Independent mortgage brokers fight for your best rate — banks work for their shareholders. Here's why the difference matters.
Lender Partners
Avg. Rate Savings vs. Banks
More Loan Options
Working For You
| Feature | C2C Brokers | Bank / Retail Lender |
|---|---|---|
| Number of loan options | 30+ lenders | 1 (their own) |
| Wholesale pricing access | ✓ Yes | ✗ No |
| Works for the borrower | ✓ Always | ✗ Works for shareholders |
| Non-QM & specialty loans | ✓ Full access | ✗ Limited |
| Personalized service | ✓ Dedicated MLO | ✗ Call center |
| Closing speed | ✓ As fast as 10 days | 30–60+ days |
Even a 0.25% difference in your interest rate can save you $15,000–$50,000+ over the life of a 30-year loan. Because we access wholesale rates unavailable to the public, our clients consistently win lower rates than they'd find at a bank.
Self-employed? Recent credit event? Investor? First-time buyer? Banks often only offer cookie-cutter products. Brokers can find specialty programs specifically designed for non-traditional borrowers that banks can't or won't offer.
All mortgage brokers are required by federal law to act as fiduciaries. We are legally obligated to disclose all compensation and work in your best interest — a standard banks are not held to in the same way.
Instead of applying to multiple banks and getting your credit pulled repeatedly, you fill out one application with us and we shop it to dozens of lenders — protecting your credit score while maximizing your options.