“Twenty-five years ago, we set out to revolutionize the mortgage business and provide a better experience for everyone.
Today, we are still driven to make a positive impact on the lives of every person we touch. As you learn more about us, you’ll see that Rate is the best mortgage lender in the country to grow your business and have a great quality of life.”
Victor Ciardelli Founder, President & CEO
Nationally-recognized
Rate continues to be recognized as an industry leader in innovation, technology and customer experience.
2025 Awards
Scotsman Guide
#2 Top Retail Lender
#1 Top Originator
#2 VA Loan Originator
NerdWallet
Top Lender for First-Time Homebuyers
Fortune
Best Overall Mortgage Lender
Forbes Advisor
2025 Best for First-time Home Buyers
Motley Fool
Best Mortgage Lender: Digital Experience and Down Payment Assistance
NAHREP
Top 250 Awards: #2 Most Latino Mortgage Originators
HousingWire Tech100
Mortgage Award Winner for Gateless Smart Underwrite
Flip the hourglass
Be a rainmaker.
The CEO Mindset: The Rate PhilosophySM
Most Loan Officers out there spend most of their time in the files. At Rate, our platform enables you to delegate the busywork to your team and focus on what only you can do: selling, marketing and building partnerships.
The key is to flip the hourglass and get out of the weeds: spend 80% of your time on $500-an-hour activities that grow your business. AI tech platform Products and pricing
Industry-leading products
Our goal is to help fund every loan that comes your way
Multi-lender platform
• Direct seller to Agencies, Wall Street and Main Street with securitization capabilities
• Proprietary CRA programs and affordable products
• Never say no again; broker out what we don’t offer in-house
• Renovation, Builder, New Construction, Reverse1, Seconds/HELOC2 and Personal Loans3
Unique product offerings that’ll enable you to close more loans than your competitors.
Builder options
Extended lock options, Builder Forwards, Long Term Rate Lock, Custom Comp Plans.
Construction lending5
Lock ‘N’ Build, extended rate lock programs, forward commitments, dream bigger, 2-1 buydown and escrow hold back waivers. Digital marketing kiosk for builder shows. Dedicated builder POD and condo project approval services.
Reverse1
Dedicated Reverse Team and Referral Program offering HECM, HECM for Purchase, Reverse Jumbo up to $4M and Standalone Second. Win over financial advisors and the growing 55+ crowd. Borrowers live in the house payment-free the rest of their lives. No FICO or DTI requirements.
HELOC/seconds2
Digital HELOC, no appraisal, fixed rate, funds in 5 days, 620 FICO, 85% LTV, flexible terms, 14+ additional 10/20 HELOCs, Closed End Seconds3 and Non-QM second options.
Residential bridge financing
Down to 550 FICO, streamlines, Simple Refinance, $100 down, 203k standard/limited renovation programs, Energy Efficient/Green Savings Program, 203h disaster program, manual underwriting.
Personal loans4
Earn commissions. Offer no-fee personal loans to borrowers, fast online applications in 10 minutes, funds deposited into account 1-2 business days. 1-5 year terms.
Buydowns5
RateReduce Sell6, Temp and Perm proprietary permanent and temporary buydown programs available on Fannie, Freddie, FHA, VA, USDA, jumbo and Non-QM. 3-2-1, 2-1-0, 1-1-1, 1-0-0, 1.5/5.0.
Builder options7
Extended lock options, Builder Forwards, Long Term Rate Lock, Custom Comp Plans for Specified Projects.
569-4287.
AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN,
Our AI tech platform
Be a rainmaker
Focus on $500/hour activities.
Most Loan Officers spend 80% of their time in the loan file. At Rate, we flip the hourglass so that you spend your time doing what you do best: building your business. We put the LO in control of two processing models that run simultaneously:
Standard Loans
In our Proactive POD Model, two processors keep your files flying. This team, which you work with every day, manages your pipeline and takes your loan to the clear to close, while you focus on business development.
Same Day Mortgage*
Combines the MC, the LC and the underwriter into one person, delivering same day commitments and a clear to close in 10 days or less**
VP of Mortgage Lending
If your company isn’t investing in technology, it’s slowing you down.”
Henry Gomez VP of Mortgage Lending NMLS: 444053
POWER VP
Ditch the laptop and run your business from anywhere, anytime
Our native mobile app gets out of Encompass and keeps you rainmaking:
Run pricing
Run rates, create multiple scenarios, edit fees and lock loans
Issue pre-approvals
Edit pre-approval terms, run automated underwriting and customize with conditions
Check status
Find loan status
Pull credit
From 3 bureaus
Live agent status updates
Easy access to everyone’s contact information
Our Double Your Business Playbook will help you 2x your volume in 12 months
Ensure your customers and referral partners think of you first
Our integrated Customer Relationship Management platform makes it really easy:
• Integrations across our entire ecosystem driven by our Loan Origination System (Encompass)
• New contacts are automatically brought into the CRM and marketing begins immediately
• Receive instant alerts for MLS, equity, rate and life events so you can contact customers quickly
• Thousands of emails, video, social and direct mail assets are readily available – and new ones are always being created
Postcards
Show up in their mailbox 24 times per year with two monthly content series.
Email campaigns
Automatically send two emails a month to reinforce the postcards.
Social media
Sign up for Rate Social, and 12–15 posts per month will be posted for you.
Digital retargeting
Personal re-targeting ad campaigns advertise YOU online 15x per month.
Stay in front of your customers, family, friends and referral partners with 16–20 touches per month, without having to do it all yourself.
Red Arrow Connect
Stay in front of your customers
Customer intelligence alerts, predictive alerts, MLS alerts, credit monitoring, top of mind postcards.
Evocalize
Geo-targeting campaigns, retargeting, database targeting, cookies you to consumer, directs to your Rate webpage.
Brand Lab
Build your personal brand on social media with custom videos created by our in-house production studio.
Rate Goods
Our online promo store, Rate Goods, helps you increase your presence with swag for every situation: charging stations, dog bowls, water bottles for showings and open houses
Business development
Build strong relationships with referral partners.
Identify and target the top 20% of agents in your market
Our proprietary technology enables you to categorize and sort agents by product mix, production and geography.
Business Development Team
Our Biz Dev Team calls agents, builders, attorneys, financial planners, CPAs to set up 1:1 meetings for you
Events Team
White-glove service from our Events Team makes meeting with agents easy and efficient.
Agent Advantage
When you meet with agents face to face, show them all the value you can provide. Make
#1 most-trusted lender by real estate agents*
• Easily share your personalized link with clients via text, email or QR code, permanently connecting you together
• Your referral partners can introduce you to their clients with a tap of a button
• On-demand library of financial education videos
• Hundreds of free fitness classes: yoga, meditation and nutrition
• Expanded revenue opportunities when clients apply for HELOCs, personal loans, Rate Insurance and more
• Loan Status updates in the app automatically let agents know the status of loans without calling you or your team
Coaching
We help each other develop the skills we need to grow
Best-of-the-Best guidance will help you reach your goal.
Coaching Calls
Leadership and top originators host recurring calls to share new innovations and best practices
Executive Coaching
A tailored program with bi-weekly coaching, absolute accountability and a performance tracking dashboard so that you can hit your goals.
Double Your Business Playbook
A playbook with strategies and tactics proven to double volume within 12 months
National and Regional Collaboration Events
We gather to share, learn and grow together.
Whatever your goal is, we’ll help you achieve it
Climb the ranks:
Soul Club
Anybody closing up to $10 million
Family Circle
Anybody
President’s Club
Anybody
Chairman’s Circle
Anybody
Committed to inclusion
Changing mortgage for good
At Rate, diversity, equity and inclusion matter. It’s our mission to ensure our team members have a space where they can feel represented.
GROW
Our GROW organization empowers women with a platform for learning and idea exchange.
LEAD
LEAD, our multicultural ERG (Employee Resource Group), focuses on cultivating future minority leaders to transform the industry.
PROUD
PROUD, our LGBTQIA+ organization, supports individuals for who they are, champions their talents and abilities and fosters a safe environment for success.
HONOR
HONOR is dedicated to supporting Veterans and military families, providing them with resources, community and opportunities for growth.
goes to someone in need
The Rate Foundation provides customized financial support to those working to overcome extraordinary hardships.
Our goal is to offer hope to those in crisis — an opportunity to stop, take a breath and begin healing.
$7.9 million has helped more than 2,000 individuals since inception
Everyone on the transition team was amazing. They’re not joking when they say you will be up and running day one.”
Smooth transition
We roll out the red carpet for new LOs
We make sure you have a soft landing so that you can hit the ground running.
Dedicated Transition Team
Your loans keep moving while you learn the Rate system:
• Consultant Vice President (CVP) Expert Loan Officers in all markets are 100% dedicated to supporting you
• Experienced processors Focus on helping you and your team
• Onboarding Concierge Your point of contact from day one
New hire VP launch plan
Right from day one, create excitement for your personal brand, repeatedly marketing to your entire database across all channels, both on and offline.
Ongoing marketing support
Our proven marketing strategy, unique business development plan and ongoing training opportunities will help you accelerate your momentum and reach your full volume potential.
