Flagship research tool · Free · No lead form

Loan Estimate Analyzer

Received a Loan Estimate and unsure if the fees look reasonable? Enter the key numbers from the form. We show transparent educational fee bands, points vs rate context, and — when you select a matched lender or major product-state county — real 2025 HMDA market activity.

Every comparison cites its source (educational bands vs 2025 HMDA volume/mix).
We do not invent fee percentiles from data we do not have.
Not underwriting or advice — research framing only.

Enter Loan Estimate figures

Use Section A origination charges, discount points, and lender credits from your LE. No account or phone number required.

Loan amount ($)

Interest rate (%)

APR (%) — optional

Origination charges ($)

Discount points paid ($)

Lender credits ($)

Total closing costs ($) — optional

Loan type

Lender (HMDA-matched, optional)

Selecting a matched lender adds 2025 multi-state federal activity context — not a fee percentile.

County market context (optional)

Major product-state counties (FL, TX, GA, CA, NC, SC, NJ) with 2025 HMDA market summaries.

Carries these figures into Estimate A on the compare tool

Educational research · Not financial advice

Results appear here

Enter figures from your LE and choose Analyze. Load an example anytime to explore the layout. No phone number required.

When you have more than one offer, use Compare offers side by side to carry these figures into Estimate A on the compare tool.

Common questions

Is this financial advice?: No. The Loan Estimate Analyzer is educational research only. It does not approve loans, set rates, or recommend a specific lender.
Do you use real HMDA fee percentiles?: Not yet. Our cleaned 2025 HMDA tables summarize applications, originations, denials, and product mix — not loan-level origination charge distributions. Fee placement uses published educational bands. When a matched lender or major product-state county is selected, we show real HMDA volume and mix context separately.
Do I need to create an account?: No. Results are available immediately with no phone number or lead form required.
What is the national mortgage rate shown next to my interest rate?: It is the Freddie Mac Primary Mortgage Market Survey average (30-year fixed), distributed via FRED. It is a research benchmark for context only — not a rate you are offered and not advice to accept or reject a Loan Estimate.