The $40,000 Gap Between Retail and Broker Pricing
The same loan priced through retail and wholesale pricing produced a large difference in interest rate. See how accessing multiple lenders can directly lower the rate you receive.
Janco Damas
CEO, Bank Interest Rate Research
The Mortgage Market Does Not Find the Lowest Rate — It Finds a Profitable One
Mortgage pricing often reflects what a borrower accepts rather than the lowest available rate. See why limited competition results in higher interest rates.
The Myth of Relationship Pricing in Mortgage Lending
Relationship-based pricing provides only modest reductions in interest rate. See why broader market competition often produces a lower rate than loyalty discounts.
Mortgage Intermediation Costs and the Risk of Inflated Pricing
Costs built into the mortgage process directly affect how loans are priced. See how these costs can increase the interest rate you are offered.
Inside Mortgage Pricing: Why Two Borrowers Can Pay $60,000 Different for the Same Loan
Mortgage rates vary across lenders even for identical borrower profiles. See how these differences can lead to large changes in total loan cost.
Inside FHA Closing Costs: What a Study of Loan Estimates Reveals
FHA Loan Estimates show that closing costs vary significantly across lenders. See how these differences impact the interest rate and total cost of your loan.
What 267 Loan Estimates Reveal About the Cost of Mortgage Origination
Loan Estimate data shows that origination costs vary widely across lenders. See how those differences influence the interest rate and total cost of your loan.
How Mortgage Marketplaces Make Money and Impact on Consumer Loan Pricing
Mortgage marketplaces (bankrate, lending tree, Nerd Wallet, often prioritize lead generation rather than full price competition. See why this can prevent you from seeing the lowest interest rate available.
The Consumer Problem With Online Mortgage Marketplaces
Marketplace quotes (bankrate, lending tree, nerdwallet) can create the appearance of comparison without full competition. See why these platforms fall short in reality.
The $9,800 Origination Fee
A real Loan Estimate shows how significant costs can appear outside the interest rate. See how these fees increase the total cost and influence the rate you accept.