12 CFR 1026.19(e)
Every mortgage lender owes you a Loan Estimate. Compare a few before you commit.
A federal rule requires every lender to give you a standardized Loan Estimate within 3 business days of your application, on the same three-page form no matter who you ask. Until you say you intend to proceed, the lender cannot charge you anything beyond a reasonable credit-report fee, and the origination charges on the form are binding on that lender. That combination exists so you can collect several offers and set them side by side. This site explains the rule in plain English, with citations, and publishes what borrowers actually paid, county by county, from public federal data.
What did people pay near you?
Median rates and closing costs from federal HMDA data, 2024 and 2025 where loaded. Counties with fewer than 5 qualifying loans have no page.
Before you commit
The Loan Estimate
Three pages, standardized by regulation, due within 3 business days of your application. The lender's own origination charges on it cannot go up at closing, and no lender may charge you more than a reasonable credit-report fee to produce one. It is the shopping document the rule intends you to collect from more than one lender.
Read the whole rule, plainlyBefore you sign
The Closing Disclosure
You must receive the final numbers at least 3 business days before closing, on a form built to line up with your Loan Estimate. Certain charges may not increase at all, others by no more than 10 percent in total, and when they do, the rule entitles you to a refund of the difference.
What to check, line by linePublic data
What people actually paid
Median interest rates and closing costs by county and by lender, computed from the federal HMDA records every mortgage lender must file. Not quotes, not ads: what closed loans looked like where you live.
Browse rates and costs by countyInteractive
Check your Loan Estimate
Enter the quoted rate and origination charges from your Loan Estimate and see where they sit against your county's medians and the largest local lenders. Nothing you type is stored or sent anywhere.
Open the checkerWhy shopping matters, stated plainly
Rates and origination charges for the same borrower routinely differ from lender to lender on the same day; the lender tables on the county pages here show those gaps in the public record. The Loan Estimate was designed by regulation to make the comparison standardized and nearly free. Most borrowers still get only one. The pages on this site exist to make getting two or three feel as routine as the rule intends.