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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 Florida 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 Florida federal activity context — not a fee percentile.

Florida county (optional)

Major Florida counties with 2025 HMDA market summaries.

Carries these figures into Estimate A on the compare tool

Educational research · Not financial advice

Your Loan Estimate snapshot

Fee bands are educational. Rate context uses national Freddie Mac averages via FRED when available. HMDA (when selected) is Florida volume and mix — not fee percentiles.

My Lending workspace

Origination charges

$3,500

1.00% of loan · 100 bps

Net lender cost

$3,500

1.00% of loan (orig + points − credits)

Discount points

0.00% of loan

Est. P&I (30-yr)

$2,212

Principal & interest only — not full PITI

Origination charges vs educational range

Within a common educational range

Your origination charges are 1.00% of the loan amount. Educational bands: under 0.5% (lower), 0.5–1.5% (typical), above 1.5% (higher). Actual market norms vary by loan type, credit, property, and channel (retail vs wholesale).

Lender Trust Hub educational bands for first-lien residential mortgages (illustrative). Not HMDA fee microdata. Not underwriting guidance.

Net lender cost vs educational range

Within a common educational range

Net lender cost (origination + discount points − lender credits) is 1.00% of the loan. Educational bands: under 0.75% (lower), 0.75–2% (typical), above 2% (higher). Credits can offset charges; always read the full Loan Estimate.

Lender Trust Hub educational bands for first-lien residential mortgages (illustrative). Not HMDA fee microdata. Not underwriting guidance.

Origination charges on a 0–3% scale

Marker = your origination % of loan. Colors are educational bands, not HMDA percentiles.

Market rate context

National 30-year fixed average

6.69%

as of 2026-08-06

15-year national average: 6.01% (as of 2026-08-06)

Your rate is 0.19 percentage points below the national 30-year fixed average of 6.69% (as of 2026-08-06). That is a favorable comparison to the national average — not a guarantee of a better deal for your situation.

Source: Freddie Mac via FRED (St. Louis Fed). National average contract rates published weekly by Freddie Mac and distributed via FRED. This is a market benchmark, not a quote for your loan, credit profile, or property. We show the public record. You decide.

APR is about 0.250 percentage points above the interest rate — a relatively narrow spread on these inputs (still not a quality score).

Discount points vs interest rate (plain English)

One discount point usually costs about 1% of the loan amount and may lower the interest rate (exact trade-off is lender-specific).
On your inputs, discount points are 0.00% of the loan ($0).
Paying points can make sense if you keep the loan long enough to recover the upfront cost — only if the rate reduction is documented on the Loan Estimate.
Lender credits often raise the rate slightly in exchange for reducing cash due at closing — the reverse of points.

No lender HMDA context selected

Choose a HMDA-matched lender above to attach 2025 Florida federal activity. Many national originators are already linked in our directory.

Hillsborough County market (2025 HMDA)

County aggregates for applications and originations — not median origination fees.

Applications: 56,817
Originations: 30,453
Denial rate: 20.1%

Origination mix: Conv 71.59% · FHA 17.84% · VA 10.49% · Purchase/refi split 61% / 39%

County market intelligence page

Limitations & disclaimers

• This tool is educational research only — not underwriting, not a rate quote, and not financial advice.
• HMDA does not tell you whether your specific Loan Estimate fees are “approved” or “correct.”
• No matched Florida 2025 HMDA evidence for the selected lender (or none selected). Fee placement uses educational bands only.
• Always re-read your official Loan Estimate and Closing Disclosure. Re-verify company identity on NMLS Consumer Access.

Sources

Educational fee bands: Published thresholds in Lender Trust Hub for origination % and net lender cost %. Not government fee caps; not HMDA fee microdata.
County market activity: 2025 HMDA — applications, originations, denial rate, product mix.
HMDA Data Browser: ffiec.cfpb.gov/data-browser

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 Florida 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.