A Scalable, Fintech-Enabled Model for Modern Mortgage Lending

Introduction:
Get A Rate is an award-winning, fast-growing mortgage lender redefining how Americans secure home financing. With a vision centered on transparency, convenience, and customer empowerment, the company set out to modernize the mortgage pre-approval journey and create new earning pathways for real estate professionals. As an Inc. 5000 business experiencing rapid EBITDA expansion, Get A Rate pursued a strategic shift toward digital innovation and national scalability.

Problem:
The traditional mortgage pre-approval process is slow, complex, and heavily dependent on fragmented referral systems. Borrowers often struggle with long approval times, lack of real-time comparison tools, and limited visibility into true affordability. At the same time, real estate agents face commission pressure and lack structured opportunities to diversify income, despite being central players in the home buying journey.

Solution:
Get A Rate developed a breakthrough model combining a proprietary 10-minute digital mortgage POS system with a scalable Hybrid Agent program, addressing structural inefficiencies in the home-buying ecosystem:

·         Instant Pre-Approval: Borrowers can secure a pre-approval letter within minutes and immediately begin searching for homes based on real monthly payment calculations.

·         Hybrid Agent Model: Real estate agents are trained and licensed to originate mortgages unlocking new commission streams and improving customer retention.

·         Faster, Smarter Borrowing: The system provides rate comparisons, integrated guidance, and a frictionless digital experience that reduces dependency on traditional lead-gen channels.

·         Partnership-Driven Growth: The hybrid model enables real estate agencies to increase revenue, improve client outcomes, and scale through a tiered incentive structure.

Challenge:
Get A Rate required a comprehensive investor ready business plan that communicated its traction, outlined the strategic role of technology in its future growth, and highlighted its competitive differentiation in a saturated lending market. The company needed a clear, compelling storyline backed by detailed financial modeling and market context to support upcoming investment conversations.

How We Helped:
Our consulting team partnered with Get A Rate to craft a robust business plan and narrative designed for investor engagement:

·         Market Positioning & Strategy: We articulated Get A Rate’s first mover advantage in converting real estate agents into mortgage originators and detailed the scalability of its new digital platform.

·         Technology Narrative: We framed the proprietary POS system as a transformative engine for customer acquisition, retention, and operational efficiency.

·         Financial Forecasting: We built forward looking financials that illustrated exponential revenue growth potential, strong margins, and the impact of national expansion.

·         Competitive Benchmarking: We highlighted how Get A Rate outperforms major industry players across speed, digital experience, and scalability.

·         Compelling Storytelling: The final document positioned Get A Rate as a high growth fintech enabled lender poised to reshape the mortgage industry.

Impact:
The resulting business plan provided Get A Rate with a clarifying, investor ready narrative that:

·         Strengthened investor confidence by demonstrating a scalable model supported by strong historical performance and bold yet credible projections.

·         Reinforced the value of its technology investment, showing how faster approvals and automated funnels significantly increase lead conversions.

·         Improved strategic clarity around national expansion and agent recruitment.

·         Showcased the company’s trajectory, including revenue growth to over $19M and the long term potential for billion dollar scale.

Conclusion:
Get A Rate is emerging as a disruptive force in the mortgage and real estate ecosystem. By pairing technology driven pre-approvals with an innovative Hybrid Agent model, the company is unlocking new value for borrowers, agents, and investors alike. Our partnership helped refine and communicate this vision, equipping the leadership team with the insights and narrative required to accelerate growth and scale nationwide.