What loan types does Guaranteed Rate offer?

Guaranteed Rate offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Guaranteed Rate offer mortgages?

Guaranteed Rate is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Guaranteed Rate's mortgage rates?

Guaranteed Rate has an overall pricing score of 41/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Guaranteed Rate?

Guaranteed Rate is a Independent Mortgage Company headquartered in WILMINGTON, DE.

Unclaimed

Guaranteed Rate

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

Guaranteed Rate's 51.4k closed loans and 79k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Exceptional

5/5

National · 49 mkts

Awards

Champion

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Guaranteed Rate performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+22.9 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 10% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 10% of lenders

Jumbo

Exceptional

Top 5% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Exceptional

Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	35,303	68.7%	+0.253%Above	$2,551Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	8,355	16.3%	+0.555%Above	$3,316Fees
VA Loans	Exceptional	Exceptional	Strong	Strong	5,201	10.1%	-0.504%Below	$851Fees
Jumbo Loans	Strong	Exceptional	Strong	Strong	2,217	4.3%	+0.115%Above	$1,540Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	277	0.5%	+0.311%Above	$2,851Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume35,303

Mix68.7%

Spread

+0.253%Above

Fees

$2,551Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume8,355

Mix16.3%

Spread

+0.555%Above

Fees

$3,316Fees

VA Loans

Overall

Exceptional

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume5,201

Mix10.1%

Spread

-0.504%Below

Fees

$851Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume2,217

Mix4.3%

Spread

+0.115%Above

Fees

$1,540Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume277

Mix0.5%

Spread

+0.311%Above

Fees

$2,851Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	46,263	90.1%	+0.252%Above	$2,631Fees
Refinance	Strong	Exceptional	Sound	Sound	5,090	9.9%	+0.070%Above	$1,445Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume46,263

Mix90.1%

Spread

+0.252%Above

Fees

$2,631Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Sound

Volume5,090

Mix9.9%

Spread

+0.070%Above

Fees

$1,445Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

51,353

Applications

78,982

Volume

$22 billion

Pricing & Closing

Avg Rate Spread

+0.229%

vs. market APOR

Avg Net Fees

$2,477

Origination − Credits

Pullthrough Rate

65.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$430,061

Avg Borrower Income

$176,793

Avg Property Value

$563,504

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0

Chicago, ILMetro

Volume 5,815Mix 11.32% of portfolio

100/100

Exceptional

2© G LeTourneau · CC BY-SA 3.0

Elgin, ILMetro

Volume 689Mix 1.34% of portfolio

100/100

Exceptional

3© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0

Lake County, ILMetro

Volume 451Mix 0.88% of portfolio

99/100

Exceptional

Lake County, INMetro

Volume 519Mix 1.01% of portfolio

97/100

Exceptional

Philadelphia, PAMetro

Volume 1,097Mix 2.14% of portfolio

96/100

Exceptional

Cambridge, MAMetro

Volume 1,876Mix 3.65% of portfolio

96/100

Exceptional

San Luis Obispo, CAMetro

Volume 282Mix 0.55% of portfolio

96/100

Exceptional

Newark, NJMetro

Volume 1,050Mix 2.04% of portfolio

96/100

Exceptional

Worcester, MAMetro

Volume 430Mix 0.84% of portfolio

95/100

Exceptional

Montgomery County, PAMetro

Volume 812Mix 1.58% of portfolio

93/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

IllinoisState

Volume 7,686Mix 14.97% of portfolio

100/100

Exceptional

MassachusettsState

Volume 3,777Mix 7.35% of portfolio

95/100

Exceptional

New JerseyState

Volume 2,925Mix 5.70% of portfolio

94/100

Exceptional

PennsylvaniaState

Volume 2,353Mix 4.58% of portfolio

88/100

Exceptional

HawaiiState

Volume 368Mix 0.72% of portfolio

86/100

Exceptional

OhioState

Volume 2,530Mix 4.93% of portfolio

85/100

Exceptional

TexasState

Volume 3,216Mix 6.26% of portfolio

83/100

Exceptional

CaliforniaState

Volume 4,046Mix 7.88% of portfolio

83/100

Exceptional

TennesseeState

Volume 1,333Mix 2.60% of portfolio

83/100

Exceptional

NevadaState

Volume 665Mix 1.29% of portfolio

83/100

Exceptional

Showing 10 of 51 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.