Free Tool · No Login Required

See Every Loan Estimate
for What It Really Is

Upload two Loan Estimate documents (PDF or Word). Our AI breaks them apart, labels every fee, and builds a true apples-to-apples comparison — so you know exactly who’s competing on price and who’s just hiding costs.

Third-party fees (same everywhere)
Lender-controlled fees
Rate & term differences
Red flags flagged

Upload Your Estimates

PDF or Word (.docx) · 2–3 lenders

Documents are analyzed privately and never stored. Provided for informational purposes — not financial advice.

Want one more quote? No Credit Check. No Cost. No Obligation.
Local Lender — Free Estimate
Jesse Kenner
NMLS #44182
Mortgage Equity Partners
225 Dyer St, Providence, RI 02903
(401) 231-1500
No credit check · No obligation
How It Works

Three steps to a clear picture

01

Upload your estimates

Drop in the Loan Estimate (LE) documents you’ve received — the standardized 3-page form lenders are required by law to provide within 3 business days.

02

AI reads and classifies

Our AI extracts every line item and sorts fees into three buckets: universal third-party fees, lender-controlled fees, and loan-term variables.

03

You get the real picture

A side-by-side table shows where lenders truly differ — and where they’re just quoting the same fees. Know exactly what you’re comparing before you decide.

Not every fee is negotiable — and that’s by design

Third-Party / Independent

Same regardless of lender

  • Title insurance (owner’s & lender’s)
  • Settlement / closing agent fee
  • Recording fees (county)
  • Transfer taxes
  • Homeowner’s insurance premium
  • Property tax escrow prepaids
  • HOA dues (if applicable)
  • Flood determination fee
Lender-Controlled & Comparable

Where lenders compete (or hide)

  • Origination / underwriting fee
  • Discount points (rate buydown)
  • Application fee
  • Rate lock fee
  • Courier / wire fee
  • Credit report fee
  • Mortgage insurance premium (PMI)
  • Interest rate & APR
  • Loan term & amortization

Your Comparison Report

Analysis complete