About Us — PrimeRate Financial
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About PrimeRate

Started by two rate analysts who hated markups.

We spent years watching lenders pad rates behind closed doors. So we built the lender we wished existed: pricing in the open, published daily, defensible to the basis point.

Our story

We priced loans for other lenders. Then we did the math on our own.

Before PrimeRate, our founders spent a combined 19 years building pricing models inside large mortgage operations. They saw the same pattern everywhere: the rate a borrower got had less to do with the market and more to do with what a loan officer thought they could get away with.

PrimeRate was built to remove that variable. One pricing engine. One margin, set once, applied to everyone. Rates published every business morning at 9:00 AM ET against the same baseline scenario — so a quote from us on Tuesday can be checked against our own sheet from Monday.

We publish our rates. Every day. Ask your bank to do that.

0.31%
Avg. savings vs. next-best quote, 2025 funded loans
Bright modern kitchen in a newly financed home
What we run on

Four rules. No exceptions.

01

Transparency

Our rate sheet is public. Our fees are itemized. If you find a number you can't trace, we owe you an explanation.

02

Precision

We quote to three decimal places because that's where the money is. "Around six and a half" is not a rate.

03

Publish everything

Rates, APRs, points, turn times, on-time close rate. If we measure it, you can see it.

04

No games

No teaser rates, no bait-and-switch at closing, no commission incentives that work against you.

9
Years lending
38
States licensed
12,000+
Loans closed
98.6%
On-time closings
The team

Analysts first. Loan officers second.

Everyone who prices a loan here came up through data, not sales. Licensed, numerate, and allergic to fluff.

Elena Vasquez, Co-Founder and Chief Pricing Analyst

Elena Vasquez

Co-Founder · Chief Pricing Analyst
NMLS #000000
David Okafor, Co-Founder and Head of Rate Strategy

David Okafor

Co-Founder · Head of Rate Strategy
NMLS #000000
Sarah Lindqvist, Senior Loan Analyst for Purchase Lending

Sarah Lindqvist

Senior Loan Analyst · Purchase
NMLS #000000
James Whitfield, Senior Loan Analyst for Refinance Lending

James Whitfield

Senior Loan Analyst · Refinance
NMLS #000000
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