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JustFindMyLender.com is not affiliated with, associated with, authorized by, endorsed by, or in any way officially connected with the Consumer Financial Protection Bureau or any other government agency

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Click "YES" to skip ahead to an analysis of the estimated costs (over the life of the loan) for the 5 lowest estimated APRs and the 3 highest.

Click "NO" to manually select lenders for comparison.


Selecting the right mortgage lender can save you tens of thousands of dollars.

The average 30 year, Prime APR this week (APOR) will be waiting....


Knowing the average rate can keep you from paying too much, but what's more important is understanding that each lender has different tendencies. Some lender's rates tend to be above average, others below average. If you want to save, shopping is the key, but it's hard to know where to start. Advive is everywhere. Mortgage brokers, mortgage shopping sites, banks, lenders, Realtors, and friends/family all offer seemingly useful advice. Unfortunately, most professional advice is self-serving. They advise you to borrower from them, or from someone who pays them for referrals, or, in the case of Realtors, from someone they know will close the deal quickly at a reasonable rate. None of them has an reason to make sure you find the lowest rate possible. Friends and family may have good intentions, but because of the number of lenders available, their knowledge is incomplete. What they don't know can cost you money. To shop wisely, borrowers need to be in the know.

  • Which mortgage lenders are active in an area?
  • Which lenders' in an area offer rates that are usually below average?
  • How do differences in mortgage rates and fees impact a consumer's bottom line, and ultimately, their long-term wealth?

Data from the Consumer Financial Protection Bureau (CFPB) is key. Their Home Mortgage Disclosure Act (HMDA) data is "the most comprehensive source of publicly available information on the U.S. mortgage market". But digesting the HMDA data isn't easy. JustFindMyLender.com democratizes the HMDA data by providing simplified access to the trove of pricing (i.e., APR) and approval rate information available in the HMDA data. By democratizing the HMDA data, we're advancing transparency in the mortgage lending industry.

Please read before proceeding...

  1. JustFindMyLender.com is not affiliated with, associated with, authorized by, endorsed by, or in any way officially connected with the Consumer Financial Protection Bureau or any other government agency.

  2. JustFindMyLender.com was created by ComplianceTech, a multidisciplinary team of seasoned professionals operating at the intersection of lending, fair lending, and information technology. For over three decades we've been at the front-line of fair lending and financial inclusion; working with lenders, federal agencies, state and federal regulators, community groups, and other stakeholders. JustFindMyLender.com continues this tradition. We're convinced that minimizing the information gap between the information rich and the information poor can contribute to erasing information-driven inequality in mortgage lending, home ownership, and generational wealth.

  3. JustFindMyLender.com uses the HMDA data to create; 1) a list of lenders in active an area, 2) a "ballpark" prediction for each lender's prices based on its Pricing Tendency, and 3) an estimate of the long-term savings between lenders. Our goal is to ensure that every borrower has an opportunity to maximize wealth built through home ownership.

  4. The information that we're presenting here is based on lenders' historical pricing tendencies (e.g. rates and fees relative to the market) and approval tendencies. Consumers should keep in mind that historical tendencies provide only a ballpark prediction of what an individual consumer can expect, but they are useful for comparing lenders' general behavior.

  5. All information and analysis provided here is based on data reported to the U.S. Government by the lenders themselves, and made publicly available by the Consumer Financial Protection Bureau, pursuant to the Home Mortgage Disclosure Act, as the CFPB's Snapshot National Loan-Level Dataset. 5

  6. Our analysis is based on the 3 most recent years of publicly available HMDA data and is only as accurate as the underlying HMDA data itself. Despite regulatory requirements mandating data accuracy, and the CFPB's efforts, HMDA data can be inaccurate. Lenders' resubmissions (to correct errors and omissions) subsequent to the release of the Snapshot National Loan-Level Dataset are not included in this analysis. In addition, this analysis includes only lenders who reported HMDA data in each of the last 3 years for which public data are available, and only those with at least 30 loans in the area during that period.