We believe we can accomplish amazing things together.

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 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.

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 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 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 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 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.

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’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.

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.