Rate, a leading fintech company, today announced that Adam Boyd will join the company as President of Consumer Lending. A veteran financial services executive with a track record of building and scaling top consumer lending businesses, Boyd will lead the growth of Rate’s consumer lending platform. This marks yet another significant step in Rate’s evolution beyond mortgage and into supporting overall financial, physical, and mental wellness.
Boyd brings more than 25 years of experience building and scaling consumer lending businesses. Most recently, he transformed Citizens’ home equity business into the largest originator in the United States and rebuilt its credit card platform from the ground up, launching a full suite of products, including a card recognized by Money.com as Best New Credit Card.
At Rate, Boyd will lead the expansion of the company’s consumer lending products and services beyond mortgage, building a broader consumer lending ecosystem to deliver a more connected, transparent, and technology-enabled experience for customers.
“Adam is a proven operator and a builder,” said Victor Ciardelli, CEO of Rate. “He has successfully done this at scale, taking businesses and turning them into market leaders by focusing on the customer and leveraging technology to best serve the customer. Adam is a critical hire for us and will play a key role in building a broader platform that serves our customers across more of their financial lives.”
Rate has already established itself as one of the top mortgage lenders in the country by investing early in technology and operating with a pace and level of execution that has consistently set it apart. As the company looks ahead, it is expanding its platform to meet a wider set of customer needs, with consumer lending playing a central role in that evolution.
Boyd’s appointment reflects Rate’s continued investment in building a more expansive, technology-driven financial and personal wellness platform. As consumer expectations shift toward more integrated, digital-first experiences, the company is extending its capabilities beyond mortgage into adjacent lending categories, with a focus on delivering a simpler, more connected, relevant experience across the customer’s financial journey.
“I’m joining Rate at an important moment in time,” said Boyd. “The company has already built a strong foundation in technology and execution, and there’s a real opportunity to expand beyond mortgage into a broader consumer lending platform. The industry is at an inflection point, and the companies that combine technology and data with a deep understanding of the customer will win. I’m excited to help build on what Rate has started and scale it into something much bigger.”
Boyd’s appointment reflects Rate’s broader vision of connecting financial and personal well-being, as the company builds a more integrated platform designed to support customers across every stage of their financial lives.
