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.
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REVIEWS
CASE STUDIES
COMPETITION
HOW TO COMPARE
MORTGAGE COSTS
What our customers say
These reviews examine real Loan Estimates submitted by borrowers and show how pricing changes once competition is introduced. For more detail, read the CASE STUDIES covering structure, credits, and lender responses that ultimately lead to a lower interest rate.
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.
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Have questions or just want to talk it
over? Pick a time to speak with a
Mortgage and Interest Rate Pro