About Us
At DirectWholesaleRates by SNB Bank NA, we're not confined by tradition.
With a legacy dating back to our founder, John Henry Clay (J.H.C.) Stuart, in 1909, we’ve thrived for over a century thanks to our unwavering commitment to excellence.
Now, as we look to the future, we’re thrilled to introduce Direct Wholesale Rates to clients nationwide. Our mission is straightforward: to provide you and your family with the most affordable mortgages in the United States. How do we achieve this? By granting you direct access to the Wholesale Mortgage Market, specifically the Wholesale Strike-Price. What does this mean? It means that we don’t add costly margins to the wholesale offer. We deliver the best wholesale rate directly to our clients without any additional markups.
Our dedication revolves around making homes more affordable and ensuring client satisfaction. We blend cutting-edge technology with a personal touch to realize this vision.
Join us in revolutionizing the mortgage industry on a national level. Discover the potential for significant savings through wholesale mortgages.
Meet our experienced team
We are committed to enhancing the affordability of homes and guaranteeing your satisfaction.
L. Clay Stuart
Debby S. Terzo
Dave Zitting
Greg Tangney
Paige Ridley
We are an established company that is partnered with the largest wholesale lenders in the nation
The general public often doesn’t know that they can access wholesale rates on their mortgage loans. Thanks to our strong wholesale lender relationships, we open up a world of competitive rates and flexible loan options.