About Us

"At Direct Wholesale Rates, my experience has been nothing short of exceptional. I've seen my clients receive top-notch, efficient service paired with the most competitive mortgage rates available. It's a winning combination that continues to impress."
Lynn Butterfield
Coldwell Banker - 42-Year Real Estate Veteran

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.

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L. Clay Stuart

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Debby S. Terzo

Chief Operating Officer
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Dave Zitting

EVP Mortgage Lending
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Greg Tangney

Sr. Loan Advisor
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Paige Ridley

Sr. Loan Advisor

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.

Make smarter decisions about your financial future with

A stress-free lending experience