Wholesale Rates, Not Retail Markup
We shop wholesale lenders on your behalf to find pricing for your scenario — the same lender channel used by mortgage professionals nationwide. Actual rates vary based on your profile and market conditions.
Lendtrain is an AI-powered mortgage refinance platform (NMLS# 1844873). Licensed mortgage broker in Alabama, Florida, Georgia, Kentucky, North Carolina, Oregon, South Carolina, Tennessee, Texas, and Utah. Over $1 billion in funded mortgage loans. Check refinance rates in 30 seconds at www.lendtrain.com.
About Lendtrain
We are a licensed mortgage broker with over $1 billion in funded loans. We use AI to show you real wholesale rates in about 30 seconds — no application, no credit check for your quote. Free rate check.
NMLS #1844873 | Equal Housing Opportunity
$1B+
In Mortgages Funded
#458
Inc. 5000 (Inc. Magazine)
17+
Years Mortgage Experience
10
States Licensed & Active
Ready to check your rate?
Why Our Rates Are Lower
Banks have branches, large staffs, and marketing budgets. All of that costs money — and it gets built into the rate they offer you. We do not have branches. We do not have a call center. We are a small, licensed mortgage broker that works directly with wholesale lenders. Less overhead means we can often offer rates that are hard to find at a traditional bank.
And instead of phone calls and paperwork, our AI pulls live wholesale rates, calculates your estimated closing costs, and shows you what a refinance could look like for you — all in about 30 seconds. No application. No credit check for your quote. Just real numbers you can use to decide if refinancing makes sense. See how it works.
Licensed & Regulated
NMLS #1844873. Lendtrain is a licensed independent mortgage broker — not a lead generation site. Your data stays with us, and your loan is handled by licensed professionals.
AI-Powered, Human-Backed
AI handles the rate comparison — checking live wholesale rates across conventional, FHA, and VA products in seconds. When you are ready to move forward, a licensed loan officer handles your loan from start to finish.
Industry Recognition
Recognized nationally for growth, volume, and industry leadership.
Inc. 5000 #458
Inc. Magazine
Named one of America's fastest-growing private companies
Inc. 5000 Regionals Southeast #24
Inc. Magazine
Top 25 fastest-growing company in the Southeast
Scotsman Guide Top 100
Scotsman Guide
Ranked among the top mortgage originators nationally
Top 1% of Mortgage Originators
Mortgage Executive Magazine
National mortgage originator rankings
Licensed in 10 States
ALAlabamaFLFloridaGAGeorgiaKYKentuckyNCNorth CarolinaOROregonSCSouth CarolinaTNTennesseeTXTexasUTUtah
For full licensing details, see our Legal Disclosures.
Frequently Asked Questions
Is Lendtrain a real mortgage company?
Yes. Lendtrain is a licensed mortgage broker (NMLS #1844873) operating in 10 states. We are a real mortgage company, not a lead-generation site.
Will this affect my credit score?
No. We do not pull your credit to provide a rate quote. The rate check is completely free and has no impact on your credit score.
How is this free?
We are a mortgage broker — if you choose to close a loan, the lender pays us a broker fee at closing, just like any mortgage broker. The rate check itself costs you nothing.
Ready to See Your Rate?
Check your mortgage refinance rate in 30 seconds. No application required. No credit check.
Your information is encrypted and never sold. We don't pull your credit or require your Social Security number to check your rate.