Turn your team into elite closers.
Give every loan officer the instincts of your top 1% producer. RateLocked shows exactly how borrowers engage with each rate consultation, alerts your team the moment intent peaks, and automates your referral network.
Rolled out team-by-team across growing mortgage branches.
Needs Attention
Borrowers showing buying intent right now
Opened 4 times, read the full page, clicked "What if rates drop?"
Returned this morning and spent 3m on the payment breakdown.
Client Engagement
How clients interact with your consultations
4m 12s
7
3
Real-time market data
The same numbers your borrowers see
Live national averages on every consultation — so the conversation starts from the truth.
Today's national averages
Mortgage News Daily · as of Jun 13
30-Yr Fixed · last 90 days
Why it works
From rate sheets to real-time intent
The same rate delivery, elevated to elite-team performance.
The blind spot
Static PDF rate sheets with zero visibility into who opens them, how long they read, or what questions they have.
The elite standard
Live Rate Clarity links with real-time tracking on scroll depth, view times, and active engagement.
The AI advantage
Instant alerts the second a borrower engages, so your team closes the file when interest is highest.
The platform
Built to make every LO elite
Live Intent Tracking
Stop guessing who to call. Track scroll depth, total view time, and active engagements so your team knows exactly which leads are hot.
Rate Clarity Engines
Replace confusing loan estimates with a public page that explains the rate simply and helps borrowers lock fast.
Partner Referral Hubs
Turn every partner into a referral pipeline
Generate trackable referral links for the partners who already send you business — realtors, builders, CPAs, and past clients. Their referrals check a rate, build trust, and drop straight into the right loan officer’s pipeline.
- A dedicated link per partner, so you always know who sent whom
- Borrowers land on a branded Rate Clarity page, not a cold form
- New leads route to the right LO automatically — no manual handoff
FAQ
Questions teams ask before rolling out
What exactly is RateLocked?
RateLocked is an AI rate explanation engine for mortgage teams. It turns the rate-delivery moment into a trust-building one — explaining the rate in plain language, then showing your team exactly how each borrower engages with that explanation.
Is this a CRM or a loan origination system?
No. RateLocked is not a CRM, lead-gen tool, or LOS, and it does not replace your pipeline software. It sits on top of your stack to handle one thing extremely well: explaining rates and surfacing borrower intent.
How does borrower intent tracking work?
Every Rate Clarity link quietly tracks scroll depth, total view time, return visits, and active engagement. The moment a borrower’s interest peaks, your team gets an alert so they can follow up while the file is hot.
Do borrowers see their specific rate before they’re under contract?
No. Public pages use national average benchmarks from Mortgage News Daily — never a borrower-specific rate pre-contract. The LO stays in control of when and how exact numbers are shared.
How do partner referral links work?
Generate trackable links for realtors, builders, CPAs, and past clients. When their referrals check a rate, they drop straight into the right loan officer’s pipeline — so your network compounds without manual handoffs.
Is it fast enough to use during a live consult?
Yes — that’s the bar we build to. Set your templates and voice once, and RateLocked generates a clear, on-brand rate explanation in seconds, right in the middle of a call.
Can a whole branch or team use it?
Yes. RateLocked supports branch admins with team-wide visibility, individual loan officers, and team members who help an LO — each with role-appropriate access.
Turn your team into elite closers
Roll RateLocked out across your branch and give every loan officer total visibility into borrower intent.