Mortgage company · complaint record
Guaranteed Rate complaints
Filed under GUARANTEED RATE INC.
Consumers have filed 842 complaints about Guaranteed Rate since 2012, 118 of them in the last 12 months (+59% on the year before). It answered 99.2% on time and closed 0% with relief for the customer - less often than a typical mortgage company. The most common problem is trouble during payment process. It is the 36th most complained-about of 595 mortgage lenders & servicers this year.
Weak response record. How it works
- Complaints on record
- 842
- Last 12 months
- 118
- Answered on time
- 99.2%
- Closed with relief
- 0%
- Last 30 days
- 6
- Rank
- #36 of 595
Since February 2012
+59% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Oct 30, 2026
Most complained-about mortgage lenders & servicers
Guaranteed Rate complaints by month
The busiest month was April 2021 (23 complaints). Complaints in the last 12 months are up 59% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Guaranteed Rate answered last 12 months
- Closed with explanation11194.1%
- In progress75.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time41/4599.2% on time
- Relief for customers0/400% closed with relief
- Complaint trend4/15+59% vs last year
What Guaranteed Rate complaints are about
Top Guaranteed Rate problems last 12 months
Inside "Trouble during payment process"
- Escrow, taxes, or insurance 39
- Payment process 14
- Trying to communicate with the company to fix an issue while managing or servicing your loan 13
- Loan sold or transferred to another company 8
- Paying off the loan 3
- Private mortgage insurance (PMI) 1
Where Guaranteed Rate complaints come from
Most complaints: Illinois (123), California (111), Texas (70), Florida (63), Massachusetts (45).
Guaranteed Rate compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | AmeriSave MortgageMortgages | 65 | 156 | B |
| 2 | Idaho Housing And Finance AssociationMortgages | 45 | 155 | D |
| 3 | Figure TechnologiesMortgages | 45 | 139 | D |
| 4 | SN ServicingMortgages | 51 | 130 | C |
| 5 | Vanderbilt Mortgage & FinanceMortgages | 60 | 128 | C |
| 6 | Guaranteed RateMortgages | 45 | 118 | D |
| 7 | Data MortgageMortgages | 52 | 112 | C |
| 8 | Peer AdvisorsMortgages | 43 | 109 | D |
Compare side by side: Guaranteed Rate vs AmeriSave Mortgage · Guaranteed Rate vs Idaho Housing And Finance Association · Guaranteed Rate vs Figure Technologies · Guaranteed Rate vs SN Servicing
What people say about Guaranteed Rate
All experiencesNo experiences with Guaranteed Rate yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Guaranteed Rate complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 29, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 29, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Oct 25, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageChanges in loan terms during the application process | In progress |
| Oct 24, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Oct 21, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Oct 15, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageChanges in loan terms during the application process | In progress |
| Oct 14, 2026 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
| Oct 7, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | In progress |
| Sep 25, 2026 | Mortgages | Closing on a mortgageDelays with the closing process | Explained |
| Sep 25, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Sep 24, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
Questions about Guaranteed Rate
How many complaints does Guaranteed Rate have?
Guaranteed Rate has 842 complaints on record since February 2012, including 118 in the last 12 months and 6 in the last 30 days. That makes it number 435 of every company by complaints this year.
Does Guaranteed Rate respond to complaints?
Yes. Guaranteed Rate answered 99.2% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with Guaranteed Rate?
The most common problems are trouble during payment process (296), applying for a mortgage or refinancing an existing mortgage (179), closing on a mortgage (144).
Is Guaranteed Rate legit?
Guaranteed Rate is a real company with a public complaint record: consumers have complained about it 842 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Guaranteed Rate legit? for the signals, red flags and how to protect yourself.
Are complaints about Guaranteed Rate going up or down?
Up. There were 118 complaints in the last 12 months against 74 in the 12 before (+59%). See every month.
How do I file a complaint against Guaranteed Rate?
Complain to Guaranteed Rate in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Guaranteed Rate complaints come from?
Most come from Illinois (123), California (111), Texas (70). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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