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Guaranteed Rate Snapshot
We believe we can accomplish amazing things together.
We’re incredibly proud of our core values, which we infuse into every aspect of our company culture.
We grow for good:
We intend to be the #1 retail mortgage lender and #1 fintech company in the country, with the commitment that the more we grow, the more good we will do. We measure the positive impact we have on our members and communities. Every year, we conduct two companywide fundraisers, give each employee one paid day to improve our communities, and support over 50 individuals and their families through our Rate Foundation.
We put our members first:
We extend membership to everyone. We believe everyone deserves the same low rates and great service, whether they are a Wall Street big shot or a modest first-time homebuyer. We work relentlessly to earn our members’ trust and improve their lives. We are absolutely committed to making sure every member loves working with us so much that they can’t wait to refer us to their family and friends.
We work with the best of the best:
Our philosophy is to hire the best employees, build the best platform, and grow our business with the best partners. We are never satisfied with the status quo. We have a burning desire to deliver great results and always satisfy our members with exceptional service.
We think big:
We go for it. We are bold in our ideas, pushing beyond what most people believe is possible. We believe in the law of attraction and can accomplish anything through positivity and working together as one team.
We have grit:
We set meaningful, aggressive goals and tenaciously pursue them day after day, week after week. We accomplish these goals by overcoming obstacles and finding a way to WIN. We are relentless. We never give up. Ever.
We have an owner’s mentality:
We embrace a scrappy, entrepreneurial mindset and work as though we own the company. We are financially disciplined yet determined to push the boundaries and always invest in what matters. The success of our organization is directly tied to the well-being of our team, our members and the diverse communities we serve.
We embrace change:
We rapidly adapt to the everchanging landscape. We innovate. We crush bureaucracy, formality, and the fear of failure. We work the problem and jump on opportunities. We make bold decisions while managing risk for the best interest of our team, members and community.
We demand excellence:
Our focus is to have the best value proposition in everything we do. We have the highest standards, take pride in always elevating our game, and go all-out to achieve excellence. Being good is never enough..
We hold ourselves and others accountable:
We’re not victims—we are masters of our fate. We honor the commitments we make and never say, “That’s not my job.” If we make a mistake, we own it, fix it, and move forward. We seek transparency. We embrace constructive criticism in order to learn and grow.
We give a sh!t:
Being part of the Rate family means caring deeply about our work, each other and our company. We take pride in what we do and how we do it. You can’t work here unless you give a sh!t.
We’re incredibly proud of our core values, which we infuse into every aspect of our company culture.
We grow for good:
We intend to be the #1 retail mortgage lender and #1 fintech company in the country, with the commitment that the more we grow, the more good we will do. We measure the positive impact we have on our members and communities. Every year, we conduct two companywide fundraisers, give each employee one paid day to improve our communities, and support over 50 individuals and their families through our Rate Foundation.
We put our members first:
We extend membership to everyone. We believe everyone deserves the same low rates and great service, whether they are a Wall Street big shot or a modest first-time homebuyer. We work relentlessly to earn our members’ trust and improve their lives. We are absolutely committed to making sure every member loves working with us so much that they can’t wait to refer us to their family and friends.
We work with the best of the best:
Our philosophy is to hire the best employees, build the best platform, and grow our business with the best partners. We are never satisfied with the status quo. We have a burning desire to deliver great results and always satisfy our members with exceptional service.
We think big:
We go for it. We are bold in our ideas, pushing beyond what most people believe is possible. We believe in the law of attraction and can accomplish anything through positivity and working together as one team.
We have grit:
We set meaningful, aggressive goals and tenaciously pursue them day after day, week after week. We accomplish these goals by overcoming obstacles and finding a way to WIN. We are relentless. We never give up. Ever.
We have an owner’s mentality:
We embrace a scrappy, entrepreneurial mindset and work as though we own the company. We are financially disciplined yet determined to push the boundaries and always invest in what matters. The success of our organization is directly tied to the well-being of our team, our members and the diverse communities we serve.
We embrace change:
We rapidly adapt to the everchanging landscape. We innovate. We crush bureaucracy, formality, and the fear of failure. We work the problem and jump on opportunities. We make bold decisions while managing risk for the best interest of our team, members and community.
We demand excellence:
Our focus is to have the best value proposition in everything we do. We have the highest standards, take pride in always elevating our game, and go all-out to achieve excellence. Being good is never enough..
We hold ourselves and others accountable:
We’re not victims—we are masters of our fate. We honor the commitments we make and never say, “That’s not my job.” If we make a mistake, we own it, fix it, and move forward. We seek transparency. We embrace constructive criticism in order to learn and grow.
We give a sh!t:
Being part of the Rate family means caring deeply about our work, each other and our company. We take pride in what we do and how we do it. You can’t work here unless you give a sh!t.
Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, Rate is the #2 retail mortgage lender in the U.S., with over 850 branches across all 50 states and Washington D.C. Since its launch in 2000, Rate has helped more than 2 million homeowners with home purchase loans and refinances. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates, and delivering unparalleled customer service. Honors and awards include Best Mortgage Lender for First-Time Homebuyers by NerdWallet for 2023; HousingWire's Tech100 award for the company's industry-leading FlashClose℠ digital mortgage platform in 2020, MyAccount in 2022, and Language Access Program in 2023; No. 2 ranking in Scotsman Guide's 2022 list of Top Retail Mortgage Lenders; the most Scotsman Guide Top Originators for 11 consecutive years; Chicago Agent Magazine's Lender of the Year for seven consecutive years; and Chicago Tribune's Top Workplaces list for seven straight years. Visit www.rate.com for more information.
