Top Mortgage Originator Chris Planto Rejoins Rate, Transforming the Houston Market
On October 30, 2025, Rate, a prominent fintech firm, made an exciting announcement regarding the return of Chris Planto, one of the nation’s leading mortgage originators. Planto rejoined Rate as the Vice President of Mortgage Lending in the Houston market, bringing with him an impressive track record and a client-centered approach to mortgage lending. Recognized among the top 1% of mortgage originators in the country by Scotsman Guide, Planto's decision to return to Rate from CrossCountry Mortgage reflects the firm’s compelling sales culture and innovative environment.
Todd Heaton, the Executive Vice President and Divisional Manager for the Western U.S. at Rate, expressed enthusiasm about Planto’s return, noting that he is not just among the best originators but is also a genuinely wonderful person. Planto previously worked with Rate from 2019 to 2022, during which he was honored with Chairman’s Circle accolades for outstanding performance, exceptional client care, and significant mentorship contributions to newer team members.
Planto’s return highlights the collaborative spirit, coaching ethos, and advanced technology that characterize Rate, distinguishing the company within the competitive mortgage industry. On the decision to come back, Planto stated, "There’s nothing like the culture at Rate. It’s a place where top producers share ideas, learn from each other, and have the technology and support to deliver the best possible experience for clients. I’ve seen the incredible talent that’s joined Rate recently and the growth happening in the Houston market — it’s an exciting time to be back and part of this team. It feels like coming home."
Chris Kelso, the Senior Vice President and Regional Manager in Houston at Rate, echoed Planto's sentiments. He emphasized that Planto's re-entry into the team signifies the firm’s momentum during a period of considerable development in the Houston area. "He brings deep market knowledge, a relentless drive to help clients succeed, and the kind of leadership that inspires everyone around him," Kelso remarked. This level of expertise positions Rate for even greater achievements in the Houston marketplace.
Founded in 2000 and headquartered in Chicago, Rate Companies is recognized as a leader in mortgage lending and financial services, with over 850 branches across all 50 states and Washington, D.C. The firm has assisted more than two million homeowners through various financial products, including home purchase loans, refinances, and home equity loans. By leveraging cutting-edge technology, providing low rates, and delivering exceptional customer service, Rate has positioned itself as an industry leader. Recent accolades include being named a Best Mortgage Lender of 2025 by Fortune, Forbes, and NerdWallet, as well as receiving recognition from Chicago Agent Magazine as Lender of the Year for seven consecutive years.
Planto’s dedication and leadership are sure to play a vital role in further advancing Rate's reputation and outreach, particularly in the thriving Houston market. With a strong focus on client success and innovative practices, Rate remains committed to transforming the mortgage landscape, and Chris Planto will undoubtedly help drive those efforts forward as they continue to shape the future of mortgage lending.
Todd Heaton, the Executive Vice President and Divisional Manager for the Western U.S. at Rate, expressed enthusiasm about Planto’s return, noting that he is not just among the best originators but is also a genuinely wonderful person. Planto previously worked with Rate from 2019 to 2022, during which he was honored with Chairman’s Circle accolades for outstanding performance, exceptional client care, and significant mentorship contributions to newer team members.
Planto’s return highlights the collaborative spirit, coaching ethos, and advanced technology that characterize Rate, distinguishing the company within the competitive mortgage industry. On the decision to come back, Planto stated, "There’s nothing like the culture at Rate. It’s a place where top producers share ideas, learn from each other, and have the technology and support to deliver the best possible experience for clients. I’ve seen the incredible talent that’s joined Rate recently and the growth happening in the Houston market — it’s an exciting time to be back and part of this team. It feels like coming home."
Chris Kelso, the Senior Vice President and Regional Manager in Houston at Rate, echoed Planto's sentiments. He emphasized that Planto's re-entry into the team signifies the firm’s momentum during a period of considerable development in the Houston area. "He brings deep market knowledge, a relentless drive to help clients succeed, and the kind of leadership that inspires everyone around him," Kelso remarked. This level of expertise positions Rate for even greater achievements in the Houston marketplace.
Founded in 2000 and headquartered in Chicago, Rate Companies is recognized as a leader in mortgage lending and financial services, with over 850 branches across all 50 states and Washington, D.C. The firm has assisted more than two million homeowners through various financial products, including home purchase loans, refinances, and home equity loans. By leveraging cutting-edge technology, providing low rates, and delivering exceptional customer service, Rate has positioned itself as an industry leader. Recent accolades include being named a Best Mortgage Lender of 2025 by Fortune, Forbes, and NerdWallet, as well as receiving recognition from Chicago Agent Magazine as Lender of the Year for seven consecutive years.
Planto’s dedication and leadership are sure to play a vital role in further advancing Rate's reputation and outreach, particularly in the thriving Houston market. With a strong focus on client success and innovative practices, Rate remains committed to transforming the mortgage landscape, and Chris Planto will undoubtedly help drive those efforts forward as they continue to shape the future of mortgage lending.
Topics Financial Services & Investing）
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