AI Engine · Online · Last sync just now

Wholesale rates,
engineered.

Our AI scans over 70 wholesale lenders, extracts rate sheets in real-time, and surfaces the lowest net price for your scenario. No teasers. No bait-and-switch. Just math.

Lower closing costs. Faster funding.

rate-engine.live ● ACTIVE
→ scanning [lender_sheets]
→ extracted 86 programs ✓
→ computing best_price()
→ result 5.750% · +$5,865 credit
70+
Lenders scanned
<3s
Quote latency
24/7
AI uptime
⚡
Price live rates in 10 seconds
No SSN · No credit pull · Real wholesale pricing
price_loan.exec READY
$ engine claude-sonnet · 70+ lenders · live
Loan-to-Value 80.0%
$ scenario conv · purchase · 80.0% LTV · UT · 740 · primary · sfr
Live wholesale pricing · No SSN · No credit pull · <3s latency
70+
Wholesale Lenders
$287
Avg Monthly Savings
21 days
Average Close Time
UT·TX·FL·CO
Licensed States
01
Price Your Rate
Enter your scenario above. Our AI engine prices across 70+ wholesale lenders in under 3 seconds — no SSN, no credit pull.
02
Apply in 10 Minutes
Complete our secure online application. Upload documents from your phone. AI-assisted income & asset verification.
03
Close Fast
We handle everything. Average close is 21 days. You're kept informed every step.
// THE ENGINE

An AI that actually reads
every wholesale rate sheet.

Most brokers quote you a teaser rate then "shop" your file manually after you commit. We built an AI pricing engine that does the work continuously, before you ever fill out a form.

⚡
Real-Time Extraction
Our AI parses every wholesale lender's rate sheet on upload — every program, every adjustment, every LLPA. Daily refresh, sub-second extraction.
claude-sonnet · jsonb · supabase
🎯
Best-Price Engine
For every rate, the engine picks the lowest net price across all lenders we work with. Bonus structures, FICO bumps, state credits, lock periods — all factored in.
multi-lender · best-of · live
⚡
Lower Costs · Faster Close
Traditional mortgage lenders are slow and expensive. Our AI aims to drive down the cost of originations.
automated · transparent · no markup
📄
// NEW — AI LOAN ESTIMATE ANALYZER
Have a competitor's Loan Estimate? We aim to beat it.
Upload it. Our AI grades it A–F against current market, extracts the rate, Section A fees, and lender credits — then shows you the real margin they're charging vs. our wholesale pricing.
→

Ready to lock your rate?

Takes 10 minutes. No obligation. Direct call to a real human in under 1 hour.

Start Application → 📞 (866) 954-5891

Rate Edge AI · DBA Rate Edge Home Loans · Reliant Home Loans LLC · NMLS #1945532 · UT TX FL CO