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.
COMPETITION
Learn how introducing a competing offer can directly lower your interest rate. See how lenders adjust pricing when they are forced to compete.
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.