Share your mortgage rate

Add your rate and we'll show you how it sits against loans like yours — matched on the points you paid, so you're compared with people who made the same rate-versus-fees trade. Anonymous, no account, under a minute. Your loan joins the benchmark everyone else is asking the same question about.

Your loan

Is this a rate you were quoted, or one you closed on?

A quote and a closed loan are different numbers, so they’re counted separately — quotes are shown alongside the benchmark, never mixed into it.

State

What was the loan for?

Loan type

Term

Pricing

Your interest rate (%)

The note rate on your loan, e.g. 6.875 — not the APR.

Discount points you paid (optional)

The most useful optional field: telling us your points is what lets us compare you against loans that bought down their rate the same amount, instead of estimating.

When did you lock your rate? (optional)

The month, not the day. Rates move, so this is how your rate is put on the same footing as everyone else’s.

Total closing costs ($) (optional)

Roughly, in dollars. Shown next to the rate so points and fees are weighed together.

About the loan

Each one you answer narrows the group you’re compared against — these are the dimensions a published page can’t cut on, so they’re what makes your comparison yours. All ranges: we never store your exact score, ratio, or amount. Credit-score range is the one we ask everyone, because it’s the only thing here public data can’t tell us — “prefer not to say” is a real answer to it. Skip any of the rest you don’t remember.

Credit-score range

Down payment (optional)

Debt-to-income (DTI) (optional)

Loan amount (optional)

Occupancy (optional)

First-time buyer? (optional)

Lender

Who was your lender? (optional)

Stay in control (optional)

Email for a claim link (optional)

We’ll email a private link so you can edit or delete your entry later. No account, no marketing.

I agree that my de-identified loan details can be used to build anonymous rate benchmarks, per realrate.fyi’s privacy notice. *

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Comparison data only — never an offer, quote, or savings estimate. Fields marked * are required.

Have the paperwork handy? Upload your Loan Estimate or Closing Disclosure instead — a document-backed rate counts for more, and the file is encrypted, never published, and deleted after we read it.