Tool · Loan Estimate Decoder
Every fee on your Loan Estimate, in plain language
The Loan Estimate is a standardized federal form. We break down each charge by section, mark which ones you are allowed to shop for, and offer neutral questions you can ask — never a directive to act.
As of Jul 5, 2026Methodology fee-classes-v2
The lender’s charge for processing and underwriting your loan. Appears in Section A.
Typical: 0.5%–1% of loan
Ask: “Which charges in Section A are fixed, and which move if I compare another Loan Estimate?”
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