How LoanInspection writes and reviews its guides

LoanInspection Editorial writes the guides on this site. Each guide explains what the public sources support, identifies the sources behind its numbers, and shows the date it was last reviewed.

The sources we use

We use HMDA public loan data; the Optimal Blue Mortgage Market Indices (OBMMI), via FRED; the CFPB Loan Estimate form (H-24); and the Fannie Mae and Freddie Mac loan-level price adjustment grids. Our methodology explains how these sources are used, and our fee data page publishes the lender-fee dataset.

What we grade

AI explains every fee and grades your lender fees (Section A, Origination Charges, on page 2) as one total, and your rate separately. The HMDA record reports the Section A total, so we never grade a single fee against that record. Guides distinguish a total benchmark from an explanation of an individual charge. They provide education, not financial or legal advice.

Independence, corrections and review

We never coach a negotiation, sell data or leads, or take money from lenders. No lender pays us anything at loaninspection.com. You pay for your report. Human editorial review concerns the guides, and never changes an AI report grade.

For a correction to a guide, email support@loaninspection.com with the page, the passage and the source you want us to check. LoanInspection Editorial checks the cited source, corrects supported errors and updates the guide's last-reviewed date. Each guide shows when it was last reviewed. We review guides when a relevant source changes or a correction is received.

Contact

Questions or problems: support@loaninspection.com. If something in your report is wrong or unclear, contact support and we will review it and reply. If the AI can't read your pages, or your report doesn't arrive, we'll refund your $29.