Established 1999
radius changed more than just the mortgage business since its founding in 1999. We became one of the leading mortgage lenders in New England through customer obsessed curiosity. We created a new corporate culture that prioritized team inspired people. Today’s result: countless purpose-filled careers and profits reinvested in our communities.
Employee Demographics
196 Employees
17 Eastern Seaboard Offices
54% Female + 43% Male
33% Female Executives
9% Minorities/LGBT/Disabled
4% Military/Veterans
Sarah Valentini, Co-Founder
There's no doubt that leading one of the area’s top woman-led businesses is ambitious. But what truly drives Sarah is not a plaque on the wall or reaching the top of the corporate ladder. It’s meeting others’ needs.
As a child, she watched her mother use entrepreneurship as outreach. Whether the need was employment, friendship or a good example, she saw how owning your own business could be used to meet it.
Today, she has created a person-centric culture which embodies her vision of what mortgage lending should be.
Keith Polaski, Co-Founder
Drawing from his military background, it was Keith who established the radius’ standard-shattering processing and underwriting goals by collaborating with a seasoned operations team to create a proprietary and data-empowered workflow, rather than following the laissez-faire approach of most lending institutions.
In Keith’s view, radius should set such a high standard that employees of any industry are drawn to the workplace culture and the high service level so that competitors are compelled to improve their own.
Our Vision: Strategic Action Items
1.25B of Funded Loan Volume in 2021
Scaling Operational Plan
Geographical / New Markets Prioritization
Florida Market Entry and Growth
Non-Florida Growth
Training and Learning Management System
LO Accountability and Development
New Channels
Consumer Direct
Strong people development: Protect & promote our culture during high growth & change
Leadership & People Development
Change Management
Communication Plan
Cultural Accountability
Above peer revenue and profit margins
Financial Growth Forecasting
Product Mix Evaluation
Pricing Policies
Loan Level Profitability
Operational Efficiency
Loan Officer Assistant Efficiency
Loan Officer Compensation
Alignment of Compensation to Vision
Diversify our business lines and minimize enterprise risk
Servicing Revisit
FinTech and Fulfillment Revisit
Real Estate Holdings Revisit
Title Company Revisit
Core Values
Team Inspired. To give the ability to encourage others to deliver their very best. We genuinely support each other.
Customer Obsessed. To deliver the best experience possible. Customers are our business.
Results Driven. To be inspired or motivated by something. Find your drive and master it.
Character Matters. To have integrity and exhibit it in everything you do. Set your bar high.
Kinda Curious. To have the passion to learn something new. Better has no finish line.
Our Industry
IMB: Independent Mortgage Banks
Since the 1870’s, independent mortgage banks (IMBs) have played a vitally important role in the U.S. housing finance market. Early mortgage banking helped finance the country’s agricultural expansion into the Midwest, and later helped to fund the nationwide shift to single-family housing as new urban markets sprouted farther west in the 1900’s. Put simply, mortgage banking connects those with local market knowledge, and loan origination and servicing skills, with those who have investment capital to fund home mortgages. It is as true today as it was in 1900.
Impactful Insight
Independent mortgage banks have played an important role in both our past and present housing finance systems. Over the past decade, IMBs have become the primary source of mortgage credit for the most critical sectors of the housing market - first-time home buyers, working families and minority households. We measured against the bank market share in 2010 - cyclical peak - the growth in IMB share sparks alarm in some quarters, but a longer-term perspective demonstrates that these market share shifts are not uncommon and are driven by a number of complex factors.
Importantly, regulatory arbitrage is not a primary driver here, as the post-crisis regulatory regime for IMBs has become quite robust, a process that began in the states even before the crisis in 2008. As policymakers assess the state of the housing finance system, they should avoid steps designed to “force” market share away from IMBs. Instead, the Mortgage Bankers Association (MBA) urges a focus on measures that will make the origination and servicing of mortgages an attractive and stable market for any lender - bank or non-bank - that wants to devote investment capital to supporting sustainable homeownership.
Read more about a number of such recommendations herein.
radius Report
Better Has No Finish Line.
As we celebrate 20 years of making mortgages better, we look forward to improving access to home financing for all homebuyers by embracing cutting-edge technology that maximizes efficiency, convenience and speed, while never sacrificing the personal touch that sets us apart and delivers on our vision statement.
Launched January 2019: radius insurance group inc.
As part of our vision to diversify business lines and minimize enterprise risk, radius insurance group was launched in January 2019.
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