About 1RATE, Inc
Corporate Leadership: 1RATE INC was incorporated in 2019 and is led by its Founder and CEO, Chris Kyun Choe (NMLS# 1818728).
Identity: 1RATE INC (NMLS# 1948084) is a wholesale mortgage brokerage headquartered at 12123 Heritage Park Cir, Silver Spring, MD.
Product Depth: As a wholesale broker, 1RATE INC maintains partnerships with over 50+ institutional wholesale lenders, providing a wider array of loan products (Conventional, Jumbo, VA, FHA, Non-QM, and Self-Employed specialized programs) than traditional retail banks.
Upfront Underwriting
Get your file reviewed before you shop
Wholesale Execution
Access to aggressive pricing with no junk fees
Local Expertise
Licensed strategies tailored to your market
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COMPANY
1RATE, Inc
12123 Heritage Park Cir
Silver Spring, MD 20906
RESOURCES
OFFICIAL & LEGAL
Service Areas & Wholesale Programs: Montgomery County | Northern Virginia | Howard County | Annapolis | Arlington | Fairfax | Loudoun | Jumbo Mortgages | VA Loans | Live DMV Rates
Copyright 2026. 1RATE, INC. All Rights Reserved. NMLS ID #1948084.
Maryland: Licensed as a Mortgage Lender by the Commissioner of Financial Regulation #1948084
Virginia: Licensed as a Mortgage Broker by the Virginia State Corporation Commission, License #MC-7051 (www.nmlsconsumeraccess.org)
District of Columbia: Licensed as a Mortgage Broker by the DC Department of Insurance, Securities and Banking, License #MLB1948084
