The Rate Trac Advantage
Banks have one option.
We have hundreds.
When you walk into a bank, they can only sell you their own product. When you work with a Broker like Rate Trac, we force lenders to compete for your business.
Think of it like booking a flight.
The Bank
Going to a bank is like buying a ticket directly from one specific airline. Even if their price is high or the schedule doesn't work, that's all they can offer you.
The Mortgage Broker
Using Rate Trac is like using Expedia or Kayak. We scan the entire market of wholesale lenders to find the exact rate, term, and program that fits your wallet.
Head-to-Head Comparison
See exactly why savvy borrowers choose brokers.
Feature
Retail Banks
Rate Trac (Broker)
Interest Rates
Retail Rates (Higher margins)
Wholesale Rates (Lower margins)
Product Selection
Limited to their own brand
Access to 50+ Lenders
Turnaround Time
30-60 Days (Slow queues)
14-21 Days (Dedicated teams)
Loan Officer Expertise
Generalist / 9-to-5 Employee
Licensed Expert / Entrepreneur
Compensation
Paid to sell you a high rate
Paid to find you the deal that closes
Technology
Legacy Systems
Modern Digital Process
Stop overpaying for your mortgage.
Let us shop dozens of lenders to find your perfect match. It costs you nothing to compare.