NMLS# 2611

Guaranteed Rate, Inc.

Lender Summary

Guaranteed Rate is one of the largest retail mortgage lenders in the United States. Headquartered in Chicago, the Company has approximately 210 offices across the U.S. and Washington, D.C., and is licensed in all 50 states. Since its founding in 2000, Guaranteed Rate has helped hundreds of thousands of homeowners with home purchase loans and refinances and funded nearly $19 billion in loans in 2017 alone. The Company has become the Home Purchase Experts® by introducing the world's first Digital Mortgage technology and offering low rate, low fee mortgages through an easy-to-understand process and unparalleled customer service. Guaranteed Rate won an American Business Award for its Digital Mortgage technology in 2016, ranked No. 1 in Scotsman Guide's Top Mortgage Lenders 2016, was chosen as Top Lender 2016 and 2017 by Chicago Agent magazine, made the Chicago Tribune's Top Workplaces list seven of the past eight years, and was named Best Overall Online Lender and Best Lender for FHA Refinance by NerdWallet in 2018. 

What they're saying

Ratings & Reviews
1355 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

Arbor Mortgage – Excellent Refinance Experience

I refinanced my mortgage with Arbor Mortgage in January 2013. I do not have any friends or family in the mortgage industry, so I was not tied to any one mortgage company when I began my refinancing search. I filled in my information at LendingTree and surprisingly, within ten minutes, I received a call from Mike Alkema, Senior Loan Officer at Arbor Mortgage.

Mike took a fair amount of my financial information and entered it into an online tool called “Mortgage Coach”. Within minutes, Mike then e-mailed me a link to my very own Mortgage Coach analysis web page ( Note that it was a secure site using a URL address prefixed “https”) . At the time, I was debating between a 15 year or 30 year re-fi. Mortgage Coach compared these different types of mortgages as well as my current mortgage and clearly showed monthly payments, interest payments, potential savings, and closing cost information for each mortgage product. All the information I needed to make my decision was right there in front of me. No needing to ask all the various financial questions from Mike or any other loan officers.

Arbor Mortgage claims a “Best Rate Guarantee”. I received about four other rate quotes from other mortgage companies via LendingTree. Arbor Mortgage initial rate quote was 0.125% higher than the lowest of my other rate quotes. Once I submitted proof of this lower rate quote, Arbor matched the lower rate no questions asked. Arbor easily honored their “Best Rate Guarantee”.

The Arbor Mortgage re-fi application process uses DocuSign. All the application documents needed for reviewing and signing are online ( Again using a secure web site ). No wasted paper, or delay time using normal mail service. After applying for our re-fi, all other documents needed by Arbor Mortgage was easily provided by uploading to Arbor Mortgage’s secure upload site. The whole application process proceeded smoothly and seamlessly.

Arbor committed to closing within 30 days. From the commitment date to the closing date, I closed on my re-fi in 21 days. Furthermore, this 21 day window occurred over the Christmas and New Years’ holidays. Clearly Arbor Mortgage and their financial partners do not slow down even for the holidays.

I asked my fair share of questions during the whole re-fi process. Each time, Mike was very prompt to answer, either by phone or email. Questions emailed in the evening were quickly and clearly answered the next morning, both before and after our closing. Even the support staff at Arbor Mortgage expertly handled my information and our loan with no issues.

Arbor Mortgage Summary :
Process: Excellent.
Speed: Excellent.
Knowledge: Excellent.
Reliability: Excellent.
Overall: Excellent.

I would highly recommend Arbor Mortgage and Mike Alkema to anyone considering a new mortgage or refinancing.

  • LendingTree Customer:


Refinance Experience

Arbor Mortgage was the first to repsond to our inquiry. We were impressed from the get go. Amy was our representative and she did everything that she claimed she could do. The quoted rate and closing cost were the losest of everyone that we looked at. Our first contact was 1/9/13 and we closed on 1/24/13. The competition
(a very well known name), swore that Arbor could not do what they claimed. We are proof that they can.

  • LendingTree Customer:


Excellent Lender

From the moment I got the response from Arbor it was an excellent experience working with them. Mallory was able to quickly get everything pulled together and offered the best rate available at the time on a 15 year fixed. Phone calls and emails were answered quickly and with very helpful answers. Everything went very smoothly. Of the various lenders I've worked with over the years, I would say that Arbor was the best and Mallory was the best loan officer I've ever worked with. While I was working with Arbor from a couple hundred miles away, there was a personal hometown feel to the experience.

  • LendingTree Customer:


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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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