Start from a loan officer's KnowMyLoan page
KnowMyLoan is offered through participating loan officers. Open their KnowMyLoan link, then upload the PDF your lender sent or take a photo of each page. No account to create.
Your Loan Estimate, graded by AI against real market data.
AI reads the fees against national HMDA data and the rate against daily rate lock data, and it explains every line in plain English.
Where your numbers sit
FeesWithin range
LowerPublic market rangeHigher
RateWithin range
LowerPublic market rangeHigher
Free for potential borrowers through participating loan officersNo account or contact details needed
KnowMyLoan is offered through participating loan officers. If a loan officer sent you their KnowMyLoan link, this is what's waiting for you.
Where your numbers sit
FeesWithin range
LowerPublic market rangeHigher
RateWithin range
LowerPublic market rangeHigher
Here is how it works.
AI shows where your fees and rate sit
Your lender fees are read against national HMDA data, and your rate is read against daily rate lock data.
AI explains every line
AI breaks down every closing cost in plain English and groups each one by who controls it. A loan officer can also walk you through your options.
Watch AI read a Loan Estimate against real market data.
This walkthrough shows the exact report, built from a sample Loan Estimate.
An educational walkthrough using a sample document. Not a quote, offer, or guarantee.
See your loan the way the market sees it.
When you upload your Loan Estimate on a loan officer's KnowMyLoan page, AI reads your lender fees against national HMDA data, which is what lenders reported on comparable loans. Rate is read against daily OBMMI rate-lock data, and adjusted for the exact loan scenario when available. AI also explains every line in plain English, and you can see how every number was reached.
No rate or APR is quoted, and we never sell your Loan Estimate, report, or contact details.
Here is what this tool can and can't do.
It is educational
The breakdown helps you understand your costs. It is not a loan offer or financial advice.
It is AI, with a margin for error
Treat the analysis as a starting point and confirm anything important with a licensed professional.
A licensed person does the real review
Any rate, quote, or advice comes from a licensed loan officer. This tool helps you ask better questions.
Questions, answered plainly.
Why is it free?
The tool is offered to you through a licensed loan officer who pays for the software. You get the breakdown at no cost and with no obligation.
What data do you use?
Your uploaded Loan Estimate plus publicly available market data, including public rate indices and published loan-level price adjustments. We show how the comparison is built.
Is this financial advice?
No. It is educational. It does not quote a rate or recommend a loan. A licensed loan officer handles anything beyond understanding your costs.
Who sees my information?
Only you, unless you choose to ask the loan officer whose tool you used to review it. We never sell your Loan Estimate, report, or contact details.
Can I see what the report looks like?
Yes. There is a demo with a sample Loan Estimate so you can walk through a full report before you decide anything. See the sample report.
Know a loan officer who should offer this?
KnowMyLoan is offered through participating loan officers. You can send any loan officer this link.
Loan officers and mortgage brokers: you are the second opinion.
Put KnowMyLoan on your own branded page, and AI grades the fees and the rate against real market data and explains every line. When potential borrowers want a second opinion, they ask you.