RateLockr

RateLockr is a web + mobile AI-assisted mortgage “rate sanity check” for borrowers already in the loan process. Users upload a Loan Estimate (PDF) and answer a few questions (credit band, occupancy, down payment, property type, lock period). The app extracts fees and pricing, normalizes them, and compares the offer against current market pricing ranges and common fee benchmarks for the user’s scenario. It flags red items (junk fees, inflated points, suspicious lender credits, unusually high APR vs rate) and generates a plain-English negotiation script plus a one-page “competing quote request” email you can send to other lenders. It won’t magically find you the absolute best rate—data is messy and lenders vary—but it will prevent most people from overpaying due to confusion, time pressure, and opaque fee games. Monetization: $29-$79 per analysis, optional $9/mo monitoring until closing.