The $40,000 Gap Between Retail and Broker Pricing
FIELD NOTESThe 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.
BANKIRR delivers the lowest rate and we prove it by showing our work.
The lowest rate does not come from a single lender, it comes from doing the work to introduce competition and improve pricing. These articles show how we analyze real Loan Estimates, introduce competition, refine pricing, and drive the interest rate down.
The lowest rate does not come from a single lender, it comes from doing the work to introduce competition and improve pricing.
These articles show how we analyze real Loan Estimates, introduce competition, refine pricing, and drive the interest rate down.
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
ANALYSISMortgage 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.