare by county
Enter your ZIP on any page to see county-level Trust and Experience scores. Cross-check FDIC banks for deposit safety.
Calculator FAQ
Are these calculators free?
Yes — all tools are free, require no account, and update in real time as you adjust inputs.
How accurate are the estimates?
These tools provide estimates for educational purposes only. Actual rates, fees, terms, and approvals vary by lender, credit profile, property, and market conditions. Always consult a licensed mortgage professional.
What does Match Me to Lenders do?
It filters our independent, NMLS-verified directory using your calculated loan profile — loan type, estimated amount, and credit tier. We never accept paid placements.
Explore county lenders: Florida · Texas · California · FDIC Banks