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, explained and graded by AI.
See where the fees and the rate on your Loan Estimate sit against real market data. AI explains every line in plain English.
Every line explainedFees | public market range
Public market rangeRate | public market range
Public market rangeFree for 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.
Every line explainedFees | public market range
Public market rangeRate | public market range
Public market rangeHere is how it works.
AI reviews and explains it
AI breaks down every closing cost in plain English and groups each one by who controls it.
See how your costs and rate compare
We show where your costs and rate sit against public market data. You can also ask a licensed broker to review it with you.
See a Loan Estimate get explained.
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 every line of the PDF or photo. Your lender fees are compared with national HMDA data, which is what lenders reported on comparable loans. Your rate is read against OBMMI daily rate lock data and adjusted for your scenario. 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 this AI on your own branded page. It explains every line and grades the fees and the rate against real market data. When potential borrowers want a second opinion, they ask you.