Tom Crate
VP of Mortgage Lending

Tom Crate proudly joins Guaranteed Rate as VP of Mortgage Lending & Market Growth for the Greater Los Angeles – Inland Empire Area.

Tom has over 16 years of residential lending experience to offer clients, recently achieving consecutive President's Club recognition. From first-time homebuyers to high-net-worth individuals, Tom has a profound familiarity with the mortgage industry and prides himself on working through the 'gray' areas of the lending process to offer clients various paths to homeownership. He credits his success to industry knowledge, perseverance, honesty, and a guiding principle of fairness.

Tom obtained his Accounting degree from the University System of Maryland, Frostburg State College, his hometown state, before moving to California. He holds a Master's degree in Business Administration from Loyola Marymount University, Los Angeles.

Tom values family. He is happily married to Paula, his wife, for 23 years. They have two wonderful sons, Patrick, a sophomore at UCSB, and Jameson, a junior at Rim of the World High School. Tom is highly involved with guiding & helping youths, serving as past president for both the Boys & Girls Club of the Mountain Communities and the Los Angeles Chapter for St. Jude Children's Research Hospital, along the way coaching youth soccer for 12 years.

In all facets of his life, Tom's long-standing philosophy is to create the most generous amount of good for others. He can be reached 24/7 on his mobile at 909-744-0455 or email tom.crate@rate.com.

Helpful tools and resources
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options
Home valuation logo
Home valuation
Market research logo
Market research

Recent reviews

What people are saying
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Today's rates

Loan typeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!