Acceptance of these terms
By accessing or using a LenderCity service that links to these Terms of Use, you agree to these terms and our Privacy Policy. If you do not agree, do not use the service.
The LenderCity service
LenderCity provides mortgage education, artificial-intelligence-assisted guidance, calculations, Loan Estimate analysis, matched-offer comparison, Rate Watch alerts, lender introductions, and lender-partner tools. Features may change, be added, or be discontinued.
Mortgage information and limitations
- Guidance, calculators, comparisons, and AI responses are educational and depend on the information available.
- Displayed or matched rates and costs are not binding offers, commitments, approvals, or rate locks.
- Availability, eligibility, program fit, credit, income, assets, property details, documentation, pricing, fees, and approval require lender confirmation.
- APR, payment, points, credits, fees, cash to close, and other figures may change as a scenario is completed or verified.
- LenderCity does not authorize a credit pull through Ask Lenny, the Loan Estimate Analyzer, or the initial rate-comparison journey.
Do not make a financial decision solely from a Lenny response or comparison. Review original disclosures and consult an appropriately licensed mortgage professional.
Your responsibilities
You agree to provide information you are authorized to share and to use the service lawfully. You are responsible for reviewing scenario details, extracted Loan Estimate fields, calculations, and lender information before relying on them.
You may not misuse the service, attempt unauthorized access, interfere with security, introduce malicious code, scrape or reproduce the service at scale, impersonate another person or company, submit unlawful content, or use the service to violate another person's rights.
Do not submit Social Security numbers, bank credentials, payment-card information, or other unnecessary sensitive information in Ask Lenny or document-analysis fields.
AI and document analysis
Artificial intelligence and document extraction can produce incomplete, outdated, or incorrect results. Lenny may ask for confirmation, but it cannot guarantee that every missing or conflicting term will be detected. You remain responsible for comparing the output with the original document and seeking professional confirmation.
Lenny Intro and consumer consent
A Lenny Intro is a consumer-approved handoff to up to three selected lenders. Before sending, the consumer is shown the lenders, contact details, scenario information, questions, and other included context. Nothing is sent until the consumer approves the introduction.
Submitting an introduction does not create a loan application, approval, obligation to proceed, or guarantee that a lender will respond or offer particular terms. Any subsequent application, credit authorization, disclosures, and lender relationship are separate from the Lenny Intro.
Rate Watch and communications
Rate Watch is informational and is not a rate lock, approval, or guarantee of future availability. Alerts may be delayed or unavailable. You may unsubscribe using the method included in an alert.
By providing contact information and requesting a communication, you authorize LenderCity and applicable service providers to deliver that requested message. Additional lender communications are governed by the choices and consent associated with the Lenny Intro or lender application.
Third-party services and lenders
LenderCity may connect to independent lenders, pricing engines, reviews, AI providers, document processors, analytics, communications, and other third-party services. LenderCity does not control and is not responsible for third-party websites, products, underwriting, licensing representations, privacy practices, or performance.
Participating lenders are responsible for their own licensing, pricing, disclosures, communications, and compliance. Inclusion in a comparison is not an endorsement or guarantee.
Accounts and access
Some services require an account. You are responsible for keeping credentials confidential and for activity under your account. Notify LenderCity promptly if you believe an account has been compromised. We may suspend or terminate access when reasonably necessary to protect users, enforce these terms, or comply with law.
Ownership and permitted use
LenderCity, Lenny, the service design, software, content, and related intellectual property are owned by LenderCity or its licensors. Subject to these terms, LenderCity grants you a limited, personal, nonexclusive, nontransferable, revocable right to use the service for its intended purpose.
Disclaimers and limitation of liability
The service is provided on an "as is" and "as available" basis to the fullest extent permitted by law. LenderCity does not warrant uninterrupted availability, error-free results, complete extraction, lender response, eligibility, pricing, savings, or approval.
To the fullest extent permitted by law, LenderCity will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, opportunities, or savings arising from use of or inability to use the service. Rights that cannot legally be waived remain unaffected.
Changes to these terms
We may update these terms as the service and applicable requirements change. The effective date at the top identifies the current version. Continued use after an update means you accept the revised terms to the extent permitted by law.
Contact us
Questions about these terms may be sent to support@lendercity.com.
LenderCity, Inc.
Company NMLS 193390