CHICAGO and NEW YORK, Nov. 04, 2026 (GLOBE NEWSWIRE) -- Rate, a leading fintech company, and Compass International Holdings, a global real estate services company, announced that their two high-volume mortgage joint ventures, Guaranteed Rate Affinity and OriginPoint, will merge under the OriginPoint brand to create a top 10 national retail mortgage lender with a unique value proposition for loan officers, real estate professionals and consumers.
The result is a mortgage business with vastly greater resources and geographic reach, still backed by Rate’s advanced AI technology, breadth of products and state-of-the-art, end-to-end mortgage lending platform. All of it is seamlessly connected to Compass International Holdings’ owned-brokerage network of more than 80,000 real estate professionals, the largest in the country.
“This merger creates a powerhouse lending platform never before seen in the real estate industry,” said Victor Ciardelli, founder and CEO of Rate. “Between Coldwell Banker Realty and Compass alone, there are over 200,000 buy-side purchase transactions representing more than $200 billion in purchase volume. OriginPoint now connects the best real estate professionals and the best loan officers in the country. It is a once-in-a-generation opportunity for best-in-class loan officers to exponentially grow their businesses.”
Building on that momentum, Compass and OriginPoint will continue to invest in building the most efficient platform to find, secure and close on a home. OriginPoint customers will receive a streamlined real estate experience unmatched in the industry, allowing them to find, secure and close on a home in as few as 10 days. For homebuyers, that means a more connected, personalized experience across the real estate and financing journey, with greater choice and the support of one organization helping its clients from home search through closing.
“OriginPoint is a trusted partner of our team. By bringing our two joint ventures with Rate together, we can now serve our clients better than ever before,” said Robert Reffkin, Chairman and CEO of Compass International Holdings. “We can connect more great real estate professionals with more great loan officers to create a simpler, more seamless and connected experience for homebuyers.”
“This combination brings our best-in-class team, technology, service and leadership together to create a tremendous opportunity for loan officers to take full advantage of the $200 billion in buy-side transactions available to them to win more deals and help more consumers,” Ciardelli added. “Along with giving our loan officers more opportunities to build their businesses, we’re going to recruit like crazy with plans to strategically onboard hundreds of high-performing mortgage originators across the country to serve the increased volume demands from our 80,000+ real estate partners. This announcement is a milestone, but it’s just the beginning of what’s to come.”
Sources:
Top 10 Retail Lender: Ranking calculated by comparing Guaranteed Rate Affinity and OriginPoint combined FY’26 YTD actuals plus forecasted production volume as of 10/7/26 against peer volumes as reported in Scotsman Guide’s 2026 Top Retail Lenders rankings (FY’25 actuals).
Buy-side volume data: Trailing 12-month sales data through June ‘26, Compass International Holdings internal brokerage data.
About OriginPoint
OriginPoint, a joint venture between Guaranteed Rate, Inc., and Compass Inc. (NYSE: COMP), is an independent retail mortgage company that provides personalized lending services and access to the most competitive low rates through an elite team of the industry's top mortgage professionals. OriginPoint is a digitally driven enterprise designed to accelerate growth by continuing to modernize the real estate transaction process through increased speed and efficiency for loan originators, agents and customers. By connecting the top loan officers and best real estate agents using the most innovative technology platforms, this national mortgage company is focused on the customer's ultimate success and satisfaction. To learn more, visit www.originpoint.com.
About Rate
Rate believes true wellness is when your financial, physical and mental health are in harmony. Our mission is to inspire people to live longer, happier and more fulfilling lives. We’ve already helped more than 2 million Americans get into their homes. Now we’re helping them thrive inside their homes — and everywhere else in their lives. To further our mission, Rate is building the world’s largest wellness community to give people the tools, resources and support to build a life they truly love. Learn more at rate.com and download the Rate App today.
Recognition: Chicago Agent Magazine Lender of the Year (seven consecutive years), Best Mortgage Lender for First-Time Homebuyers by NerdWallet, multiple recognitions as a Best Mortgage Lender by NerdWallet, named to Fortune’s Best Mortgage Lenders (2025), Best Mortgage Lender of 2025 by Forbes, named among the Best Mortgage Lenders of 2025 by Motley Fool and recognized as the Most Recommended Mortgage Lender in America by Motley Fool / MarketWatch. Visit rate.com for more information.
About Compass International Holdings
Compass, Inc. (“Compass International Holdings”, “CIH” or the “Company”) (NYSE: COMP) is a global real estate services company with a presence in every major U.S. city and approximately 120 countries and territories. Compass International Holdings serves millions of buyers and sellers through a portfolio of some of the most recognized and iconic brands: @properties, Better Homes and Gardens® Real Estate, CENTURY 21®, Christie's International Real Estate, Coldwell Banker®, Compass, Corcoran®, ERA®, and Sotheby's International Realty®. Every day, we empower a global network of 300,000 real estate professionals and affiliate broker-owners to grow their businesses and deliver exceptional service to consumers.
The Company empowers real estate professionals to streamline operations and seamlessly guide clients through every phase of residential and commercial transactions, leveraging powerful tools, including its modern technology platform. Compass International Holdings brings together integrated services, including brokerage, franchise, mortgage, title, insurance, escrow, and relocation.
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