Lendspedia is a free loan comparison marketplace operated by Solcertain LLC. We help everyday borrowers get the advantage that only informed rate-shoppers used to have.
Lendspedia is a free online loan comparison marketplace, operated by Solcertain LLC in the United States. We are not a mortgage lender, broker, or creditor — we match borrowers with licensed, NMLS-verified lenders who compete for their business. Matching uses a soft credit pull only (no score impact), and using Lendspedia is always free for borrowers. We are paid a referral fee by lenders, and our algorithm ranks lenders by fit for you, not by who pays us the most.
Nearly 8 in 10 borrowers accept the first rate they're offered — leaving an average of $3,000+ on the table over the life of a loan (Freddie Mac, 2023). We built Lendspedia to fix that. Answer a few questions once, and we put licensed lenders in competition for your loan, so the best rate finds you instead of the other way around.
Average Savings
What borrowers save over a loan's life by comparing at least three lenders instead of taking the first offer.
Borrowers pay us nothing. Here's exactly how the model works — and why it stays unbiased.
You never pay a fee to use Lendspedia, complete the assessment, or receive rate quotes. There are no application charges and no obligation at any stage.
Lenders in our network pay us a referral fee when they connect with a matched borrower. That's standard for loan marketplaces — and it's why the service is free for you.
Our matching algorithm ranks lenders by how well they fit your profile and goals — never by who pays us the most. Competition among lenders is what drives your rate down.
We don't let just anyone into the network. Every partner lender must clear our standards before they can receive a single borrower match.
Complete a brief assessment and we'll match you with licensed, verified lenders competing for your business — completely free, no obligation.
Take the Free Rate Check