The big headlines on this release are efficiency, with OpenAI reporting that GPT-5.4 uses far fewer tokens (47% fewer on some tasks) than its predecessors).

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state. Loan origination ...

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. Average rates are on the low side, ...