Buying a home is a big deal.

We treat it that way.

About Guaranteed Rate

Guaranteed Rate, The Home Purchase Experts℠, is one of the 10 largest home loan companies in the U.S. We have approximately 170 offices and nearly 2,700 employees ready to serve our customers in person, online or by phone. With turnaround times in as little as two weeks, customized loan products to fit almost every need and a 96 percent customer satisfaction rating, we’ve helped home owners with funding for more than $15.9 billion in loans in 2013 alone.

We are Revolutionizing Life’s Biggest Purchase® with the Guaranteed Rate Experience:

  1. Low-rate, low fee mortgages: We shop around so you don't have to. Check out how our rates compare to the other guys'.
  2. A simple, easy-to-understand process: We pride ourselves on having a transparent process and we'll walk you through it every step of the way - from start to finish and everything in between.
  3. Unparalleled customer service: We've got a 77 percent Net Promoter® Score, crushing the 18 percent banking industry average, and one of the highest of any company in any industry. Read why our customers have given us a 96 percent satisfaction rating.

Growing From Our Roots

Headquartered in Chicago, Guaranteed Rate was founded in 2000 by Victor Ciardelli with the vision of providing home buyers with attractive loan options that best fit their needs at competitive prices and exceptional service. This model has helped us to increase loan volume every year since our inception, while growing to become a nationwide company.

  • Named America’s No. 1 mortgage company by Mortgage Executive Magazine, 2012
  • Second largest independent home loan company in the U.S.
  • One of the ten largest mortgage retail lenders in the U.S.
$15.9 Billion in Loans in 2013
  • Provides loans in all 50 states and Washington, D.C.
  • Funded more than $65 billion in loans for hundreds of thousands of home owners since 2000

Our Home Purchase Experts

Guaranteed Rate employs the most talented and knowledgeable people in the mortgage industry. More top 300 loan originators, as ranked by Scotsman Guide, work here than at any other company. We also boast more loan originators in the top 1 percent nationally than any other lending institution, according to Mortgage Executive Magazine.

We hire only the best in all areas of our business, including customer support and technology. With the expertise of our rapidly-expanding tech group, we’re seamlessly offering the most efficient way for home buyers to get a loan online.

We Treat Customers How We're Treated

How do we carry one of the industry's highest customer service ratings? We treat our customers how we are treated. We firmly believe in having a company culture that emphasizes successful career development combined with individual wellness. The Guaranteed Rate team can enjoy:

  • Creative work spaces designed to facilitate collaboration
  • Robust, industry-leading training programs, anchored by Guaranteed Rate University
  • A fully-developed wellness program, which includes an on-site gym with weights, machines and classes; access to a certified personal trainer; and our Biggest Loser Challenge, which rewards employees for getting into shape
  • Healthful meal options prepared by a professionally-trained on-site chef
  • Free monthly massages from a certified massage therapist
  • Free turkeys and pies for every employee of the company around the winter holidays

Additionally, we established the Guaranteed Rate Foundation, a 501 (c) (3) not-for-profit organization, to help employees and their families in times of hardship.

Working Hard and Having Fun

If you missed any of Guaranteed Rate’s festivities, have no fear, check out the latest photos from some fun events and activities. Enjoy!

What People Are Saying About Us

We strive to offer the best loan products for our customers with exceptional customer service, and we thrive on feedback. Take a look at what people are saying about us.

  • 96 percent customer satisfaction rating
  • 77 percent Net Promoter® score, one of the highest of any company in any industry and far surpassing the banking industry average of 18 percent
  • Better Business Bureau A+ Rating
  • Named the No. 1 Mortgage Company in America
  • More top 1 percent loan originators than any other mortgage company
  • Named a top private U.S. job creator by Inc. magazine
  • Recognized as one of the most successful private companies in the country for the fifth consecutive year by Inc. magazine
  • Included on the Crain's Chicago Business "Fast Fifty" list of fastest growing companies for seven consecutive years
  • Founder and CEO, Victor Ciardelli, honored with the prestigious Ernst & Young Entrepreneur of the Year Award
  • Online Loan application named Best Corporate Digital Innovation in Chicago in 2013
  • Named as one of Chicago's Top Workplaces by the Chicago Tribune three times in the past four years
BBB A+ Rating
Orgination News
Hire Power Award CEC Hire Power Award
Footer Icons 2 Chicago Innovation AwardsFinalist 2013 EOY_2012_Award_Winner
CECMomentum Award Finalist 2013 Tribune Top Workplaces 2013

Getting Started

Net Promoter

Developed by Fred Reichheld, Bain & Company and Satmetrix, Net Promoter® score is a widely-used metric to track customer satisfaction. To determine our NPS, we ask all of our customers a series of five questions, one of which is, “How likely are you to recommend Guaranteed Rate to a friend or colleague?” Based on the responses, we are able to determine our NPS. The highest NPS in 2011 was 87 percent.

$14.7 Billion in Loans in 2012

Guaranteed Rate has increased loan volume every year since our inception,
while growing to become a nationwide company.