I’m a dedicated husband and proud father of three incredible daughters. With years of experience in the mortgage industry, I’m passionate about helping families achieve their dream of homeownership. I take pride in guiding clients through every step of the mortgage process—from financing options to closing—ensuring a smooth, informed, and personalized experience. I’m honored to serve my clients and look forward to helping you make your next move a reality.
Working with Matthew Davis was truly a blessing from start to finish. From the moment we began the loan process, he treated my wife and me like more than just customers—he treated us like people he genuinely cared about. He took the time to understand our needs, our goals, and what this home meant to us. Whether it was explaining loan details in plain language or helping us explore options that best fit our financial plans, Matthew made us feel confident and supported every step of the way.What really stood out was his dedication. No question was too small, and no hour was too late. He answered my late-night texts, returned calls promptly, and even dropped what he was doing to reach out when something needed immediate attention. That kind of commitment and compassion is rare these days. Matthew didn’t just help us buy a house—he helped us achieve a dream. We’re beyond grateful for his honesty, professionalism, and heart. I would recommend him to anyone who wants more than a loan officer—someone who truly cares about helping you find your home.
Shaun H
Working with Matthew Davis was truly a blessing from start to finish. From the moment we began the loan process, he treated my wife and me like more than just customers—he treated us like people he genuinely cared about. He took the time to understand our needs, our goals, and what this home meant to us. Whether it was explaining loan details in plain language or helping us explore options that best fit our financial plans, Matthew made us feel confident and supported every step of the way.What really stood out was his dedication. No question was too small, and no hour was too late. He answered my late-night texts, returned calls promptly, and even dropped what he was doing to reach out when something needed immediate attention. That kind of commitment and compassion is rare these days. Matthew didn’t just help us buy a house—he helped us achieve a dream. We’re beyond grateful for his honesty, professionalism, and heart. I would recommend him to anyone who wants more than a mortgage lender but someone who truly cares about helping you find your home.From Brandy and I, thank you. Truly.
Shaun H
Matthew and his team were great to work with. They were friendly, responsive, and helpful during the entire process.
Alicia Q
Once again, we received excellent service from Matt and his awesome team. Don't hesitate to give him a call! We've used Matt for purchases and refinances and he's always been great to work with.
Richard E
Matthew Davis and his team are the reason we now own our “Forever Home”. They are a unique group of individuals that are knowledgeable in their field, but who also possess the ability to make you apart of their “Family”. That’s so important!! You want your “Family” to have your best interests at heart. We couldn’t be more grateful, proud and blessed! Thank you all so very much!!!
Christina S
Very professional & very easy to work with. Would recommend to anyone!
Jesse M
We truly appreciated their guidance and support every step of the way. Highly recommend!
Kishia W
Matt was so helpful throughout the process of purchasing my home.
Lisa L
Matt and team were very responsive and helpful which was very important to us since our first lender failed in communication and we had to move quickly. Easy to work with and I would use again in the future.
Lisa K R
Fantastic experience with our mortgage process. Fast, accurate, and communicative. Really happy overall.
Robin F
Made a frightening experience rather painless for us. Very grateful for his communication and professionalism.
Robert G
Great service and care during the entire loan process!
Pam J
Matt and his team were incredible to work with. Even through the little hiccups and changes made along the way, they were constantly in contact and never skipped a beat. This loan process was very smooth and easy because of Matt and his team!
Brandon W
Greatest of all time. Hall of Famer.Walked us through the entire process and made it super easy!Fantastic communication throughout the entirety of the loan.Great guy all around cannot recommend enough.
Clayde A
Matthew Davis was the loan officer working with us to close on our house. He was very attentive m, answered our emails in a very timely manner and kept us updated the whole time. He made sure we understood everything being thrown at us during the buying process. We had many questions and he answered them all, and made the process of buying a house much easier!
Valery Hernandez R
Matt and everyone was amazing. We are so grateful for everything during this process in getting our first home
Erinn H
Matthew is a fabulous go-getter! With amazing communication! Thank you for helping us get our dream home!
Megan H
Matt is absolutely one of the best, he was patient and willing to do whatever it takes to make my closing happen. I honestly believe that nobody else could have done it. Highly recommended
Shawnna O
HIGHLY RECOMMEND MATT!!Matt went above and beyond in every aspect to make my home buying experience as seamless as possible. As a new home buyer, he was available whenever I had questions including odd hours of the day. He is very trustworthy and patient and is there to help you achieve your goal. Would not think twice about reaching out to Matt for any questions!
Zach S
Very helpful and great experience couldn’t ask for better
Darrin J
When it comes to buying a home, Matt is your guy! He walk you through the entire process and helps make home buying incredibly easy.He and his team are fun and take the pressure off making a big investment happen.The best part is, he makes it happen!
David M
This was our 2nd time working with Matt and his team. We had excellent experiences both times.
Richard E
Matt Davis was so kind and attentive to our needs throughout the purchase of our new home. Very appreciative for all that he did!
Dalenea G
Dealing with Matt and his whole team was a pleasure. Most important thing is to stay on contact via email and/or txt and calls. From start to finish of the loan process, any and all questions were answered and all concerns were handled by Matt to the best he could. I really appreciated his effort and got the feeling that it's not just a check to him and does care about the client. Again, stay on top of checking emails, txts, and returning calls and the process can be quick. First time homebuyer, and from the very start of finding a home, was closed in 23 days from accepted offer. If you put the effort in and do your part, he will do his to speed things up. Would recommend Matt and his team to anyone, first or multiple time homebuyers. Thanks Matt, and thanks for showing up at the closing appointment as well.
Daniel W
Fantastic group to work with. Matthew and his team are extremely efficient, well organized, and knowledgeable. They made the process extremely smooth as there are always a lot of moving parts involved!
Laura S
I have had the pleasure of working with Matt as a listing agent. He was very responsive and kept us informed throughout the process. When we were met with challenges, he took them head-on and made sure that we made it to closing on time. I enjoyed seeing Matt go above above and beyond by attending the closing and being there for his clients. He also took time to engage with my sellers which they greatly appreciated. Would highly recommend Matt as a lender!
Michael A
Matt and his team are phenomenal. They made every step of the process feel easy, comfortable, and seamless. They are excellent people that go above and beyond and truly care about their clients.
Elizabeth E
Matthew and the team were great to work with! 10/10 recommend!
Mike N
Matt and his team were a huge help throughout the whole process. They helped us with every step along the way making a somewhat unique and difficult process run smoothly. We are very thankful that we were able to work with them!
J R
Matthew Davis is very helpful and informative. Easy to work with.
chris s
You were absolutely wonderful! You went over and beyond to help us get our home. You were always available to answer our questions. I would definitely recommend you!
Lisa H
Matt went above and beyond to help me with my mortgage.Thanks Matt
Kelly H
Absolutely phenomenal to work with. Was super easy on us first time home owners and our millions of questions. Highly recommended!
Andrea S
Nothing short of fantastic. My initial lender told me the day we were scheduled to close that they would be unable to help due to not being able to understand a my work schedule. Matt was an all star and got everything set up and ready to go in less than 2 weeks and got it done!
Kevin S
Matt was great to work with! Making all the appointments and contacts for me as I was traveling for work. He and his team made the entire transaction easy and seamless.
Brian K
Matthew Davis is great!!! He got the deal done.. and doesn’t ignore or get annoyed with questions. I will definitely use him again in the future.
Gene L
Everything was great! Highly recommended!
Sean W
Matt Davis is awesome! Highly recommend seeing him for your home loan needs!
Sean W
From start to finish Matthew took care of every aspect of my loan and answered all of my questions immediately.
Lisa D
Did a great job on our home loan.
Mike J
Super fantastic. Matt Davis is superior to anyone I've ever worked with for ANY type of loan. Thanks so much!
Tammy S
Matt has been wonderful throughout the entire process. He is knowledgeable and has great communication skills. And is always available to patiently answer all my questions and calm my concerns. Definitely 5 stars!
Jane M
Matt went above and beyond. I felt I could fully trust him. Absolutely would recommend!!
Donna H
Everyone was nice friendly from the get go i wish give 10 stars , Matthew and his helper did good job on my loan Thanks again Matthew for your help GEORGE
George W
Matt was very helpful through every step of the process. He really goes the extra mile to help you get the house of your dreams. Highly recommend Matt!
Brett L
Matt when above and beyond to help us get out first home. He was a pleasure to work with and would recommend him to anyone.
Beth D
Great lender! Very communicative and helpful. He kept me and my client up to date throughout all steps of the transaction. Thanks Matthew!
Katarina W
Definitely goes above and beyond to help with any questions and more. Very helpful especially being a first time home buyer. 10/10 recommend. More than thankful that Matt was referred to me!
Felicia L
Friendly, responsive, informative experience. Had bad prior experience with another company and Matt and his team made me trust again
Melissa P
Very personable, incredibly knowledgeable on the loan process, helpful and responsive. I would recommend Mr. Matthew R. Davis to anyone looking for a mortgage.
Reyna V
Matt and his team are so awesome to work with! They went above and beyond to make a longtime dream of mine become reality! Thanks so much for all the hard work, help, time and patience!!
George L
Matt is the best and made buying a home easy!
Rachel B
Matthew Davis is an absolute rock star and really helped us through every step of the process.
Frank N
Matt Davis, at Preferred Rate Mortgage, did an absolutely, fantastic job. I know I was not the only client that he was dealing with, but he sure made it seem like I was.He was proactive and communicated clearly each step of the way, which alleviated a lot of the stresses I was putting upon myself.I was truly blessed to have him as a major partner in our home buying process.I would not have wanted to do this without Matt's help, throughout the entire process.Thank you so much! You helped make it a great experience.
Donald B
When the odds were against me when trying to buy my late fathers house. Matt figured it out and got the job done. He is a huge god send and couldn't ask for a better person to make this happen.
Amber Quintanilla B
Matt was awesome!! Very helpful and informative, made the whole process easy, fun and painless.
Timothy S
Matt Davis and Preferred Rate are amazing! I trust them from start to finish with all of my financial home buying needs as well as with my clients. Highly recommended!!!
Jay K
Matt was absolutely awesome! He worked hard and diligently to make sure we received the best loan and service imaginable. He communicated well and was always available to answer any questions and walk me through any steps. I would definitely recommend working with him to everyone. Thanks again Matthew.
Robert G
Matt Davis is one of the best people I’ve ever had the pleasure to work with. As a first time home buyer, the process was seamless with him on my side. I could not recommend someone better to work with than Matt!
Calliewes
Very efficient and very friendly! We had a great experience.
Kellie W
Matt did an excellent job at communicating and being flexible with us. He is always looking out for your best interests. Matt was very attentive to our needs and did a great job at communicating with us throughout the process. From getting pre approved to closing it was a joy to work with Matt.
Matthew B
Matt and his Team are amazing to work with! They kept us informed along the process, they went out of their way to ensure the process was smooth. Matt and his Team was above and beyond to make our side of the process simple! Would absolutely recommend, and look forward to working with hi and his team again in the near future!
James C
Matt and his team are extremely hard working and knowledgeable in the real estate arena. This was my first home, so I’m sure that I was among their least experienced clients at the time. They stuck with me and made sure that my t’s were crossed and I’s dotted through the whole thing, but also kept me informed on what was happening. These are the people you want to do business with.
Joseph B
Matthew was such a great resource, support, therapist and now friend, helping my family and I get back to Indiana from California. For so long I thought I didn’t have a chance getting approved for a mortgage. I had given up on my credit thinking I was already in too deep. Matt talked me off the ledge and reassured me that we would be able to get approved for something. In less than 24 hours he was in touch with great news. Matt has even went above and beyond giving me advice and resources to help me improve my credit. Matt kept great communication with me throughout the entire process, working around a different time zone. He was very patient with all of my questions and very honest with all of his responses. I highly recommend Matt and will definitely be using him again in the future!
jenny k
Working with Matt Davis was a very smooth process! He was available anytime day or night to answer any of my questions that I had. He was an awesome loan officer to work with I would recommend him to anyone!
Jonathan W
Matt was incredibly personal, explained the process in detail and kept us informed each step of the process!
Brian K
The absolute best financial experience I have ever had. Matt will go above and beyond and always available for a the questions I had.I think the man works 24 hours a day. I will refer everyone to call him for financing needs
David K
Mr Davis and everyone at Preferree Rate made this process super easy on this first time home buyer!! Definitely recommending to my friends and family!
Mary T
Matt Davis is a awesome loan officer....he did a great job for us...comminication was 2nd to none
Thomas G
Fantastic group to work with. Matthew and his team are extremely efficient, well organized, and knowledgeable. They made the process extremely smooth as there are always a lot of moving parts involved! This is the second time we have used Matt.
Laura S
The team was great and knowledgeable throughout the process. We felt like family, definitely a five star experience. Would recommend everyone to use them. Would definitely use them!!!
Marcus E
Matt at preferred rate was wonderful to work with. He was always available for questions and did a wonderful job helping navigate the process and the steps a realtor. Can’t say enough good things about my experience!
Bradley E
Everyone at Preferred Rate went above and beyond throughout our entire process from first contact to closing. Matthew was extremely knowledgeable, guided us every step of the way and made himself available whenever I needed to reach out. You guys are the absolute best of the best!
Casey G
Matt has been absolutely fantastic! We started this process not having a clue what to do. He walked us through it all, step by step, and not a second of it did we feel confused or stressed out! Everyone in their office is so friendly and made us feel so comfortable and at home. I would highly recommend him and we will absolutely work with him again in the future.
Kelly S
Matt Davis is an absolute professional and Preferred Rate took care of us 110% every step of the way.
Jonathan W
Matt and his team were knowledgeable, polite, prompt, and highly responsive throughout the entire process. He took the time to listen and handled every step with professionalism and care. I highly recommend Matt and his team at Preferred Rate.
Deilya S
Matt and his team were knowledgeable, polite, prompt, and highly responsive throughout the entire process. He took the time to listen and handled every step with professionalism and care. I highly recommend Matt and his team at Preferred Rate.
Deilya S
Matt has helped me several times and stayed in touch over the years helping me plan house renovations and financing options! He is first rate. Responsive, aware of market conditions and a fantastic partner to have. If you need help finding PLEASE reach out to Matt.
Chris W
Easy to work with and kept me informed throughout the entire process.
John S
Having Matt work for us on our home loan, is just that, he worked for us in every aspect of our purchase. Matt and his Crew went above and beyond, even during hours that they were closed. There's always someone there to assist us. I could write a book about all the good Matt and his Crew had done for us when purchasing our home. After closing, they still provide helpful tips and suggestions about ownership and loan servicing. I am honored to know someone of this caliber.
Timothy S
Matt was absolutely fantastic and made buying our home in Northern Kentucky such a smooth and enjoyable experience. From the very beginning, he was incredibly personable and genuinely caring. His entire team was wonderful, friendly, responsive, and always on top of every detail. Matt answered all of our questions quickly and got us pre-approved in no time, which gave us the confidence we needed to move forward with our home. We truly felt supported every step of the way. We’d highly recommend Matt to anyone looking for a loan officer who truly cares and delivers an outstanding experience.
Warren M
Working with Preferred Rate Mortgage was truly an incredible experience. My broker, Matt Davis, along with Alicia and Sheila, and more, made the whole process easier than I ever imagined!! I was just a walk in, with not much of a plan, but they made it feel meant to be.. They guided us through every step, were fantastic to me and my family, and made it all feel like a walk in the park.
Garrett S
Loan Programs
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)
Featured
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Supporting veterans and families with VA home loan options and resources.
VA Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Happy couple discussing FHA loan options at home.
FHA Loans
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)
Featured
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.
We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.
