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
1340 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

tom's review

Heath did a nice job keeping me informed as it took a few weeks for me to settle on whether or not I should re-fi and what the best total cost overall was among my various options.

The rate is very good; you are very competitive. Closing costs were decent as well.

Once I committed to closing and the process got turned over to the processors, things slowed down. The handoff from securing my commitment to beginning the processing seemed clumsy (I think my original processor left Arbor in the middle of the process) but the new gal who eventually took over for her was very pleasant to deal with.

The sale of the mortgage by you to to GMAC was seamless to me - well done there.

In a nutshell, I would recommend your company.

  • LendingTree Customer:


sheryl review

Darla was very helpful and honest about the cost, the finanacing and continued to explain the loan process to me. Even called her after the loan went through and she was willing to give me further assistance.

  • LendingTree Customer:



Arbor was extremely fast and customer service oriented. I closed my loan in less than 3 weeks! The representative was prompt with returning emails and phone calls and answered all of my questions. Very well organized better than any other bank I have every done business with. Would definately use this company again.

  • LendingTree Customer:


Loan officer directory


Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:


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.

Guaranteed Rate, Inc.

Let's answer a few short questions and see what offers Guaranteed Rate, Inc. and other lenders may have for you.