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Rate and Compass International Holdings Make Landmark Move, Combining Their Two Joint Ventures, Creating Top 10 U.S. Retail Lending Leader: OriginPoint

  • Rate & Compass International Holdings merge their joint ventures, Guaranteed Rate Affinity & OriginPoint, under the OriginPoint brand to form a top 10 national retail mortgage lender.
  • The combined entity leverages Rate's AI technology & end-to-end lending platform while connecting to Compass's network of over 80,000 real estate professionals.
  • Victor Ciardelli, CEO of Rate, states the merger connects over 200,000 buy-side purchase transactions representing more than $200 billion in volume through Coldwell Banker Realty & Compass alone.
  • OriginPoint aims to streamline the home-buying process, enabling customers to find, secure, & close on a home in as few as 10 days.
  • Robert Reffkin, Chairman & CEO of Compass, notes the merger creates a simpler, more seamless experience by linking more real estate professionals with loan officers.
  • Rate plans to strategically onboard hundreds of high-performing mortgage originators to meet increased volume demands from its 80,000+ real estate partners.
  • The merger ranking is based on combined FY'26 YTD actuals plus forecasted production volume against peer volumes from Scotsman Guide's 2026 Top Retail Lenders rankings.
  • Compass International Holdings operates in approximately 120 countries with a global network of 300,000 real estate professionals & offers integrated services including brokerage, mortgage, title, insurance, & escrow.