CFPB · Single-product concentration
Guaranteed Rate Inc.
789 CFPB complaints · 91% in "Mortgage" · top issue Trouble during payment process.
Guaranteed Rate Inc.: 91% of 789 CFPB complaints sit in "Mortgage". Timely 99.5% · relief 3.8%. Allegations, not findings.
- Single-product concentration
- +562.5% filings 2012 to 2026
CFPB relief outcome brief
CCDB company guaranteed-rate-inc
3.8% relief · 99.5% timely · 789 filings · Mortgage
Same-product relief peers
Nearest relief peer: Chrysalis Holdings LLC (3.8% relief)
Guaranteed Rate Inc. closes 3.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Guaranteed Rate Inc.'s 789 filings include narrative text
60.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Guaranteed Rate Inc. complaint mix by product
- Mortgage 718 91.2% – 4% relief
- Credit reporting, 37 4.7% – 5% relief
- Credit reporting 16 2.0% – 0% relief
- Debt collection 9 1.1% – 0% relief
- Payday loan, 3 0.4% – 0% relief
- Credit card 2 0.3% – 0% relief
- Money transfer, 2 0.3% – 0% relief
How Guaranteed Rate Inc.'s 789 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 718 |
| Credit reporting, credit repair services, or other personal consumer reports | 37 |
| Credit reporting or other personal consumer reports | 16 |
| Debt collection | 9 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Credit card | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Debt or credit management | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for Guaranteed Rate Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 15.1% of this company's filings
Guaranteed Rate Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 53
- +562.5% vs 2012
Top States
| State | Complaints |
|---|---|
| IL | 119 |
| CA | 103 |
| TX | 68 |
| FL | 59 |
| MA | 43 |
| NJ | 41 |
| PA | 30 |
| GA | 29 |
| NC | 26 |
| CO | 24 |
| NY | 24 |
| AZ | 19 |
| VA | 16 |
| CT | 14 |
| MD | 14 |
| WA | 14 |
| NV | 14 |
| OH | 13 |
| MN | 12 |
| SC | 11 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 277 |
| Applying for a mortgage or refinancing an existing mortgage | 170 |
| Closing on a mortgage | 130 |
| Application, originator, mortgage broker | 49 |
| Struggling to pay mortgage | 37 |
| Improper use of your report | 36 |
| Incorrect information on your report | 17 |
| Loan servicing, payments, escrow account | 17 |
| Settlement process and costs | 16 |
| Credit decision / Underwriting | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 7 |
| Took or threatened to take negative or legal action | 4 |
| Loan modification,collection,foreclosure | 4 |
| Attempts to collect debt not owed | 3 |
| Getting the loan | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Money was not available when promised | 2 |
| Confusing or missing disclosures | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 8 | 100% |
| 2013 | 13 | 100% |
| 2014 | 19 | 100% |
| 2015 | 20 | 100% |
| 2016 | 26 | 100% |
| 2017 | 35 | 100% |
| 2018 | 27 | 100% |
| 2019 | 42 | 100% |
| 2020 | 85 | 95.3% |
| 2021 | 182 | 100% |
| 2022 | 96 | 100% |
| 2023 | 64 | 100% |
| 2024 | 47 | 100% |
| 2025 | 72 | 100% |
| 2026 | 53 | 100% |
Source: CFPB Consumer Complaint Database
Guaranteed Rate Inc. filings cluster in one product
Guaranteed Rate Inc.'s 789 logged complaints reach a nationwide footprint - 50 states have at least one filing. 60.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25.
Guaranteed Rate Inc. answers 99.5% of complaints inside the CFPB's tracked window and closes 95.7% with a written explanation. 3.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Guaranteed Rate Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Guaranteed Rate Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 789.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Guaranteed Rate Inc. (99.5% timely; 3.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration