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Alex ScoreBy MyFriendAlex · Method v1.0

Know the value.
Understand the trade-offs.

Turn the numbers behind an offer into a score you can inspect. Change your assumptions, see why the rating moves, and keep the comparison worth revisiting.

01 Your numbersEditable inputs and personal limits.
02 Visible reasoningEvery point has a formula behind it.
03 Honest confidenceA score never verifies the source.
Read the methodology
EXAMPLE · All figures are illustrative. Replace the sample inputs for a personal comparison.
Quote AIllustrative example99/ 100

$129,140 borrowing costSee why ↓

Quote BIllustrative example100/ 100

$126,614 borrowing costSee why ↓

Mortgage quote workspace

Give every quote a paper trail.

Add lender names, dates and your source notes. These travel with saved comparisons. Dates and terms are supplied by you; a quote date does not verify a rate lock.

Quote A

No expiration recorded. Confirm any quote and lock deadlines.

Import the file into your calendar to enable an alert. Changing this date does not update an existing calendar event.

Quote B

No expiration recorded. Confirm any quote and lock deadlines.

Import the file into your calendar to enable an alert. Changing this date does not update an existing calendar event.

Mortgage quote import

Start with your Loan Estimate.

Text-based PDFs, up to 10 MB and 12 pages. The file is processed in this browser. Scans and password-protected files need an unlocked text PDF or manual entry.

Review before applying
Import and review a Loan Estimate PDF

Fixed-rate mortgage quotes

Compare the same borrowing need.

Fixed-rate, fully amortizing loans only. Payment limits cover P&I + PMI, not total housing affordability. Upfront limits cover loan costs, not full cash to close.

Quote A

Alex Score by MyFriendAlex

Quote A

Strong modeled fit

Illustrative rating · sample numbers

Data confidence: Low

Illustrative example; not a personal rating.

Borrowing-cost value58.8 / 60

$129,140 of interest, PMI and net loan costs vs $126,614 for the lower-cost entered quote.

Payment-limit fit25.0 / 25

$2,528/month against your $3,000 P&I + PMI limit.

Upfront-cost fit15.0 / 15

$3,000 net loan costs against your $12,000 limit.

Compare the extra borrowing cost with the other trade-offs.

Trade-offs & what this leaves out
  • Taxes, insurance, HOA, down payment, escrows and upkeep are outside this score.
  • Monthly PMI is held constant until payoff or the chosen horizon; enter 0 only if none applies.
Method v1.0 · Quote comparisonSee the logic

Quote B

Alex Score by MyFriendAlex

Quote B

Strong modeled fit

Illustrative rating · sample numbers

Data confidence: Low

Illustrative example; not a personal rating.

Borrowing-cost value60.0 / 60

$126,614 of interest, PMI and net loan costs vs $126,614 for the lower-cost entered quote.

Payment-limit fit25.0 / 25

$2,430/month against your $3,000 P&I + PMI limit.

Upfront-cost fit15.0 / 15

$8,000 net loan costs against your $12,000 limit.

Lowest modeled borrowing cost of these two quotes.

Trade-offs & what this leaves out
  • Taxes, insurance, HOA, down payment, escrows and upkeep are outside this score.
  • Monthly PMI is held constant until payoff or the chosen horizon; enter 0 only if none applies.
Method v1.0 · Quote comparisonSee the logic
The dollar differenceQuote B has $2,526 less modeled borrowing cost over 60 months. Similar scores can still hide a meaningful dollar difference.

Alex Insights

Find what moves the decision.

Thresholds use your entered assumptions. Dollar value, personal limits and the score can tell different parts of the story.

Calculated from your inputs

When the cost leader changes

Quote B becomes lower-cost by month 40 (3.3 years).

Quote A · main cost driver

Interest accounts for $126,140 of $129,140 modeled borrowing cost.

Quote A · fee threshold to tie

Net upfront loan costs would need to fall to $474 or less to match the other quote’s borrowing cost at this horizon, holding rate, term and PMI fixed.

Quote B · main cost driver

Interest accounts for $118,614 of $126,614 modeled borrowing cost.

Stress-test this comparison

Holding periods of 1, 3, 5, 10 and 20 years. Entered rates, terms, fees and limits stay fixed; the chart compares interest + PMI + net loan costs.

Stress scenarios · borrowing costs in dollars$0$216,223$432,446Quote A: $28,868 · 1 yearsQuote A: $79,687 · 3 yearsQuote A: $129,140 · 5 yearsQuote A: $245,497 · 10 yearsQuote A: $432,446 · 20 yearsQuote B: $32,367 · 1 yearsQuote B: $80,174 · 3 yearsQuote B: $126,614 · 5 yearsQuote B: $235,507 · 10 yearsQuote B: $408,992 · 20 years1 years3 years5 years10 years20 yearsStress scenarios · borrowing costs in dollarsMaximum $432,446Minimum $0Quote A: $28,868 · 1 yearsQuote A: $79,687 · 3 yearsQuote A: $129,140 · 5 yearsQuote A: $245,497 · 10 yearsQuote A: $432,446 · 20 yearsQuote B: $32,367 · 1 yearsQuote B: $80,174 · 3 yearsQuote B: $126,614 · 5 yearsQuote B: $235,507 · 10 yearsQuote B: $408,992 · 20 years1y3y5y10y20y
Quote A · solidQuote B · dashed

Lower borrowing cost determines the dollar leader. Scores retain all v1 gates and limits.

1 year

Quote A
$28,868100/100 · Strong modeled fit
Quote B
$32,36794/100 · Strong modeled fit

Dollar leader Quote A

3 years

Quote A
$79,687100/100 · Strong modeled fit
Quote B
$80,174100/100 · Strong modeled fit

Dollar leader Quote A

5 years

Quote A
$129,14099/100 · Strong modeled fit
Quote B
$126,614100/100 · Strong modeled fit

Dollar leader Quote B

10 years

Quote A
$245,49798/100 · Strong modeled fit
Quote B
$235,507100/100 · Strong modeled fit

Dollar leader Quote B

20 years

Quote A
$432,44697/100 · Strong modeled fit
Quote B
$408,992100/100 · Strong modeled fit

Dollar leader Quote B

Lower borrowing cost determines the dollar leader. Scores retain all v1 gates and limits.
ScenarioQuote AQuote BDollar leader
1 year$28,868100/100 · Strong modeled fit$32,36794/100 · Strong modeled fitQuote A
3 years$79,687100/100 · Strong modeled fit$80,174100/100 · Strong modeled fitQuote A
5 years$129,14099/100 · Strong modeled fit$126,614100/100 · Strong modeled fitQuote B
10 years$245,49798/100 · Strong modeled fit$235,507100/100 · Strong modeled fitQuote B
20 years$432,44697/100 · Strong modeled fit$408,992100/100 · Strong modeled fitQuote B

These are hypothetical scenarios, not forecasts. No probabilities are assigned. Changing stress controls does not change or save the inputs above.

Branded score cards

A comparison worth keeping.

Download a 1200 × 1500 PNG with the score, breakdown, confidence, method and generation date. It creates an image on your device.

Create a score card

Dollar amounts are hidden by default. Scores and confidence remain visible. Example scenarios carry a prominent sample-input label.

Complete the selected option’s inputs to create its score card.

Score history

Keep the reasoning over time.

Named snapshots retain their inputs, calculated results, confidence and method version. These snapshots stay in this browser; up to 20 across all categories. Use the private account section below for access on other devices.

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Move a saved comparison to another browser or recover a downloaded backup. Choose an Alex Score snapshot JSON file, up to 256 KB. It is read on this device and is not uploaded.

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Your private account

The same numbers. On your next device.

Saving here is optional. It keeps the original inputs, calculated results, quote notes and method version in My MFA. Browser snapshots and PDF documents stay on this device unless you explicitly save these inputs.

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Alex Score is a category-specific educational heuristic. It is not a credit score, lender-safety rating, approval probability or guaranteed outcome. Scores from different categories are not comparable. The highest-scoring entered quote is not necessarily competitive with the wider market. See formulas, gates and limitations.