# GUARANTEED RATE, INC.

> **Canonical URL:** https://saferate.com/lenders/guaranteed-rate


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GUARANTEED RATE, INC. is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 51,353 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300U3721PJGQZYY68
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.229%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,477
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 51,353
- **Dollar Volume:** $22.1 billion
- **Applications Received:** 78,982
- **Market Share:** 144.00%

## Typical Borrower Profile

- **Average Loan Amount:** $430,061
- **Average Borrower Income:** $176,793
- **Average Property Value:** $563,504

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 94/100 | 35,303 | +0.253% | $2,551 | Exceptional 🤩 |
| FHA | 92/100 | 8,355 | +0.555% | $3,316 | Exceptional 🤩 |
| VA | 92/100 | 5,201 | -0.504% | $851 | Exceptional 🤩 |
| Jumbo | 96/100 | 2,217 | +0.115% | $1,540 | Exceptional 🤩 |
| USDA | 91/100 | 277 | +0.311% | $2,851 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 31,594 loans, Score: 94/100 (Exceptional)
- Refinance: 3,709 loans, Score: 87/100 (Exceptional)

**FHA:**
- Purchase: 7,660 loans, Score: 92/100 (Exceptional)
- Refinance: 695 loans, Score: 86/100 (Exceptional)

**VA:**
- Purchase: 4,908 loans, Score: 92/100 (Exceptional)
- Refinance: 293 loans, Score: 86/100 (Exceptional)

**Jumbo:**
- Purchase: 1,824 loans, Score: 96/100 (Exceptional)
- Refinance: 393 loans, Score: 93/100 (Exceptional)

**USDA:**
- Purchase: 277 loans, Score: 91/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 94/100 | 46,263 | $19.6B | +0.252% | Exceptional 🤩 |
| Refinance | 89/100 | 5,090 | $2.5B | +0.070% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 7,686 | 6.16% | 100/100 |
| CA | 4,046 | 1.42% | 83/100 |
| MA | 3,777 | 6.26% | 95/100 |
| TX | 3,216 | 0.92% | 83/100 |
| NJ | 2,925 | 3.41% | 94/100 |
| FL | 2,579 | 0.88% | 79/100 |
| OH | 2,530 | 1.88% | 85/100 |
| PA | 2,353 | 1.94% | 88/100 |
| NC | 2,007 | 1.36% | 81/100 |
| GA | 1,526 | 1.11% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 5,815 | 100/100 |
| Non |  | 4,121 | 84/100 |
| Cambridge | MA | 1,876 | 96/100 |
| Philadelphia, PA | PA | 1,097 | 96/100 |
| Boston, MA | MA | 1,081 | 92/100 |
| Newark, NJ | NJ | 1,050 | 96/100 |
| New York | NY-NJ | 1,039 | 84/100 |
| Dallas | TX | 979 | 82/100 |
| Cincinnati, OH |  | 858 | 89/100 |
| Montgomery County | PA | 812 | 93/100 |
| Lakewood | NJ | 731 | 88/100 |
| Elgin, IL | IL | 689 | 100/100 |
| Arlington | VA-WV | 685 | 82/100 |
| Minneapolis | MN-WI | 634 | 76/100 |
| Atlanta | GA | 626 | 77/100 |

## Where This Lender Ranks

GUARANTEED RATE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Illinois for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Chicago for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in California for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Massachusetts for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Texas for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in New Jersey for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Florida for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Ohio for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Pennsylvania for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in North Carolina for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Cambridge for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Georgia for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Tennessee for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Tennessee for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Colorado for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Philadelphia, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Philadelphia, PA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Boston, MA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Newark, NJ for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does GUARANTEED RATE, INC. offer?

GUARANTEED RATE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GUARANTEED RATE, INC. offer mortgages?

GUARANTEED RATE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are GUARANTEED RATE, INC.'s mortgage rates?

GUARANTEED RATE, INC. has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.229% above market average.

### What type of lender is GUARANTEED RATE, INC.?

GUARANTEED RATE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is GUARANTEED RATE, INC.'s loan approval success rate?

GUARANTEED RATE, INC. has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guaranteed-rate

### How to Cite

> "GUARANTEED RATE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guaranteed-rate

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