Loan Estimate Analyzer
Enter the fees from your Loan Estimate. We'll compare each one against national averages and show you what's negotiable.
Basic Loan Info
Only fill in the fees that appear on your Loan Estimate. Leave others blank.
Enter Your Loan Estimate Details
Fill in the fees from your Loan Estimate to see how they compare to national averages
Tip: You can find these fees on Page 2 of your Loan Estimate under:
- • Section A: Origination Charges
- • Section B: Services You Cannot Shop For
- • Section C: Services You Can Shop For
Understanding Your Loan Estimate
What Is a Loan Estimate?
A standardized 3-page document lenders must provide within 3 days of receiving your mortgage application. It details your loan terms, projected payments, and estimated closing costs.
Which Fees Are Negotiable?
Origination fees, application fees, and some title fees are often negotiable. Government fees and third-party services like appraisals typically aren't. Shopping around is your best leverage.
Common Junk Fees to Watch
Document prep fees, email/fax fees, rate lock fees, courier fees, and excessive administrative charges. If you see vague "miscellaneous" fees, ask for itemization.
Compare Multiple Lenders
Get Loan Estimates from at least 3 lenders within a 45-day window. Multiple credit pulls in this period count as one inquiry. Use competing offers to negotiate.