Rate Executive and Leadership Team

July, 2026

Leadership Overview

Rate has 8 executives leading key functions including finance, operations, revenue, people, technology, consumer lending, furniture brands, and information technology.

Driven by a commitment to empowering homeowners, Rate provides comprehensive home purchase loans and refinances across the United States, solidifying its market presence through strategic leadership and a focus on customer success.

Leadership Roles at Rate

  • Chief Financial Officer - Beth Haagenson
  • Chief Operating Officer - Nikolaos Athanasiou
  • President, Consumer Lending - Adam Boyd
  • President (Furniture Brands) - Stefanie Lucas
  • President, S Club Information Technology - Norberto Leon
  • President - Shant Banosian
  • Chief Revenue Officer - Kasey Marty
  • Chief People Officer & Chief Technology Officer - Ramesh Sarukkai
  • Beth Haagenson - Chief Financial Officer

    Beth Haagenson, the Chief Financial Officer at Rate, directs all financial operations and strategic fiscal planning. This leadership role involves managing capital allocation, optimizing financial performance, and ensuring robust compliance with regulatory standards across the company's lending activities. Haagenson oversees budgeting, forecasting, and financial reporting, providing critical insights that guide executive decision-making. The Chief Financial Officer's responsibilities extend to managing investor relations and securing funding necessary for expansion initiatives. By meticulously analyzing market trends and economic indicators, Beth Haagenson drives financial strategies that support Rate's growth objectives and maintain fiscal integrity throughout its nationwide operations. This executive ensures the company's financial health and sustainability.

    Nikolaos Athanasiou - Chief Operating Officer

    Nikolaos Athanasiou, the Chief Operating Officer at Rate, orchestrates the company's day-to-day operational efficiency and strategic execution. This executive directs the seamless integration of all business processes, ensuring optimal performance across departments involved in home purchase loans and refinances. Athanasiou's purview includes enhancing operational workflows, implementing best practices, and driving continuous improvement initiatives to elevate customer experience and service delivery nationwide. The Chief Operating Officer collaborates closely with other C-suite leaders to align operational strategies with overarching business goals, focusing on scalability and resource optimization. By refining operational frameworks, Nikolaos Athanasiou ensures Rate maintains its competitive edge and delivers exceptional service to homeowners across the United States.
    Nikolaos Athanasiou

    Adam Boyd - President, Consumer Lending

    Adam Boyd, the President, Consumer Lending at Rate, leads the strategic direction and operational execution of the company's consumer lending division. This executive focuses on expanding the reach and effectiveness of home purchase loans and refinances throughout the United States. Boyd oversees the development of innovative lending products and services designed to meet diverse consumer needs, ensuring a competitive and accessible offering. The President, Consumer Lending collaborates with sales, marketing, and operations teams to drive growth, enhance customer satisfaction, and maintain regulatory compliance. By championing customer-centric strategies, Adam Boyd ensures Rate's consumer lending arm consistently delivers value and supports homeowners' financial goals.
    Adam Boyd

    Stefanie Lucas - President (Furniture Brands)

    Stefanie Lucas, the President (Furniture Brands) at Rate, directs the strategic initiatives and operational oversight for the company's furniture brands division. This leadership position involves driving growth, market penetration, and brand development within the furniture sector. Lucas focuses on optimizing product portfolios, enhancing supply chain efficiencies, and ensuring alignment with overall corporate objectives. The President (Furniture Brands) collaborates with cross-functional teams to foster innovation and maintain a competitive edge in the market. By implementing robust business strategies, Stefanie Lucas aims to elevate the performance and market presence of the furniture brands under Rate's umbrella.

    Norberto Leon - President, S Club Information Technology

    Norberto Leon, the President, S Club Information Technology at Rate, leads the strategic development and implementation of information technology solutions for the S Club division. This executive is responsible for overseeing all IT operations, infrastructure, and digital transformation initiatives within this specific business unit. Leon focuses on enhancing technological capabilities to support business objectives, ensuring system reliability, security, and scalability. The President, S Club Information Technology collaborates with divisional leadership to align technology roadmaps with strategic goals, driving innovation and operational efficiency. By leveraging advanced IT strategies, Norberto Leon ensures the S Club division remains technologically advanced and competitive.

    Shant Banosian - President

    Shant Banosian, the President at Rate, provides executive leadership and strategic direction across key business functions. This role involves guiding the company's overall growth trajectory and ensuring alignment with its core mission of assisting homeowners with purchase loans and refinances nationwide. Banosian collaborates with the executive team to identify market opportunities, drive innovation, and enhance operational excellence. The President focuses on fostering a culture of high performance and customer-centricity, ensuring Rate consistently delivers exceptional value. By championing strategic initiatives and overseeing critical business segments, Shant Banosian plays a vital role in Rate's continued success and market leadership.

    Kasey Marty - Chief Revenue Officer

    Kasey Marty, the Chief Revenue Officer at Rate, spearheads all revenue-generating activities and sales strategies. This executive directs the expansion of market share for home purchase loans and refinances across the United States, focusing on driving top-line growth. Marty oversees the sales organization, developing and implementing effective go-to-market plans and optimizing sales funnels to maximize conversion rates. The Chief Revenue Officer works cross-functionally to ensure sales efforts are aligned with product development and marketing initiatives, creating a cohesive approach to customer acquisition and retention. By identifying new revenue streams and enhancing existing ones, Kasey Marty plays a pivotal role in Rate's financial success and sustained market leadership.
    Kasey Marty

    Ramesh Sarukkai - Chief People Officer & Chief Technology Officer

    Ramesh Sarukkai, the Chief People Officer & Chief Technology Officer at Rate, drives both human capital strategy and technological innovation. This dual role involves cultivating a high-performance culture and overseeing the development and implementation of cutting-edge technology solutions that support Rate's mission in home purchase loans and refinances. Sarukkai directs talent acquisition, employee development, and organizational design, ensuring the company attracts and retains top talent nationwide. Concurrently, the Chief Technology Officer leads the IT infrastructure, digital platforms, and data analytics initiatives, enhancing operational capabilities and customer engagement. By integrating people and technology strategies, Ramesh Sarukkai ensures Rate remains agile, innovative, and well-equipped to meet the evolving needs of homeowners.
    Ramesh Sarukkai

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    Frequently Asked Questions Regarding Rate Top Executives and Leadership Team

    Who leads Rate?
    Rate is led by Beth Haagenson (Chief Financial Officer), along with executives such as Nikolaos Athanasiou (Chief Operating Officer) and Adam Boyd (President, Consumer Lending).
    Who is part of Rate’s executive team?
    The executive team of Rate includes leaders such as Beth Haagenson (Chief Financial Officer), Nikolaos Athanasiou (Chief Operating Officer), Adam Boyd (President, Consumer Lending) and other senior executives.
    How many executives does Rate have?
    Rate has 8 executives leading key business areas.
    What roles are included in Rate’s leadership team?
    The leadership team of Rate includes roles such as Chief Financial Officer, Chief Operating Officer, President, Consumer Lending, President (Furniture Brands), President, S Club Information Technology.