Working at Guaranteed Rate | Glassdoor

Guaranteed Rate Overview

Chicago, IL
1001 to 5000 employees
Company - Private
$100 to $500 million (USD) per year
Guaranteed Rate is the eighth largest retail mortgage lender in the U.S. The company has become The Home Purchase Experts™ by introducing the world's first Digital Mortgage and offering low rate, low fee mortgages through an easy-to-understand process ... Read more

Mission: To revolutionize Life’s Biggest Purchase® with the Guaranteed Rate Experience. We're fanatically committed to 1) Low-rate, low fee mortgages 2) a simple and easy to understand process, and 3) unparalleled customer service.

Company Updates

  • The grass really is greener at Guaranteed Rate. Learn how our marketing and tech changed the game for loan officer, Joe Parisi.

    Guaranteed Rate's Winning Formula

    The grass really is greener at Guaranteed Rate. Learn how our marketing and tech changed the game for loan officer, Joe Parisi.

  • Giving back to our communities is who we are. We collected over 132K pounds of food and personal care items at our annual nationwide Food Drive- SHATTERING our 75,000 pound goal! #GiveBackChallenge

    Guaranteed Food Drive 2018

    Giving back to our communities is who we are. We collected over 132K pounds of food and personal care items at our annual nationwide Food Drive- SHATTERING our 75,000 pound goal! #GiveBackChallenge

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Guaranteed Rate – Why Work For Us?


That's the culture we foster at Guaranteed Rate, and it has made us one of the best places to work in the country.

Matching our company vibe to the experience we want for our customers

It makes sense that happy employees will provide a better experience for customers. That’s why we work hard to ensure that our team’s daily experience in the workplace is positive and healthy.

Our super-cool headquarters in Chicago’s Ravenswood neighborhood features a scenic rooftop deck, an in-house gym, a trained chef, a masseuse and even a nurse practitioner. Take a tour!

Encouraging fresh ideas and fun!

We’re consistently recognized as a “Top Workplace” by the Chicago Tribune, Chicago Inno and other publications. Beyond our healthy environment, we promote an open and sharing culture that allows our team to rapidly surface new ideas that can improve not only the customer experience, but also how we work with one another. Our mutual respect drives the business forward but always leaves room for fun!

Committed to delivering Five-Star Service, every day, every way

We hire the best of the best across the board because smart people, committed to providing five-star service with every interaction, deliver the very best experience for our customers. And for those rare times when we fall short? We work doubly hard to make it right. It’s a devotion to excellence that shines through in everything we do.



Our online tools and technology deliver real-time, customized mortgage intelligence, quickly and easily.

The World’s First Digital Mortgage

When you’re buying a home, getting pre-approved is an essential first step to ensuring that you have the power to get the home you want. Our first-of-its-kind World's First Digital Mortgage delivers your approval in just minutes:

  • Provides your credit scores from all three leading credit bureaus…for FREE!
  • Allows you to digitally and securely upload all of your relevant financial documentation and sign your loan documents online, speeding the process and eliminating time-wasting faxes and phone calls.
  • Performs instant, automated underwriting of your loan from Freddie Mac or Fannie Mae, delivering a real approval within minutes.

Guaranteed Rate Mobile App

Our powerful Mobile App gives you the ability to find your perfect loan, anytime, anywhere in a 100% secure, digital environment from any handheld device.

Our technology team never sleeps

Okay, they do go home to their own beds most nights, but our tech team is the best in the business. They’ve devoted their lives to finding new and better ways to streamline the mortgage process and bring greater transparency and buying power to our customers. They’ve been disrupting the mortgage industry with breakthrough technology since our founding in 2000, and they’re not about to stop.

Making A Difference 

We’re grateful for our opportunities and our successes, both as a company and as individuals. We show that gratitude by giving back to the communities in which we live and work.


We’re committed to giving back to our communities
in numerous ways:

Guaranteed Rate Foundation was established with one simple objective in mind: Impact the lives of our employees, our partners and their families and communities in times of need, in meaningful and positive ways.

The Foundation is funded by Guaranteed Rate Inc., its employees and private sponsors. To ensure every dollar donated is allocated to those in need, Guaranteed Rate Inc. underwrites all of the Foundation’s operational expenses.

This means 100% of Foundation costs are covered by Guaranteed Rate so every penny donated goes toward helping those who need it most.

Guaranteed Impact Program, which honors teens and kids making a positive impact in their schools and communities. The Guaranteed Impact Program celebrates young people who are making a positive difference in their schools and communities. The program’s goal is to encourage and empower kids and teens who are working to improve the lives of those around them. 

#GiveBackChallenge is an opportunity for Guaranteed Rate employees to get involved with volunteering. Through volunteer days to clean up parks, beaches, and rivers or by collecting and donating food or clothes. In communities large and small across all 50 states, we’re deeply committed to making our world a more livable, sustainable and caring place.


We’re always looking for smart, hard-working, fearless and fun people who want to be part of our thriving company.

Lift Off Program

Guaranteed Rate, one of the largest independent retail mortgage lenders in the nation, is continuously growing. Liftoff loan origination training program is part of the expansion of Guaranteed Rate. The Liftoff program requires no previous mortgage industry experience and offers an instructional sales itinerary including industry guest lecturers and all certification exams required for loan originators. Liftoff graduates will originate loans for the Online Division from leads generated via the company’s digital marketing and advertising channels. 

Committed, caring and cool

Whether you’re a successful mortgage professional looking to advance your career or a sharp college grad looking to get started, we need to talk! We’ve grown from 15 employees in 2000 to nearly 3,000 employees across all 50 states today, and our success has been fueled by our people. We hire and train the best of the best and our customers reap the rewards.You’ll work with great people in cool offices who share a passion for putting the customer first and having fun in the process. 

If you think you'd be a good fit, take a look at our Current Job Openings! 

 These are the 10 Core Values that drive everything we do to serve you and contribute to our success.

What we live and breathe as team members and as a company

The work that we do every day demands attention to detail, seamless teamwork, a super-high level of responsiveness and a commitment to overcoming any obstacle to ensure that each customer is absolutely thrilled with their mortgage experience. We work as ONE to help you find the perfect mortgage. To keep us all completely aligned through the process, we developed the following 10 Core Values to guide our actions:


At Guaranteed Rate, a satisfied customer is one who would refer us to friends and family. We win the trust and the business of our customers through a genuine desire to serve them.


We built our company by focusing on the best of the best. We are very selective about who we work with, as high-performing individuals and organizations have a multiplying effect on results. We work hard to support and improve the relationships we have with our employees and partners.


At Guaranteed Rate, we strive for the industry-leading value proposition for our loan officers, our referral sources and our customers. We have a high standard for the quality of our work. When we do our jobs well, this business is easy — our loan officers are thrilled, our referral partners are happy and our customers keep coming back. We pride ourselves on excellent work!


We hold ourselves and others accountable for high-quality work and to meet the commitments we make. We admit our mistakes, seek transparency and embrace constructive conflict and criticism in order to learn and grow.


We work as though we own the company and we focus on the whole. We don’t say, “That’s not my job.” We have a commitment to sustainability and growth. We run this business as if it is a marathon, not a sprint, never sacrificing long-term health for short-term gains.


We spend on what matters to our customers and we limit the rest. Low rates can only be accomplished by being financially disciplined. Frugality is a constraint that forces us to be inventive and have a culture of self-sufficiency.


Quick delivery is important for our customers and our bottom line. We move fast and we limit risk. We make tough decisions without agonizing over them. We don’t give in to “analysis paralysis.” We strive to create an environment that fosters a strong bias to action. We work to reduce bureaucracy, formality and fear of failure.


Delivering results is best achieved by energetic and healthy individuals who love their jobs, have good relationships with co-workers and have balanced lives. Part of being a healthy and balanced individual is giving back and making a difference for others outside the company through charity.


We are bold in our ideas and we challenge the status quo. When confronted with a problem, we turn lemons into lemonade. When others are pessimistic and don’t see a way forward, we find a way to crush roadblocks.


We overcome obstacles, solve problems and produce results. We don’t spend time thinking about the past, lack of resources, external issues or other reasons why we can’t deliver. If those problems exist, we own them and find ways to grind it out and deliver.  

Guaranteed Rate Reviews

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Guaranteed Rate President and CEO Victor F. Ciardelli III
Victor F. Ciardelli III
671 Ratings
  • "Love working here"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Marketing
    Current Employee - Marketing
    Approves of CEO

    I have been working at Guaranteed Rate full-time


    Great company great people for hard working individuals


    turnover is a problem

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Guaranteed Rate Photos

Guaranteed Rate photo of: Rooftop Deck
Guaranteed Rate photo of: Guaranteed Rate's Lift off
Guaranteed Rate photo of: Open Floor Plan
Guaranteed Rate photo of: IT Department
Guaranteed Rate photo of: Beginning of Baseball Season
Guaranteed Rate photo of: Roof Top Parties
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Guaranteed Rate Interviews



Getting an Interview

Getting an Interview





    Junior Recruiter Interview

    Anonymous Employee in Chicago, IL
    Accepted Offer
    Positive Experience
    Average Interview


    I applied online. The process took 5 days. I interviewed at Guaranteed Rate (Chicago, IL) in June 2014.


    I put my application in and two days later received a call from a recruiter. Did a brief phone interview that asked questions about my interest and previous experience. She later set up an interview for me to speak with both the Recruiting manager and the Senior VP of Recruiting.

    Interview Questions

    • Simple questions: Where do you see yourself in 5 years? Why Guaranteed Rate? Any recruiting experience? Can you do the tasked asked of you?   Answer Question
See All 113 Interviews

Guaranteed Rate Awards & Accolades

  • Founder and CEO, Victor Ciardelli, honored with the “Entrepreneur of the Year” Award, Ernst & Young, 2012
  • Named one of “Chicago’s Top Workplaces” by the Chicago Tribune, Chicago Tribune, 2014
  • Included on the Crain‘s Chicago Business “Fast Fifty” List of Fastest Growing Companies(28), Crain's Chicago Business, 2012
  • Named a top private U.S. job creator by Inc. magazine’s “Hire Power Awards”, Inc. 500, 2013
  • Fastest Growing Private Companies in the U.S(3188), Inc.5000, 2015
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