Home Mortgage Buy vs Rent Loan Analyzer Loan Comparator Bank Simulator Licensed Pro
Educational purposes only — not financial advice. Results are estimates based on standard lending formulas.
Side-by-Side Analysis

Compare Up to 3 Loan Offers

Loan Offer Comparator

Banks don't want you comparing their offers carefully. Enter up to 3 loan offers and see exactly which one costs less — in total, not just monthly payments.

✓ True total cost comparison ✓ Real APR calculation ✓ Hidden fee detection ✓ No sign-up needed
Offer 1
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Offer 2
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Offer 3 (optional)
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📊 Offer Overview
🔍 Side-by-Side Breakdown
📈 Visual Comparison
Total Cost Comparison
Monthly Payment
✅ Before You Sign — Banker's Checklist
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Now make sure you'll actually get approved — and that the terms are truly fair.
🏦 Check Approval Odds → 🔍 Deep-Analyze Best Offer
⚠️ Educational Purposes Only — Not Financial Advice. This tool provides estimates based on standard amortization formulas. Always read the full loan agreement before signing.
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The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.