Organizations like :

QuickenMortgage (www.quickenmortgage.com) can offer online applications for residents of all 50 states and provide real-time mortgage information, online rate lock-ins, and quotes. Aggregators are not all alike.

For example, GetSmart (www.getsmart.net) charges lenders several hundred dollars for each referral, regardless of whether the loan closes.

LendingTree (www. lendingtree.com) charges lenders about $10 to review each referral and to bid on a prequalified application. Only if the loan closes does the lender pay LendingTree several hundred dollars for the referral.