About Ben Cohen
Ben Cohen is one of the nation's top-producing loan originators and a trusted voice for buyers, real estate professionals, and developers navigating today's ever-changing housing market. As Managing Director and Senior Vice President of Lending at Rate, Ben leads one of the most respected mortgage teams in the country, recognized for their speed, service, and execution. With over two decades of experience, Ben blends deep industry knowledge with a personal, client-first approach that simplifies complex financial concepts and delivers clear, actionable advice. His dedication to education and transparency has made him the go-to expert for those seeking clarity and confidence in one of life's biggest financial decisions. Each week, Ben shares his expertise on NBC's Open House Chicago, where he breaks down mortgage trends and highlights some of the Chicagoland's most remarkable homes. His insight-driven, conversational style has also made him a sought-after speaker for industry events, leadership summits, and media features nationwide. Beyond the numbers, Ben is passionate about giving back and staying connected to his community. He regularly supports local food banks, charitable organizations, and park district and youth sports programs—believing that the same care and teamwork that drive his business should also strengthen the neighborhoods around him. Above all, Ben is most proud of his role as husband to Teri and father to their three boys—a constant reminder of what matters most and why he's so passionate about helping others find their home. Recognized among the Top 5 Loan Originators in the U.S. year after year by *National Mortgage News* and *Mortgage Executive Magazine*, Ben remains driven by one mission: to help people achieve financial stability, homeownership, and peace of mind through an exceptional lending experience.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 3940 North Ravenswood, Chicago IL, 60613
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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