Guaranteed Rate NMLS #2611
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Who is Guaranteed Rate?
Guaranteed Rate (NMLS #2611) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerGuaranteed Rate
- NMLS #2611
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- Filed asGUARANTEED RATE, INC.
- 2025 home loan decisionsOf 79,892 applications decided by GUARANTEED RATE, INC. in 2025, 70,579 were originated, 2,003 were approved but not accepted by the borrower, and 7,310 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 90.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 34,954 applications were withdrawn by the borrower, 14,260 were closed for incompleteness, and 23,244 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.211 percentage points above the average prime offer rate (reported on 64,514 originations, 6,065 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$6,339.58 — originated closed-end household loans, 2025, 54,486 of 60,930 loans. FFIEC HMDA data browser.
- Median origination charges$1,640.00 — originated closed-end household loans, 2025, 60,784 of 60,930 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types52,820 Conventional, 10,677 FHA, 6,768 VA, 314 USDA — of 70,579 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for GUARANTEED RATE, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Guaranteed Rate
Overview
Guaranteed Rate is a mortgage lender that works with borrowers buying a home or refinancing an existing mortgage. Its home financing information includes loans for primary residences, second homes, vacation homes, and investment properties.
Mortgage options
Guaranteed Rate’s mortgage options include conventional and conforming loans, jumbo loans, portfolio loans, government loans, VA loans, FHA loans, and non-QM products. The company also lists fixed-rate conventional programs with 15- and 30-year terms, along with fixed-rate FHA and VA programs with 30-year terms.
Locations
Guaranteed Rate has 1,179 branch locations in 49 states.
Company details and licensing
The legal entity is Guaranteed Rate, Inc., a corporation formed in Delaware, United States, on November 9, 1999. Its headquarters are at 3940 N Ravenswood in Chicago, Illinois, and its NMLS company ID is 2611.
Supported trade names include Rate, On Q Home Loans, and Certainty Home Lending. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #2611 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS Consumer Access, looked up rather than cited from a dated record. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Guaranteed Rate's NMLS number?
Guaranteed Rate's NMLS number is 2611. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Guaranteed Rate's NMLS ID?
Yes. We checked Guaranteed Rate's company name and NMLS ID against the NMLS record on December 30, 2025. They've been in our lender network since January 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Guaranteed Rate?
This page has Guaranteed Rate's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.