I will leverage my 10+ years of experience to provide the knowledge you need and the customer service you want in your mortgage lender. Conventional (3% Down), FHA, VA and USDA 100% Financing, Jumbo, and Home Renovation Loans for purchase and refinance of Primary, Secondary, and Investment Properties, SFR, 1-4 family and Low and High Rise Condos. Rate is licensed in all 50 states.

Consultant Vice President

Rate is one of the largest retail mortgage lenders in the United States. Founded in 2000 and licensed in all 50 states and Washington, D.C., it has helped homeowners nationwide with home purchase loans and refinances.

Robert Baldwin at Rate (NMLS #1431253)

Hi, I'm Conrad! I believe getting you into life's next chapter is a big deal—home is where dogs are loved, kids are raised, and memories are made—but homeownership shouldn't be scary. After six years of guiding clients, I've learned how to give you the confidence needed to make the right financial decisions for you.


After all, financial literacy as a skillset we aren't taught in school. My loan team and I structure refinance loans well, crunch the numbers through customized worksheets, and assist with credit enhancements based on your specific needs and goals.


It's important to set my clients partners up for success beyond your closing date. My online reviews echo that I see the big picture while observing the small details. When you hire me as your trusted mortgage pro you become my teammate, and it is my belief teammates communicate quickly to accomplish great things. My phone number and application are above this bio on your screen. Apply today so we can get you that home. Let's get started.

VP of Mortgage Lending

Conrad Frank is your Grand Rapids local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Conrad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Conrad at (312) 508-4163 for more information!

Conrad Frank at Rate (NMLS #1868036)

I have been in the residential mortgage business since 1999. I started young and soon learned that I would have to prove myself through my knowledge of the business.  To ensure a smooth mortgage process, it begins with getting pre-approved. Before you start your house hunt, I will answer all of your questions and address your concerns so you’re shopping with confidence. I will collect all the documents needed for your approval as if you had actually found a home. This way your loan is being reviewed up front so all of us will know what to expect when the real house comes along. My goal is to create a client for life by providing the best experience a client could have while making, possibly, the biggest investment of their life. I feel I’ve been a success if a client refers me to a friend, co-worker, or family member.

Branch Manager

Shawn McLean is your Grand Rapids local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shawn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shawn at (616) 259-5761 for more information!

Shawn McLean at Rate (NMLS #1580592)

David Dakoske has been delivering customized financing solutions for his clients for the better part of the past decade.  His team of selected mortgage professionals are dedicated to their craft of providing a lending platform that is customer focused, driven and constantly re-evaluating how we can best serve our clients and referral partners.    Originally from Traverse City, Michigan, David grew up surrounded with extended family in both the real estate and lending worlds.  Upon graduating, he went on to receive a Degree in Marketing from the Eli Broad School of Business at Michigan State University.    Following five+ years in the Event/Sports Marketing world in Chicago, David turned his attention to home financing where creating relationships/experiences with clients keeps the work exciting and rewarding.  After learning the lending ropes within the retail bank platform and, David left to join Rate and has reveled in the culture, high-energy and their commitment to be constantly improving their craft.

David Dakoske is your Grand Rapids local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, David is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact David at (773) 654-2036 for more information!

David Dakoske at Rate (NMLS #584779)

Martin Duso has been in Home Lending for the better part of the last decade. He proudly serves Clients in the Chicago Area and in several other states across the US. Whether you're a first time home buyer, or are expanding/downsizing/buying a vacation home, Martin is your guy to find the right mortgage to fit your needs.

Martin Duso is your Grand Rapids local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Martin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Martin at (773) 360-0776 for more information!

Martin Duso at Rate (NMLS #1217037)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Reilly O'Toole is your Grand Rapids local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Reilly is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Reilly at (616) 438-9955 for more information!

Reilly O'Toole at Rate (NMLS #870621)

Grand Rapids

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6 Loan Officers Grand Rapids, MI