About this site
Loan Insight.Ai was built to solve one narrow, expensive problem: borrowers are handed two or three Loan Estimates and no honest way to tell which one costs less.
Lenders compete on the number that is easiest to advertise. Points, lender credits, origination fees, third-party costs and term differences all sit behind that number, and each one can swing the true cost by thousands of dollars over the years you hold the loan.
Key the figures from your estimates in by hand. Every offer is scored on the same basis, ranked, and explained — so the comparison is about cost, not about who wrote the prettiest quote.
What this site is here to do
Read the estimate properly
Page 2 of a Loan Estimate is where the money hides. Origination charges, points, prepaid interest and escrow all move the real cost far more than the headline rate does.
Show the all-in number
Monthly payment, upfront cost, APR and break-even are calculated for every offer so a low rate bought with heavy points cannot quietly win.
Weight it to your life
Staying two years and staying twenty are different problems. Move the weights and the ranking changes to match how long you actually plan to hold the loan.
Stay independent
This site does not issue loans and does not sell your file. It exists so you walk into a lender conversation already knowing what a good offer looks like.
Ready to run the numbers? Head to compare offers or read the FAQ.