Stop losing borrowers after you send the rate.
RateLocked gives loan officers a live communication layer for every rate conversation — track when borrowers view their rate page, see when they ask questions, and follow up at the exact moment interest is highest.
Built for mortgage teams that want clearer borrower communication, faster follow-up, and fewer silent drop-offs.
Needs Attention
Borrowers engaging with their rate right now
Read the full rate explanation, opened "What if rates drop?", and returned 2 minutes ago.
Asked why an online rate looks lower. RateLocked drafted an answer in your voice and alerted you.
Borrower Engagement
See what happens after the rate is delivered
4m 12s
3
1
Be the source of truth
They’re going to compare. Let them do it on your terms.
Borrowers will shop your rate against headlines, ads, and whatever they find online. RateLocked brings live market averages onto every rate page so the comparison happens with you in the room — you explain the number, frame the context, and stay part of the conversation instead of getting replaced by it.
Today's national averages
Mortgage News Daily · as of Sep 11
30-Yr Fixed · last 90 days
When borrowers understand the market, they ask better questions — and you know exactly when to step back in.
Why it works
The rate conversation doesn’t end when you hit send.
Most loan officers deliver the rate, hope the borrower understands it, and wait. RateLocked keeps the conversation alive by turning every rate page into a trackable, interactive communication channel.
The black box
You send the rate, then lose visibility.
Did they open it? Did they understand it? Are they comparing you against another lender? Did they get stuck on payment, points, or rate movement?
The live rate page
Every borrower gets a clear Rate Explanation page.
Branded, clear, and interactive. It explains the number, answers common questions, and gives borrowers an easy next step.
The follow-up signal
You get alerted when the moment matters.
RateLocked pings you when borrowers view, revisit, read deeply, or ask questions — so you follow up while the conversation is active.
The platform
Stop guessing what your prospects are thinking.
RateLocked helps loan officers deliver clearer rate explanations, monitor borrower intent, answer questions faster, and manage the workflow without living inside another dashboard.
Live Intent Tracking
Track rate page views, return visits, scroll depth, time on page, and high-intent activity. Instead of guessing who needs a call, RateLocked shows you which borrowers are actively engaging.
Borrower Question Alerts
When a borrower asks about their rate, payment, points, or market movement, RateLocked responds in your voice and notifies you immediately — so you can step in with a timely personal follow-up.
“I saw a lower rate online. Why is mine different?”
New borrower question · RateLocked drafted a response.
Email-Based Workflow
Loan officers are busy, mobile, and already living in email. Create and manage borrower conversations through email aliases — so the workflow fits how LOs already work.
Rate Explanation Pages
Replace static rate sheets and confusing PDFs with a clear borrower-facing page that explains the rate, payment, market context, next steps, and common questions in plain English.
Every page gives the borrower clarity — and gives the LO visibility.
Your Voice, Trained
RateLocked learns from your writing style and borrower communication preferences, then drafts explanations and responses that feel personal instead of generic.
“Rates moved slightly this week, but the bigger question is how this affects your monthly payment and timing. Here’s what I’d focus on…”
Voice matchedTemplates That Scale
Set your default sections, tone, next steps, and borrower education modules once. Then generate clear, on-brand rate pages quickly during or after a consult.
Partner referrals
Turn trusted partners into trackable referral channels.
Create dedicated referral links for realtors, builders, CPAs, and past clients. Every referral lands on a branded Rate Clarity experience, routes to the right loan officer, and gives your team visibility into where new opportunities come from.
- Unique referral links for every partner
- Branded rate clarity pages instead of cold forms
- New leads routed to the right LO automatically
- Referral activity tracked by partner
FAQ
Questions teams ask before rolling out RateLocked
What exactly is RateLocked?
RateLocked is a borrower communication and rate intelligence platform for mortgage teams. It helps loan officers explain rates clearly, track borrower engagement, answer questions, and follow up when interest is highest.
Is this a CRM or loan origination system?
No. RateLocked is not trying to replace your CRM or LOS. It sits around the live rate conversation — the moment when borrowers are deciding whether they trust the number, understand the payment, and want to keep moving forward.
How does borrower intent tracking work?
RateLocked tracks how borrowers engage with their Rate Explanation page, including views, return visits, time on page, scroll depth, and question activity. Those signals help LOs know when to follow up.
What happens when a borrower asks a question?
RateLocked can answer in the loan officer’s voice and alert the LO immediately. That gives the borrower a fast response while still giving the LO a chance to personally follow up.
Can loan officers use RateLocked through email?
Yes. RateLocked supports email-based workflows so LOs can create and manage borrower communication without constantly logging into another platform.
Do borrowers see their specific rate?
Yes. Borrowers receive a personalized Rate Explanation page that explains their rate, payment, context, and next steps in a clear format.
Can a whole branch or team use it?
Yes. RateLocked is built for individual loan officers and branch teams, with team setup, role support, and branch-level workflows available where needed.
How do partner referral links work?
Each partner gets a dedicated referral link or QR code. Borrowers who come through that link enter a branded rate clarity experience, and the referral is attributed back to the partner.
Don’t let the rate conversation go dark.
RateLocked helps loan officers deliver clearer rate explanations, see borrower intent, answer questions faster, and follow up before the opportunity slips away.