Pine's AI gets you to pre-approval in 15 minutes. Nesto's lender panel is twice as deep with a 0.10% rate edge. Both are no-commission, online-first brokers. The choice depends on what matters more to you.
You want speed. You're a W-2 employee with a clean file. You prefer mobile-first. You don't mind paying 0.05-0.10% more.
You want the lowest rate. You have a complex situation (self-employed, second property, refinance). You're comfortable with a 1-2 day pre-approval.