Disrupting an industry takes special leadership.
Led by Victor Ciardelli, our leadership team is made up of ambitious, creative thinkers who propel the disruptive nature of Rate’s unique business model, with a deep understanding that the mortgage revolution we started in 2000 requires constant nurturing, reinvention and commitment.

Victor Ciardelli
President & CEO
He’s known as an innovative and driven entrepreneur, and an inspirational and approachable leader who loves new thinking and creative ideas. He’s a passionate father of four, a great friend to people from all walks of life, and a believer in the law of attraction, positivity and healthy living.
Victor founded Rate, now the second largest retail mortgage lender in the United States, in June of 2000 with the mission of delivering more value to customers than any other bank or mortgage company.



















