Stop Paying for Leads That Ghost
Get fully verified borrowers who paid $39 to shop seriously. See their real credit, real income, real assets. Submit your best quote. Pay nothing unless you're selected. Close more loans in less time.
The Lead Gen Math Doesn't Work Anymore
You know the drill.
Pay $50-150 for a lead. It's "exclusive" (shared with 10+ other LOs). You call within 5 minutes. Voicemail. You text. Nothing. You email. Crickets.
Three days later they respond: "Just browsing."
Or they engage. You ask for documents. "I'll send them tomorrow." Tomorrow never comes. You chase for a week. Finally get pay stubs. Pull credit. 580. They said 720.
Dead deal. $150 gone. 10 hours wasted.
Multiply that by 50 leads. Maybe 2 close. You've spent $7,500 and 500 hours to close 2 loans.
documents and ghosts
Result: Expensive, exhausting, barely profitable.
There's a Better Way to Get Loans
Pre-verified borrowers. Real credit. Real income. Real intent. You only pay when they choose you.
A Completely Different Model
You only pay when you're selected. The borrower is already verified. The documents are already done.
We Match You to Deals You Can Actually Close
When you join, you set your criteria: Credit score range, Max LTV and DTI, States you're licensed in, Loan types you do (conventional, FHA, VA, jumbo, non-QM), Specialties (self-employed, investors, etc.). We only send you deals that match. No wasted quotes on loans you can't do.
You Receive a Complete Verified Package
Every borrower has already:
- Paid $39 (serious intent, not tire-kickers)
- Completed full qualification
- Authorized soft credit pull (real tri-merge scores)
- Verified income and assets via Plaid (real numbers, not guesses)
What you see:
- Actual credit scores from all 3 bureaus
- Verified income (bank deposits, pay history)
- Verified assets (down payment funds confirmed)
- Complete loan scenario (property, occupancy, timeline)
No more "my credit is probably 720" (it's not). No more "I make around $100K" (they don't). No more chasing bank statements for 2 weeks.
Real data. Ready to quote.
You Submit Your Best Quote (Free)
Review the verified package. If it fits your criteria, submit your quote: Interest rate, APR, Closing costs, Any lender credits or points. Quoting is always free. No risk to compete.
Borrower Sees Top 5 (Anonymized)
Our AI analyzes all quotes and presents the top 5 to the borrower. Quotes are anonymized at this stage - they see the numbers, not your name. The AI explains trade-offs: "This quote has the lowest rate but higher fees. Over 5 years, this other quote actually costs less." Borrowers make informed decisions based on value, not just who called first.
Borrower Selects 1-3 Finalists
If you're selected as a finalist: You pay $200, You get full borrower contact info, Direct communication opens, You're now competing with 2 others (not 10+).
Borrower Picks a Winner
If you're selected as the winner: You pay an additional $500 (total $700), Hard pull authorized (shared only with you), Close the loan.
The Fee Structure
If you're not selected as finalist: $0
If you're finalist but don't win: $200
The Numbers Speak for Themselves
Traditional Lead Gen
To close 10 loans:
- Buy 300-500 leads at $50-150 each
- Spend $15,000-$75,000 on leads
- Spend 4,500+ hours chasing (15 hrs × 300 leads)
- Close 2-5% = 10 loans
Rate Rebel
To close 10 loans:
- Get selected as finalist on 30 deals: $6,000
- Win 10 of those: $5,000 additional
- Total investment: $11,000
- Time: 3-5 hours per deal = 100-150 hours total
The Difference
- 50-80% lower cost per close
- 90%+ time savings
- Pre-verified borrowers (no document chasing)
- Competing with 2 others (not 10+)
- Serious buyers only (they paid $39)
A Note on Close Rates:
We can't guarantee you'll close every deal you win. That depends on your systems, your follow-up, your sales process. Winning means the borrower chose you - closing is still your job.
What we can tell you: these are verified, committed borrowers who paid to shop seriously. They're not tire-kickers. They're not ghosts. They chose you from competing options.
Expect close rates between 25-75% depending on your execution. That's still dramatically better than 2-5% on traditional leads.
Same Closings. 90% Less Time. Lower Cost.
The numbers speak for themselves. Stop chasing. Start closing.
Why Competitive Lenders Join
Stop buying 50-100 leads just to close one deal.
Pre-Verified Everything
No more document chasing. No more "I'll send it tomorrow." Credit, income, assets - all verified before you see the deal. You quote based on real data, not borrower guesses.
Serious Borrowers Only
They paid $39 to shop. They completed full verification. They authorized credit pulls. These aren't "just browsing" leads. These are people ready to get a mortgage.
Compete With 2, Not 10+
If you're selected as finalist, you're one of three. Not one of 10+ who got the same "exclusive" lead. Not racing to call first. Real competition on merit.
Only Pay When Selected
Quote as many deals as you want for free. You only pay $200 when a borrower actually chooses you as a finalist. No upfront lead costs. No wasted spend on unqualified leads.
Win on Value, Not Speed
Borrowers see quotes with AI analysis explaining total cost, not just rate. They pick based on value for their scenario. Being competitive matters more than being fastest to dial.
Own Your Niche
Self-employed specialist? Jumbo expert? Non-QM focused? Set your criteria and only receive matching deals. Stop competing with everyone on vanilla loans. Dominate your specialty.
Get Your Time Back
3-5 hours per deal instead of 15+. No document chasing. No follow-up loops. No ghosting. Package arrives ready to quote. You focus on closing, not hunting.
Build Your Reputation
Every deal builds your platform track record. Higher close rates and faster response times mean better matching over time. Good lenders get rewarded.
Ready to Close More in Less Time?
Verified borrowers who paid $39 to shop seriously. Complete packages ready to quote. No more ghosts.
Already Have a Borrower Who Invited You?
When borrowers sign up, they can invite their existing loan officer to compete.
If a borrower invites you:
- Your first time competing is completely free (even if you win)
- You'll see their verified data
- You submit your quote alongside our network
- You can also decline to participate
We're not trying to steal your pipeline. We're giving borrowers transparency. If you're competitive, you'll win. If you're not, they'll find out anyway.
Built by Someone Who's Seen Both Sides
I spent 21 years in mortgage lead generation. I built the lead gen systems for Zillow and Bankrate. I've generated over 3.2 million mortgage leads.
I've watched lenders burn millions on leads that ghost. I've watched consumers get destroyed by the shopping process. I built the system that created the chaos.
Now I'm building the thing that replaces it.
Rate Rebel is what mortgage shopping should have always been. Verified borrowers. Real competition. Transparency for everyone.
I'm also the founder of rebeliQ, serving 5,240 active loan officers. I know this industry. I know what's broken. I know how to fix it.
— Andrew Pawlak, Founder
What's Next
We're building more than a marketplace.
Pipeline Tools (Coming Soon):
Soon you'll be able to bring your own borrowers through Rate Rebel - not for competitive bidding, but to use our verification, automation, and communication tools for your own pipeline.
- Plaid-verified income and assets for your borrowers
- Structured communication and document collection
- Professional borrower experience
- Streamlined process from app to close
Same powerful infrastructure. Your borrowers. Your deals. No competition.
Details coming soon.
Frequently Asked Questions
Ready to Close More Loans in Less Time?
Verified borrowers. Real competition. Pay only when you're selected.