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.
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 product-state volume and mix — not fee percentiles.
Origination charges vs educational range
Within a common educational rangeYour 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 rangeNet 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.
Federal data on this lender (Wyoming, 2025 HMDA)
Activity context only — not a historical fee range for your Loan Estimate. Primary state is the product slice with the most originations among active HMDA states.
- Wyoming originations
- 252
- Major counties with activity
- 9
- Loan-type mix (originations)
- Conv 99.21% · FHA 0.79% · VA 0%
Top counties: Natrona (96); Laramie (82); Sweetwater (28); Uinta (14)
Open lender profile & HMDA evidence panelLaramie County market (2025 HMDA)
County aggregates for applications and originations — not median origination fees.
- Applications
- 5,398
- Originations
- 3,333
- Denial rate
- 13.7%
Origination mix: Conv 62.68% · FHA 15.27% · VA 22.02% · Purchase/refi split 61% / 40%
County market intelligence pageLimitations & 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.”
- • We have 2025 HMDA volume and mix for this lender, but not loan-level HMDA fee percentiles yet. “Lender history” is market activity, not a fee range.
- • 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.
- Lender Wyoming activity: 2025 HMDA via CFPB/FFIEC — originations and loan-type mix, not fee distributions.
- 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 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.
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