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.

What you're compared against

The benchmark underneath this site is built on the public mortgage record — the originations lenders report under HMDA, well over a hundred thousand of them — plus every rate people have shared here. Your loan is placed against the ones that match it on place, purpose, loan type, term and the points paid, and a cohort publishes nothing at all until at least 5loans stand behind it. That floor is why some places show a rate and others show “not enough data” instead of a number nobody should trust.

A quote and a closed loan are not the same thing

If you're holding a Loan Estimate, you have a quote — and no public dataset will tell you what quotes look like. HMDA reports originations: what people signed, filed months after the fact. So the comparison this page can make and the public record structurally cannot is your quote against what loans like yours actually closed at. The form asks which one you have, because it is the one thing about a loan we can never work out later from the loan itself. Quotes are counted and shown separately and never enter a published median: quotes skew high, and pooling them would flatter every later submitter into thinking they beat the market.

What we store, and what we don't

Your loan is stored in bands, not numbers: a credit-score range rather than a score, a down-payment range rather than an amount, a points bracket rather than an exact buydown, a state rather than an address. The form has no field for your name, and the write path refuses any column that isn't on a fixed allow-list, so a value nobody vetted cannot arrive by accident.
Your rate and your closing costs are stored as you type them. A rate is a fact about a loan, not about you, and it is the whole point of the exercise.
Email is optional, and today it is not even used. Your claim link — the way to edit or delete your entry later — is shown on screen the moment you submit, whether or not you leave an address. An address is held only so we could send you that same link if we ever add email delivery; it is never published, never used to sell you anything, and it is deleted after 7 days.
That claim link works for 30 days, and it is the only copy — we store a hash, not the link, so it cannot be reissued. When it expires, the link between your entry and your submission is cut for good: the de-identified loan stays in the benchmark, and nothing points back to the person who sent it — including us.
No lender pays to appear here, nothing on this site is a lead form, and we make no claim about what you could have saved.

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

Fixed-rate intro period

How long your rate is fixed before it can adjust — the “X” in 5/1, 7/1, 10/1.

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. *

Bot check is disabled in this environment (no Turnstile site key configured).

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.