ERATE provides Mortgage Rates for properties located in Northern California and Southern California. ERATE serves Bay Area counties such as Santa Clara, San Mateo, San Francisco, Marin, Napa, Alameda, Sacramento, Contra Costa and others. The Southern California counties served include Los Angeles, Orange, Riverside, Long Beach and San Diego and others.
The First! In 1992, our founding company, LoanWorld, originated the first mortgage over the Internet. Then in 1994 we created the first online loan application.