Torrey Jacoby is an executive in the mortgage industry affiliated with Rate, a nationwide lender and mortgage services provider based in Chicago. The organization focuses on technology-enabled, loan officer–driven lending, leveraging digital platforms to support mortgage origination and related services. Jacoby assumed a leadership role as vice president of mortgage, with Houston, Texas, as his primary market, reflecting Rate’s expansion strategy in Texas and beyond. His background includes extensive experience in residential lending and a track record within the local Houston market, contributing to the firm’s growth objectives through established lender relationships and a customer-centric approach. Rate positions itself as a fintech-powered entity that emphasizes originator support, workflow automation, and sales culture aimed at improving efficiency and responsiveness across its branch network. The company operates with a nationwide footprint, operating hundreds of branches and offering loan products across multiple states, including Texas. Torrey Jacoby’s move to Rate aligns with the organization’s emphasis on scalable originations and improved originator tooling within a collaborative, technology-enhanced environment.
Better than 67% of providers in Houston
In addition to the primary service, Torrey Jacoby at Rate (NMLS #1002704) also offers:
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Mortgage lending and digital financial services provider, Rate Companies, has hired Torrey Jacoby as a vice president of mortgage, to be based in Houston, Texas. Jacoby’s a top 1% originator both locally and nationally and brings more than a decade of experience and a track record of consistent production, having closed over $62 million in home loans in 2024.
nationalmortgageprofessional.comAly J. Yale Greater Houston I’m a freelance writer and journalist from Houston, covering real estate, mortgage and personal finance for publications like Forbes, Money, Business Insider, Fortune, US News & World Report, The Motley Fool, CBS News, Hearst newspapers, The Balance, HousingWire, Money Under 30, Bankrate, Builder Magazine, Multifamily Executive, The Simple Dollar, CreditCards.com and more. Before becoming a full-time freelancer, I worked in various roles at The Dallas Morning News,...
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Torrey Jacoby at Rate (NMLS #1002704) is listed as a financial service provider in Houston, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Torrey Jacoby at Rate (NMLS #1002704) to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Torrey Jacoby at Rate (NMLS #1002704), be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Torrey Jacoby at Rate (NMLS #1002704) with other providers in Houston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Torrey Jacoby at Rate (NMLS #1002704) has a rating of 5.0, which is better than 67% of providers in Houston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Torrey Jacoby at Rate (NMLS #1002704) requests. It is always best to call ahead using the phone number on this page so Torrey Jacoby at Rate (NMLS #1002704) can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Torrey Jacoby at Rate (NMLS #1002704) also offers: Mortgage lender, Mortgage broker.