See real mortgage rates. Without the phone calls.
Anonymous wholesale pricing from a broad lender network. No name, no phone number, no hard credit pull.
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.
Price your scenario. No name, no credit pull.
Live wholesale pricingChange any field below. Rough numbers are fine. Nothing here identifies you. Press Update to re-price.
Pricing your scenario across the network…
This can take up to a minute the first time.
Estimated wholesale pricing for the scenario above. Point costs are shown as dollars; most refinance clients roll them into the loan rather than paying at closing, which changes the balance rather than the cash needed. APR is estimated and includes typical third-party costs. Not an offer, a rate lock, or a commitment to lend. Full disclosures.
Describe the loan
Enter a rough scenario: your current mortgage, a purchase, or an offer in hand. No name, no credit pull.
We price it wholesale
We compare wholesale pricing across the lender network, before retail margin, and structure the real choices.
You get a verdict
Refinance, wait, keep your loan, or improve the structure. A human-reviewed answer either way.
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
Price a purchase scenario the same way: set the goal to “Buy a home” and see the structures side by side.
Price a purchaseAlready 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.
Is this really anonymous?
Yes. You can price a scenario and see rates, payments, points, and break-even without entering a name or phone number, and with no hard credit pull. You only share contact details if you ask us to confirm pricing against your file.
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 figures here are estimated wholesale pricing for a representative scenario. Your own rate depends on your property, loan amount, credit profile, occupancy, and other factors, which is why a confirmed number comes from a licensed broker reviewing your file.
Will anyone call me?
If you submit your details, a licensed RateVerdict broker will reach out to confirm pricing and answer questions, usually within one business day. Your information stays with one licensed team and is never sold to competing lenders.