CFPB Consumer Complaint Profile
Guaranteed Rate Inc.
Consumers have filed 759 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 759
- Total complaints
- Among the highest
- 77
- Last 12 months
- 99.1%
- Timely response
- Above median
- 49
- States affected
The verdict
Guaranteed Rate Inc. ranks #395 of 3,843 financial companies by CFPB complaint volume, with 759 complaints on record. It posts a 99.1% on-time response rate, the 62nd percentile among companies with 100+ complaints.
- #395
- of 3,843 companies by volume
- 99.1%
- on time (62nd pctile)
- Mortgage
- most-complained product
- 49
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Guaranteed Rate Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.1% Higher than most higher than 62% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 47 in 2024 to 72 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 8 |
| 2013 | 13 |
| 2014 | 19 |
| 2015 | 20 |
| 2016 | 26 |
| 2017 | 35 |
| 2018 | 27 |
| 2019 | 42 |
| 2020 | 85 |
| 2021 | 184 |
| 2022 | 97 |
| 2023 | 64 |
| 2024 | 47 |
| 2025 | 72 |
| 2026year in progress | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Guaranteed Rate Inc.
759 complaints against Guaranteed Rate Inc. appear in the CFPB record, including 77 from the trailing year. The 49 states and territories represented put this footprint in nationwide territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Trouble during payment process" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Guaranteed Rate Inc. posts a 99.1% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 24.5% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 4% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Guaranteed Rate Inc. have?
759 complaints have been filed against Guaranteed Rate Inc. with the CFPB overall - 77 of them in the past year.
Does Guaranteed Rate Inc. respond to complaints on time?
CFPB complaints against Guaranteed Rate Inc. draw a 99.1% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Guaranteed Rate Inc.?
Among all products tied to Guaranteed Rate Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Guaranteed Rate Inc.?
"Trouble during payment process" is the single most frequently cited issue in complaints against Guaranteed Rate Inc. - see all issues and counts above.
How do I file a complaint against Guaranteed Rate Inc.?
You can file a complaint against Guaranteed Rate Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Guaranteed Rate Inc.?
The CFPB has recorded complaints against Guaranteed Rate Inc. from 49 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Guaranteed Rate Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (24.5% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.