Guaranteed Rate
Chicago, Illinois · HQ in Cook County · NMLS #2611
Guaranteed Rate, Inc. (NMLS #2611) is a national retail mortgage lender headquartered in Chicago, Illinois. It originates conventional and government loans across a multi-state network; Florida HMDA records show significant 2025 originations.
Public research signals
What we can show from re-checkable or attributed sources for this listing — not a grade, ranking, or approval odds.
- NMLS verifiedNMLS #2611 — re-confirm on NMLS Consumer Access before applying.
- Local HQ evidenceHQ locality derived from listed_county (Chicago)
- No attributed ratingNo volume-backed third-party rating on file
- CFPB complaint record availablePublic CFPB complaint context available — not a finding of fault
- HMDA activity availableMatched federal HMDA activity panel available on profile
Evidence chips are not rankings, approval odds, or a grade. Methodology
- NMLS / license status
- NMLS ID verified
- NMLS #2611 — re-confirm on NMLS Consumer Access before applying.
- Local market evidence
- Local market evidence · Cook County
- HQ locality derived from listed_county (Chicago)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement.
Optional: technical composite factors (not a public grade)
Internal composite for methodology transparency only. We do not present this as a ranking score on cards.
- NMLS identity evidence: 28/28 — NMLS #2611 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Cook County (listed_county)
- Loan type disclosure: 6/6 — 5 loan type(s) listed
Ask Trust Hub Standard · Common ownership · Separated research & listing order · No paid placements · Methodology
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #2611 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · California activity (primary of 49 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: Florida (7,938 originations) · New Jersey (5,136 originations) · New York (3,897 originations) · Massachusetts (3,551 originations) · Georgia (3,440 originations) · Texas (3,318 originations) · Illinois (2,889 originations) · Virginia (2,688 originations) · North Carolina (2,491 originations) · Maryland (2,255 originations) · South Carolina (2,119 originations) · Minnesota (2,085 originations) · Connecticut (2,061 originations) · Michigan (1,939 originations) · Tennessee (1,868 originations) · Washington (1,847 originations) · Pennsylvania (1,841 originations) · Wisconsin (1,417 originations) · Arizona (1,394 originations) · Oregon (1,065 originations) · Nevada (986 originations) · Colorado (965 originations) · Idaho (847 originations) · Iowa (814 originations) · Ohio (810 originations) · Kansas (740 originations) · Nebraska (661 originations) · Montana (577 originations) · New Mexico (564 originations) · Oklahoma (502 originations) · Hawaii (497 originations) · New Hampshire (483 originations) · Indiana (450 originations) · Rhode Island (432 originations) · Utah (401 originations) · Arkansas (384 originations) · West Virginia (339 originations) · Delaware (338 originations) · Alabama (320 originations) · Maine (283 originations) · District of Columbia (249 originations) · Louisiana (219 originations) · Alaska (200 originations) · South Dakota (198 originations) · Wyoming (143 originations) · North Dakota (123 originations) · Mississippi (98 originations) · Vermont (87 originations)
Top counties by originations
- Los Angeles County3,603
- Santa Clara County2,383
- Orange County1,917
- Alameda County1,345
- San Diego County1,246
Loan-type mix (California originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- Los Angeles County3,603 originations · 3.4% share
- Santa Clara County2,383 originations · 9.3% share
- Orange County1,917 originations · 4.2% share
- Alameda County1,345 originations · 6.1% share
- San Diego County1,246 originations · 2.4% share
- Contra Costa County951 originations · 4.8% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
729 yes · 4 no (CFPB field)
Top complaint issues
- Trouble during payment process283(38.6%)
- Applying for a mortgage or refinancing an existing mortgage171(23.3%)
- Closing on a mortgage134(18.3%)
- Application, originator, mortgage broker49(6.7%)
- Struggling to pay mortgage39(5.3%)
Company response (as published)
- Closed with explanation701(95.6%)
- Closed with monetary relief25(3.4%)
- In progress4(0.5%)
- Closed with non-monetary relief3(0.4%)
17.8complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (141) and Florida HMDA originations (7,938, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Matched to CFPB company name “GUARANTEED RATE INC.” (trailing period required).
CFPB company name(s): GUARANTEED RATE INC.
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 7,938.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker.