Our History

Growing From Our Roots

In 2000, Victor Ciardelli had grown weary of the traditional model of the mortgage business and wanted to find a new, more modern way to help home buyers land the home of their dreams. After sketching out his vision for a new way forward for the mortgage industry on a plain sheet of paper, Ciardelli founded Guaranteed Rate. Headquartered in Chicago, Guaranteed Rate’s streamlined, transparent process of providing home buyers with attractive loan options that best fit their needs at competitive prices and exceptional service.

The unique model of providing an easy-to-understand process for consumers, a technologically advanced platform and support for loan originators, and resources to help real estate professionals build their business proved to be an immediate hit, and helped Guaranteed Rate to become the top independent mortgage lender in Chicago within three years of the company’s inception.

With our founding principles as our guide, we’ve grown to become a nationwide company, providing loans in all 50 states and Washington D.C.

Today,Guaranteed Rate has helped hundreds of thousands of home owners find the loan that’s right for them, funding more than $80 billion in loans since the company started. And that’s just the beginning – we’re working every day to become the #1 mortgage lender in the U.S. and to develop the first fully digital mortgage, all to make it easier for home buyers to get into their dream home.

$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.