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Data / Consumer complaints / Guaranteed Rate Inc.

Guaranteed Rate Inc.: 227 CFPB consumer complaints in the last 3 years

Guaranteed Rate Inc. drew 227 consumer complaints in the CFPB database in the three years to November 6, 2026, and 838 since 2012. The largest group, 195, was about mortgage, and the most common issue was “Trouble during payment process” with 71. The company responded on time to 99.6% of the complaints, and 0.4% closed with monetary or other relief. The CFPB records the company as GUARANTEED RATE INC..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every mortgage companyGet mortgage in Illinois
  • 227Complaints, last 3 years
  • 838Complaints, all years
  • 99.6%Responded on time
  • 0.4%Closed with relief
  • 6Products
  • Oct 24, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6102
202572
202447
202364
202296
2021182
202085
201942
201827
201735
201626
201520
201419
201313
20128

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Mortgage19585.9%
Credit reporting or other personal consumer reports198.4%
Debt collection73.1%
Payday loan, title loan, personal loan, or advance loan31.3%
Credit card20.9%
Debt or credit management10.4%

Issues

IssueComplaintsShare
Trouble during payment process7131.3%
Applying for a mortgage or refinancing an existing mortgage5423.8%
Closing on a mortgage4921.6%
Struggling to pay mortgage167%
Improper use of your report135.7%
Incorrect information on your report94%
Took or threatened to take negative or legal action41.8%
Getting the loan31.3%
Attempts to collect debt not owed20.9%
Problem with a company's investigation into an existing problem20.9%
Confusing or missing disclosures10.4%
Getting a credit card10.4%
Problem with a company's investigation into an existing issue10.4%
Written notification about debt10.4%

How the company responded

Company responseComplaintsShare
Closed with explanation22197.4%
In progress52.2%
Closed with monetary relief10.4%

States

StateComplaintsShare
Illinois3013.2%
California2812.3%
Florida2310.1%
Texas198.4%
New Jersey114.8%
Pennsylvania114.8%
Georgia104.4%
New York94%
North Carolina83.5%
Nevada73.1%
Colorado62.6%
Massachusetts62.6%
Arizona52.2%
Maryland52.2%
Michigan52.2%
Ohio52.2%
Virginia52.2%
Wisconsin41.8%
Connecticut31.3%
Missouri31.3%
Washington31.3%
Alabama20.9%
Maine20.9%
Minnesota20.9%
Rhode Island20.9%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 24, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
October 21, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
October 15, 2026MortgageApplying for a mortgage or refinancing an existing mortgageIn progressconsumerfinance.gov
October 14, 2026MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov
October 7, 2026MortgageApplying for a mortgage or refinancing an existing mortgageIn progressconsumerfinance.gov
September 25, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
September 25, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
September 24, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
September 24, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
September 21, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
September 18, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
September 17, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
September 11, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
September 2, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
September 1, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
September 1, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
September 1, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
August 28, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
August 25, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
August 25, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
August 20, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
August 13, 2026MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov
August 12, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
August 11, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
July 31, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 29, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 27, 2026MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov
July 24, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 24, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 21, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
July 18, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 17, 2026MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov
July 16, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 15, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 13, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
July 13, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
July 11, 2026MortgageIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 10, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 8, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
July 8, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
July 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 2, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
June 29, 2026MortgageApplying for a mortgage or refinancing an existing mortgageClosed with explanationconsumerfinance.gov
June 29, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
June 26, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
June 25, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
June 25, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
June 25, 2026MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
June 23, 2026MortgageClosing on a mortgageClosed with explanationconsumerfinance.gov
June 19, 2026MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.