Former $85M NFM Lending Loan Officer Kelsey Marquardt Jumps to Rate After Brief Stint at Universal Lending

Scottsdale-based originator brings multi-state reach, real estate expertise, and strong referral partner reputation to Rate’s growing platform

Rate, a leading fintech company, announced that Kelsey Marquardt, a Scottsdale-based loan originator with more than $85 million in production, has joined the company after a brief three-month stint at Universal Lending. Marquardt, who previously built a strong production track record at NFM Lending, joins Rate as the company continues to attract high-performing loan officers looking for a stronger platform, broader product depth, competitive pricing, and technology built to help them grow.

Licensed in Arizona, California, Colorado, Florida, Oregon, Texas, and Washington, Marquardt brings a rare dual perspective to the mortgage process. An Arizona native and graduate of Arizona State University, she began her career as a real estate agent before transitioning into lending, giving her firsthand insight into the full homebuying transaction, not just the financing. That background has helped her become a trusted partner for borrowers and real estate professionals who need clear communication, practical problem-solving, and speed from pre-approval to close.

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“We’re very pleased to welcome Kelsey to Rate. She has built a strong reputation in Scottsdale through her consistent commitment to clients and partners,” said Todd Heaton, Divisional Manager at Rate. “Combined with Rate’s depth of products and a process designed to create a smoother experience, this is a strong fit for everyone involved.”

Marquardt’s move further demonstrates Rate’s growing momentum among experienced originators seeking the tools, products, and support to compete in any market. In an industry where loan officers are being asked to do more with less, Rate continues to invest in technology, pricing, and operational infrastructure designed to reduce friction and help originators spend more time with borrowers and referral partners.

“I’m proud to join Rate. The combination of loan programs, competitive pricing, and tools that simplify the process for clients and partners truly sets the company apart,” said Marquardt. “I’m looking forward to building on the momentum I’ve created and continuing to grow my business with the support and platform Rate provides.”

As she joins Rate, Marquardt will continue serving homebuyers, homeowners, and real estate partners across Scottsdale and her broader multi-state footprint.

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