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Compare Your Loan Estimate

Upload your Loan Estimate to see how it stacks up against current rates from Opendoor Home Loans.

What to Look For in Your Loan Estimate

Your Loan Estimate is a standardized 3-page document required by federal law. Not all fees on it are created equal.

Fees That Change by Lender

Section A: Origination Charges

These are your lender's own fees — origination fee, discount points, and underwriting fee. This section is what varies from lender to lender and is the main reason to compare Loan Estimates.

Section A is the only part of your Loan Estimate that changes when you switch lenders. That's what this tool compares.

Fees That Stay the Same

  • Section B — Services You Cannot Shop For: Appraisal, credit report, flood certification. Set by third parties, roughly the same no matter which lender you choose.
  • Section C — Services You Can Shop For: Title insurance, survey, pest inspection. You pick the provider, but costs are similar across the board.
  • Sections E–G — Taxes, Prepaids & Escrow: Recording fees, transfer taxes, prepaid interest, property taxes, homeowner's insurance. Set by your state and county — not your lender.

Why Comparing Matters

According to the Consumer Financial Protection Bureau, borrowers who get at least two quotes save an average of $1,500 or more over the life of their loan. Yet most borrowers only get one. Uploading your Loan Estimate takes 15 seconds — and could save you thousands.

Frequently Asked Questions

Is my document stored?
No. Your Loan Estimate is analyzed in memory and immediately discarded. We never save the file or any personal information like your name, address, or Social Security number. We retain only the financial values — rates, fees, and loan terms — to understand the market.
What file types can I upload?
You can upload a PDF of your Loan Estimate or take a photo of it (JPEG, PNG, WebP, or HEIC). The document should be a standard 3-page Loan Estimate as required by federal law — not a pre-qualification letter or rate quote.
What's the difference between interest rate and APR?
Your interest rate is the annual cost of borrowing money, expressed as a percentage. Your APR (Annual Percentage Rate) includes the interest rate plus lender fees spread over the loan term. APR is always equal to or higher than your rate. When comparing lenders, APR is more useful because it accounts for fees — a lender with a lower rate but high fees may have a higher APR than a lender with a slightly higher rate and no fees.
What are lender fees?
Lender fees appear in Section A of your Loan Estimate under "Origination Charges." They include the origination fee, discount points, and underwriting fee. These are the fees your lender controls and the ones that vary most from lender to lender. The other fees on your Loan Estimate — appraisal, title, taxes, insurance — are set by third parties and stay roughly the same regardless of which lender you choose.
Can I compare multiple Loan Estimates?
Yes. After viewing your comparison results, click "Start Over" to upload another Loan Estimate. You can compare as many as you like.
Do you sell my information?
No. We don't extract your name, address, Social Security number, or any personally identifiable information. The only data we use are the loan terms, interest rate, and fee amounts — and those are never tied to your identity.

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