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Companies

Low Rate

Mortgage rate comparison across wholesale lenders

Raised to date

$3.3M

of $3.3M offered across 1 Form D filing

Still open
$46K
Investors
5
Last filed
Apr 16, 2026

About

LowRate Co operates an AI-driven mortgage marketplace that puts wholesale lender pricing in front of individual borrowers. A borrower fills out one application and the platform compares their profile against a network of more than 30 wholesale lenders in real time, returning personalized rate quotes and loan terms. The company is a licensed mortgage broker (NMLS #2120424) rather than a direct lender, and markets itself on transparent pricing with no rate markups and on not selling borrower data. It is based in San Clemente, California and led by CEO Benjamin Anderson.

Exposes wholesale mortgage pricing directly to consumers through a single application, with an AI assistant handling the comparison and guidance work a borrower would otherwise do by shopping lenders one at a time.

Funding

  • EquityFiled Apr 16, 2026Form D
    $3.3M/ $3.3M

Product

LowRate Co mortgage marketplace

Consumer mortgage marketplace

A consumer-facing platform where a borrower applies once and receives the lowest available rate across a network of 30+ wholesale mortgage lenders, guided by Cindie, the company's AI assistant.

  • Single application distributed across 30+ wholesale lenders
  • Real-time rate and loan-term comparison against the borrower's profile
  • Cindie, an AI assistant available 24/7 to guide the application

Built for

US homeowners and homebuyers seeking a purchase mortgage, refinance, or cash-out refinance

People on file