Free AI analysis
Is your mortgage offer a good deal? Ask AI.
Works with texts, emails, fee sheets, Loan Estimates and Closing Disclosures.
Works with
Reads any offer
Where people are checking offers
Each dot is a city. Bigger means more offers checked. Tap a dot. Texas is highlighted: loan expert reviews are live there.
Sample data for now. Real checks show up here, by city only. We never show names or addresses.
// the market, live-ish
What everyone else is getting quoted
Quotes graded C or worse
54%
Quotes paying 1.5+ points
21%
Per above-market borrower / yr
$2,794
30-yr fixed, all tiers
6.77%
Latest offers
WORST QUOTES THIS WEEK- F+$583/mo
Portland, OR · $770,000
7.625% · 1.5 pts · $6,215 fees
- F+$572/mo
Philadelphia, PA · $685,000
7.500% · 1.25 pts · $4,955 fees
- F+$565/mo
Houston, TX · $670,000
7.750% · 1.5 pts · $8,870 fees
Early preview: figures are seeded sample quotes while we collect real anonymous quotes.
Why people trust RateGrader.ai
A free, honest second look at your offer, built for Texas home buyers.
No credit check
We never pull your credit. Nothing you paste touches your score.
Your info stays private
Names, addresses and loan numbers are ignored. We only read the numbers.
Reviewed by a licensed pro
Our grading is checked by a Texas-licensed loan officer. [NMLS # placeholder]
We don't sell your info
If you ask for help, one real person reaches out. No call centers.
Paste your offer
A text, email or anything with your rate.
We compare it
Against typical Texas rates and fees for your credit.
Get your grade
A to F, plus what you could save each month.
[Placeholder: real review from a Texas buyer goes here.] · How we grade →