Mortgages
Guaranteed Rate mortgages complaints
Consumers have filed 767 complaints about Guaranteed Rate's mortgages, 109 in the last 12 months (+88%). Guaranteed Rate answered 99.1% on time and closed 0% with relief. See the whole Guaranteed Rate record.
Guaranteed Rate against other mortgage lenders & servicers
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Shellpoint Mortgage Servicing | 3,741 | 81.4% | 0% |
| 2 | Rocket Mortgage | 3,572 | 99.9% | 0% |
| 3 | Freedom Mortgage | 1,701 | 99.4% | 0% |
| 4 | Ocwen Financial | 1,514 | 100% | 1% |
| 5 | Wells Fargo | 1,187 | 100% | 9% |
| 6 | PennyMac | 1,157 | 99.9% | 13% |
| 7 | Select Portfolio Servicing | 1,130 | 99.9% | 0% |
| 8 | Carrington Mortgage Services | 1,081 | 99.7% | 0% |
| 9 | Selene | 967 | 100% | 0% |
| 10 | LoanCare | 862 | 100% | 0% |
| 11 | Mr. Cooper | 757 | 100% | 0% |
| 12 | JPMorgan Chase | 734 | 100% | 2% |
| 13 | Guaranteed Rate | 109 | 99.1% | 0% |
Latest Guaranteed Rate mortgages complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 |
| Sep 24, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Sep 21, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | In progress |
| Sep 18, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Sep 17, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Sep 11, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Sep 2, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageFees or costs during the application process | Explained |
| Sep 1, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | Explained |
| Sep 1, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Sep 1, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Aug 28, 2026 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | Explained |
| Aug 25, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Aug 25, 2026 | Mortgages | Trouble during payment processPrivate mortgage insurance (PMI) | Explained |
| Aug 20, 2026 | Mortgages | Trouble during payment processPaying off the loan | Explained |
| Aug 13, 2026 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Aug 12, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Aug 11, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Jul 31, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Jul 29, 2026 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | Explained |
| Jul 27, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | Explained |
Your rights with mortgage lenders & servicers
Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.
Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.
General information, not legal advice; rules vary by state. Plain-English guides
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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