Rate, a leader in fintech mortgage solutions, welcomes Torrey Jacoby to Rate as Vice President of Mortgage, based in Houston. A top 1% originator both locally and nationally, Torrey brings more than a decade of experience and a track record of consistent production—closing over $62 million in 2024 alone. As Rate continues to grow in Texas and nationwide, Torrey’s customer-first approach and deep roots in the Houston market are a strong match for our fintech-powered, loan officer–driven model.
“I’ve always believed that customer service is the foundation of long-term success in this business,” said Jacoby. “That’s how you earn referrals for life. After seven great years at my previous company, I knew it was time to make a move to a platform built for top producers, with the tools and support to take things to the next level.”
Torrey began his mortgage career in Houston in 2011, shortly after graduating from Pepperdine University and moving from California. He has been a President’s Club winner for the past 10 years and has built his business on trust, responsiveness, and results. He lives in Houston with his wife, Victoria (Tori), and their two children, Hudson (5) and Georgie (2).
“Torrey represents exactly the kind of leadership and production mindset we value at Rate,” said Todd Heaton, EVP and Western Divisional Manager for Rate. “He’s a powerhouse originator who’s built his business on relationships and repeat referrals. We’re proud to have him on board.”
