Every lender priced at once. One honest verdict.
We price your exact scenario across our wholesale lender network simultaneously, find the lender priced best for your file, and send you the answer. No pressure, no selling, no hidden numbers.
The national average is not your rate. Yours depends on your credit, your equity, and which lender is priced best for your file this week.
Shopping for a mortgage the normal way costs you twice.
First in money, because retail lenders quote you a rate with their margin already inside it. Then in privacy, because the moment you ask for that quote, your phone number is worth more than your loan.
A wholesale lender network. Competing on the number.
Wholesale pricing is what lenders quote brokers, before retail margin. We compare it internally. These lenders compete on the number without ever receiving your contact information.
Real rates, really priced. Then we price yours.
Priced on wholesale sheets$400,000 refinance on a $550,000 home, 73% loan-to-value, 780+ credit, with 2.80 points (about $11,200) paid to buy the rate down. Priced Thursday, August 27 on real wholesale sheets.
That is not a teaser. It is what a strong file really costs today, points and all. Whether it is your number depends on your credit, your equity, and your property.
Tell us the basics and we will text you yours.
What are you trying to do?
Pick the closest. It sets what we price.
Answer five questions
What you are doing, roughly where your credit sits, the size, and the state. About a minute, and no credit pull.
We price 50+ lenders at once
Your exact scenario runs across the wholesale network, before retail margin, to find the lender priced best for your file.
You get your Rate Verdict
The number, what it costs, and whether it is worth doing. Including when the honest answer is keep what you have.
Should you refinance? Put your loan in.
Five fields about the loan you already have. We compare it to today’s wholesale pricing and say yes, wait, or keep it.
Pricing your loan against today’s wholesale…
One moment. This can take a little while the first time.
Sometimes the verdict is: don’t refinance.
We’re paid when a loan closes, so telling you to wait costs us money. We say it anyway, because the alternative is a customer who finds out later.
Buying, not refinancing
Same wholesale pricing, same honest read. Tell us what you are buying and a licensed broker texts you the real number and what it costs to get it.
Get a purchase verdictAlready have a Loan Estimate
Upload the Loan Estimate or quote you were given. A licensed broker reads it and tells you where the margin is and whether the offer holds up. Encrypted upload, seen only by our team.
Send an offer for reviewQuestions, answered plainly.
Do I have to give you my information to see rates?
No. The rates on this page are real wholesale pricing, run on live lender sheets and shown with the points they cost and the date they were priced. You only share contact details when you want your own scenario priced, and there is never a hard credit pull.
What does “wholesale” mean here?
Wholesale pricing is what lenders quote mortgage brokers, before the margin a retail lender adds for itself. As a licensed broker we compare that pricing across a lender network. The lenders never receive your contact information.
How do you get paid?
RateVerdict is operated by a licensed mortgage broker and is compensated through the loan only when a customer chooses to proceed. Reviews are free, carry no obligation, and we are never paid for selling contact information.
Why are the rates on the page different from mine?
The scenarios on this page are real, but they are somebody else’s file. Your rate depends on your property, loan amount, credit profile, occupancy, and equity. That is why we price your exact scenario across the lender network rather than asking you to assume a published number is yours.
Will anyone call me?
We text you your Rate Verdict. If you would rather talk it through, you tell us and we call. Your information stays with one licensed team and is never sold to competing lenders, so nobody else has your number to call in the first place.