Interactive
Check your Loan Estimate
Pick your county, then copy three numbers off your Loan Estimate: the quoted rate from page 1, the section A origination-charges total from page 2, and any discount points inside section A. The tool compares them to what borrowers in your county actually received, from public federal HMDA data.
Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.
What this checker compares you against
The checker runs entirely in your browser. You pick your county and enter three numbers from your Loan Estimate: the quoted interest rate, the section A origination-charges total, and any discount points inside section A. It then places each number against the loans that actually closed in your county, and against the medians of the largest lenders active there. Nothing you type leaves your device, and nothing is stored.
The comparison data comes from one source: the FFIEC's HMDA modified Loan/Application Register, the public loan-level file nearly every mortgage lender in the country must submit each year. This site loads the 2024 and 2025 filings. The register records loans that closed, with the interest rate, total loan costs, origination charges, and discount points each borrower actually paid.
The figures are medians, computed county by county and lender by lender from originated, first-lien, owner-occupied loans on principal residences, excluding business-purpose and reverse mortgages. Purchase and refinance loans are kept separate, and any group smaller than 5 loans is dropped, matching how the FFIEC itself publishes small counts. The benchmark the checker reads first is the median rate and median total loan costs for purchase loans in your county, with the same figures for the largest local lenders behind it. The methodology page documents every filter.
Three limits are worth knowing before you read the verdict. The public file contains no credit scores, so a lender serving stronger-credit borrowers shows a lower median than one serving first-time buyers, even at identical pricing. The medians blend a year of closings, while your quote reflects a single day's market. And small counties rest on few loans, so their medians move more from year to year. Treat the result as context for negotiating, not as proof that any one quote is wrong.
The 10 largest counties by purchase loans, 2025
A sample of the benchmarks the checker draws on. Every county with data has its own page with the full lender table.
| County | Purchase loans | Median rate | Median total loan costs |
|---|---|---|---|
| Maricopa County, AZ | 46,982 | 6.25% | $8,540 |
| Cook County, IL | 37,472 | 6.625% | $6,859 |
| Harris County, TX | 37,017 | 6.25% | $8,535 |
| Los Angeles County, CA | 33,968 | 6.5% | $11,253 |
| Clark County, NV | 22,949 | 6.25% | $8,434 |
| Bexar County, TX | 21,898 | 5.875% | $8,276 |
| Riverside County, CA | 19,822 | 6.374% | $11,699 |
| Tarrant County, TX | 19,337 | 6.375% | $8,544 |
| King County, WA | 18,534 | 6.375% | $6,686 |
| San Diego County, CA | 18,020 | 6.375% | $9,739 |
Everything you type stays in your browser. Nothing is stored, sent to a lender, or used to contact you; the tool only reads public county aggregates.
The comparison figures are medians of closed loans, not quotes, and public HMDA data contains no credit scores, so your own profile and loan size will move the numbers. See the methodology for the exact filters.