Is your loan priced in line with the market?
Upload the Loan Estimate your lender sent you. AI explains every fee in plain English, then shows where your lender-fee total and your rate sit next to loans like yours.
Upload your Loan Estimate, confirm a few loan details, and see what your report covers. You pay $29 at checkout.
Lender fees, Section A total
$6,180
Above range
$405 above the typical range. The total includes $956 in points.
Your rateSample loan
7.125%
Within range
Every fee on the form is explained too.See a sample report
Three steps, and you see what you get before you pay
- 1
Upload your Loan Estimate
A PDF, or a photo of each page. It's the three-page form your lender sent after you applied.
- 2
Confirm a few loan details
Things like your credit range and down payment, so your rate is compared with loans priced like yours.
- 3
See what your report covers
You decide then. If you open it, every fee is explained in plain English, and your Section A total and your rate are graded.
Fees are graded against 3,787,575 real loans, and rates against the daily index of what lenders actually locked.
How the grading worksNobody pays us but you, and we never sell data or leads.
- No loan officer will call you. We never ask for your phone number.
- There's no account to make. We ask for an email only to send your report.
- AI reads your file, and no person sees it. It's deleted once your report is delivered.
- No lender pays us anything. There's no advertising and no referral fee.
$29
A home inspection runs a few hundred dollars. Inspecting your loan is $29.
Upload, confirm a few loan details, and see what your report covers. Then open the full report for $29.
If the AI can't read your pages, or your report doesn't arrive, email support@loaninspection.com and we'll refund your $29.
Inspect your Loan EstimateWhat borrowers ask first
More answers in our guides.
What is a Loan Estimate?
The three-page form your lender sent within three business days of your application. Every lender uses the same form by law, and it says Loan Estimate at the top left of page 1.
Read the full walkthrough, see a filled-in sample Loan Estimate, or see a blank Loan Estimate form.
What exactly gets graded?
Your lender's own charges in Section A are graded as one total, and your rate is graded against the daily index of rates lenders actually locked. Every other fee on the form is explained in plain English.
Where does the data come from?
Fees compare against HMDA, the public record of real mortgages, matched by loan type, purpose and size. Your rate compares against the Optimal Blue Mortgage Market Indices (OBMMI), via FRED, the daily index of rates lenders actually locked, priced for your credit, down payment and loan type. Your report names its sources.
What happens to my document?
AI reads it, and no person sees it. It's deleted once your report is delivered. If you don't buy, it's deleted 72 hours after upload. Your report stays open for 7 days, and the PDF is yours to keep.
What if everything is within range?
Then you know, and you can stop wondering. That answer is worth as much as a flag.