Mortgage Lender Reviews & Ratings » Guaranteed Rate
Guaranteed Rate NMLS #2611
Key Facts
- LenderGuaranteed Rate
- NMLS # 2611
- Review sourceVerified FreeRateUpdate.com customers
- Last updated
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About Guaranteed Rate
Overview
Guaranteed Rate, Inc. is listed in NMLS records as a Delaware corporation with a primary office in Chicago, Illinois. The company NMLS ID is 2611.
Public materials reviewed show the company operating under several trade names, including Guaranteed Rate, Rate, rate.com, On Q Home Loans, Certainty Home Lending, Citywide Home Mortgage, and others. The website pages reviewed include language for buying a home, refinancing, applying, and several mortgage program examples.
Based on the available website information, the company’s public materials address homebuyers, refinancing borrowers, and borrowers looking at VA loan information. That is the factual map available here, without adding a brass band to the parade.
Business Type
According to NMLS records, Guaranteed Rate, Inc. is organized as a Corporation. The NMLS business structure field identifies the legal form of the company, but it does not, by itself, settle the consumer-facing question of broker versus direct lender.
The website materials reviewed include both buy and refinance language. One reviewed team page also lists conventional, FHA, and VA mortgage program examples.
Website Branding
Publicly listed website URLs in the evidence include www.guaranteedrate.com, www.rate.com, www.onqhomeloans.com, www.owning.com, www.certaintyhomelending.com, www.citywidehm.com, www.mosaicmtg.com, www.barakahmortgage.com, jenniferbeeston.com, locklearlendingteam.com, themoragroup.org, workshopmortgage.com/team.html, hhlnorthwest.com, marcdemetriou.com, tbdgmortgagefirm.com, and bencohenlends.com.
NMLS-listed trade names include Qualifi, Barakah Mortgage, Certainty Home Lending, Citywide Home Mortgage, Locklear Lending Team, On Q Home Loans, Owning, Rate, rate.com, Family Wealth Creation, Guaranteed Rate, HHL Group, Mosaic Mortgage Group, OnQ Home Loans, The Mora Group, Direct Funding, The Brandon Drew Group, GRLoans, Heroic Mortgage, Citywide, Rate Lending, On Q Residential Home Loans, Guaranteed Rate of Delaware, www.griwholesale.com, and www.guaranteedrate.com.
Headquarters
According to NMLS records, Guaranteed Rate, Inc. lists its primary address as 3940 N Ravenswood, Chicago, IL 60613, United States.
NMLS records list the company as formed in Delaware, United States. No address history was provided in the evidence reviewed.
Years in Operation
NMLS records list Guaranteed Rate, Inc. as formed on 11/09/1999. Counted by calendar year, that places the company at 27 years in operation in 2026.
Loan Types
The NMLS record reviewed for this profile does not provide a product menu. The company website evidence does provide examples of mortgage programs.
A reviewed Locklear Lending Team page lists Conventional Fixed 30 Yr., FHA Fixed 30 Yr., VA Fixed 30 Yr., and Conventional Fixed 15 Yr. as loan program examples. The reviewed website materials also include buy and refinance language, and a Jennifer Beeston page includes VA loan guidance.
Licensing Footprint
The NMLS Consumer Access page could not be fetched in the evidence reviewed, so the state list here comes from company website licensing disclosures.
Based on those website disclosures, Guaranteed Rate is listed in 46 jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY, and DC.
Scale
NMLS branch data in the evidence lists 1,174 branches for Guaranteed Rate, Inc.
Those branches are listed in 49 states: AK, AL, AR, AZ, CA, CO, CT, 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, WA, WI, WV, and WY. Loan officer counts were not provided in the evidence reviewed.
Reputation
A BBB search result reviewed for Guaranteed Rate in Chicago, IL showed an A+ rating and indicated that the business was not accredited. The BBB evidence was marked with medium confidence.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
According to NMLS records, Guaranteed Rate, Inc. has NMLS company ID 2611. Consumers can verify current license status through the NMLS Consumer Access website.
Disclaimer
This profile is for informational purposes only. Guaranteed Rate, Inc. is listed with NMLS ID 2611.
Licensing information is subject to change. Readers should verify current licensing and availability directly with the lender or through NMLS Consumer Access.
NMLS #2611 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is Guaranteed Rate's NMLS number?
Guaranteed Rate operates under NMLS #2611. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
Where can I read reviews of Guaranteed Rate?
Verified consumer ratings and reviews of Guaranteed Rate are published on this FreeRateUpdate.com lender profile page.