Our Story


RateGator is reinventing the way people get a mortgage.

We’re the world’s first marketplace for mortgages that brings free market forces to each individual home financing transaction. Our platform creates an individualized market for each borrower in which loan officers and lenders submit competing offers based on your qualifications, desired rate and loan terms. Our system determines which lender or loan officer has submitted the most competitive offer and facilitates communication between you and your loan officer. Our experience has shown that individualized competition at the loan level makes lenders more likely to shave that extra bit off of your interest rate; all while eliminating the need to have your credit pulled by multiple lenders when shopping for a mortgage.


How it Works


1. Create Your Profile

Answer a few simple questions to help us understand what you are in the market for and tell lenders the terms you want..




2. Your Offer is Posted RateGator’s Mortgage Market

Loan officers can now view your situation, but they can only see what matters. Here's where you sit back and wait for the right loan officer to accept your offer.

3. A Loan Officers Accept Your Offer

Once a loan officer accepts your offer, we'll put you both in touch. This is the fun part. Get the mortgage you want on your terms.





Our Team


Shawn Murrane

As co-founder of RateGator, Shawn’s single greatest achievement has been convincing Brad that it was the right time to strike out on their own to create a platform that would fundamentally change the way people shopped for mortgages.

Previously, he served as General Counsel for a digital advertising agency based on Saratoga Springs. Shawn holds a B.A. in History and International Studies from the Johns Hopkins University, a masters from the Fuqua School of Business at Duke University, and a J.D. from the Villanova University School of Law.

Brad Kriss

Whether it’s co-founding the world’s first interactive market for mortgages or leading the movement to install an office chocolate fountain, Brad is always on the cutting edge. As the head of engineering, Brad leads our development team and focuses on bringing the RateGator platform to life.

A native of West Palm Beach, Florida, Brad previously worked in digital advertising as the lead developer for a Saratoga Springs-base agency.

Join Our Team! Send us an email to Careers@Rategator.com


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