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?

The Wholesale Rate Advantage

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. Lendtrain is a 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.

Wholesale Rates, Not Retail Markup

Banks add their markup before you see a rate. We skip that step. As a mortgage broker, we go straight to wholesale lenders and shop for pricing on your behalf. You see what we find — no middleman markup added. Actual rates vary based on your profile and market conditions.

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

What are mortgage refinance rates today?
Mortgage refinance rates change every day based on market conditions, your credit score, loan-to-value ratio, and loan type. Use our free refinance calculator to see today's estimated rates for your specific scenario in about 30 seconds — no application or credit check required.
How do you refinance your mortgage?
Start by comparing your current rate to what is available today. With Lendtrain, you answer a few simple questions and get an estimated rate quote in about 30 seconds. If the numbers make sense, you apply with a licensed loan officer who walks you through the rest — from application to closing. The process typically takes 30 to 45 days.
Who has the best mortgage refinance rates?
Rates vary by lender, loan type, credit score, and property details — so there is no single "best" lender for everyone. Mortgage brokers like Lendtrain shop multiple wholesale lenders on your behalf, which can give you access to pricing you may not find going directly to a single bank. Try our free rate check to see what is available for your scenario.
How much are mortgage refinance closing costs?
It depends — closing costs vary widely based on your state, loan amount, credit score, property type, loan-to-value ratio, and whether you are doing a rate-term or cash-out refinance. That is why generic ranges are not very helpful. Our free refinance calculator builds a customized closing cost estimate for your exact scenario in about 30 seconds. Try it and see what your numbers actually look like.
When should you refinance your mortgage?
Refinancing may make sense when you can lower your rate enough that the monthly savings cover your closing costs within a reasonable timeframe — this is called the break-even point. Our free rate check shows you estimated monthly savings and closing costs so you can do the math yourself.
Will mortgage refinance rates go down?
No one can predict exactly where rates will go. Rates are influenced by the Federal Reserve, inflation, and bond markets. Rather than waiting for a specific rate, many homeowners check what is available today and refinance when the numbers work for their situation.

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.