For lenders & loan officers
Leads from people already running the numbers
The Rate Lab is a homeowner intelligence layer — not another rate marketplace. We help people buying a home or considering a refinance understand savings first. Partner lenders receive introductions when those users are ready to move forward.
The strategy
Refinance-ready homeowners
People who ran their numbers on our calculator already know monthly savings and break-even — they're further along than a cold rate shopper.
Buyers sizing payments
As we add purchase scenarios, you'll meet borrowers who've already explored what a rate means for their payment — not just browsing listings.
Intent without the spam funnel
We lead with outcomes and history, not endless forms. When someone asks to talk to a lender, it's because they're ready — not because we tricked them.
How it works
- 1
Homeowners use the lab
Calculator, rate history, and future comparison tools — free, fast, no application.
- 2
They see real savings
Monthly and lifetime numbers at today's averages, with context on timing and their current loan.
- 3
You get warm introductions
When they're ready, we connect motivated borrowers to partners — purchase and refinance.
Work with us
We're building the homeowner tools first, then onboarding lending partners for purchase and refinance introductions. Leave your email to hear when partner access opens.
Want to see what homeowners see first? Try the refinance calculator