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Victor Ciardelli


Founder & CEO

Victor Ciardelli is many things: loving father, generous philanthropist, innovative entrepreneur, driven business owner. A native of Hinsdale, IL, Victor is first and foremost a family man. He feels incredibly blessed to be the father of four amazing kids—Victor, Tristan, Chloe and Ava—and enjoys every moment with them and the family dog, a black German Shepherd named Bella.

Victor is extremely passionate about what he does and feels fortunate to be surrounded by so many fantastic friends and coworkers. He is very spiritual and leads an active, healthy lifestyle that includes meditation, workouts and bike rides. Victor also loves to travel and experience all the wonderful people, animals and natural beauty this planet has to offer.

A huge part of Victor’s heart is devoted to people in need. He strongly feels he has been put in a position to give back and help others. In 2012, Victor founded the Guaranteed Rate Foundation to touch the lives of employees, partners, friends and communities in positive, meaningful ways. From family tragedies to special needs children to disaster relief, the Foundation has assisted more than a thousand individuals across the country and distributed nearly $2 million in aid. Guaranteed Rate covers 100% of all expenses, meaning every penny donated to the Foundation goes to someone in desperate need.

Victor is also dedicated to creating a brighter future for his beloved hometown of Chicago. In 2017, Guaranteed Rate teamed up with Chicago Public Schools to create personalized learning environments in classrooms across the city. Victor named the program "Put the Kids First" and kicked off the initiative by donating $350,000 to modernize 10 CPS classrooms.

Victor is the founder and CEO of Guaranteed Rate, the largest independent retail mortgage company in the U.S. and a top 7 retail mortgage lender overall. Victor broke into the residential mortgage industry in 1992 at the age of 24, when he started his first company, Guaranteed Financial Mortgage Services, Inc. During his eight years at the helm, Victor saw a need—and an opportunity—for a faster, simpler, tech-based approach to home financing.

In June 2000, Victor founded Guaranteed Rate on the principles of low rates, groundbreaking technology, complete transparency, five-star customer service and a quick, easy mortgage process. His mission: deliver more value to customers than any bank or mortgage company in the country.

Under Victor’s leadership, Guaranteed Rate has enjoyed tremendous growth. Within its first three years, the company became Chicago’s largest independent mortgage lender. Over the last decade, Guaranteed Rate has thrived, quadrupling its employee count to more than 3,400 and increasing its revenue from $43 million in 2006 to over $778 million in 2016. During that same period, the company’s total funded volume increased by a whopping 660%. The company funded over $18 billion in 2015 and $23 billion in 2016. Guaranteed Rate currently operates in over 224 offices across the country and is licensed in all 50 states and Washington, DC.

In July 2015, Victor oversaw the launch of the World’s First Digital Mortgage. His vision for a better mortgage process led him to create the revolutionary online application, which delivers credit scores, automated underwriting and a real loan approval in less than 20 minutes. Guaranteed Rate’s Online Division follows up on applications submitted via the Digital Mortgage, helping the company capture a digital audience.

In August 2016, Victor spearheaded a 13-year naming rights agreement between Guaranteed Rate and the Chicago White Sox. The team’s home ballpark was renamed Guaranteed Rate Field, and Guaranteed Rate became the official mortgage and title company of the White Sox.

Victor’s unprecedented impact on the mortgage industry has not gone unnoticed. He won the Ernst & Young Entrepreneur of the Year award in 2012, was named “CEO of the Year” by Mortgage Executive Magazine in 2012 and 2013 and brought home CEO of the Year at the 2014 CityLights Awards, where he was the only finalist not from a traditional tech or software company. In addition, Victor has been named to MPA Magazine’s “Hot 100” list of the most influential people in the mortgage industry every year since 2013. Most recently, he was included in Crain Chicago Business’ 2017 list of “Who’s Who in Chicago Business.”

The company he leads continues to rack up the accolades as well. Guaranteed Rate was named one of the city’s “Coolest Companies of 2015” by Chicago Inno and awarded “Lender of the Year” by Chicago Agent magazine in 2016. The company was listed in HousingWire’s “Tech 100” in 2017 and has been included in the Chicago Tribune’s “Top Workplaces” for five years running. Guaranteed Rate has also been featured in Crain’s as one of the largest and fastest-growing privately-held companies in Chicago.

The most telling measure of Guaranteed Rate’s success: 52 loan officers included in the Scotsman Guide’s 2016 rankings—more than double the numbers of its closest competitor. This prestigious annual ranking of the top mortgage originators in the U.S. is the leading resource for loan officers nationwide. In 2016, 33 Guaranteed Rate loan officers funded over $100 million in total volume, while a staggering 212 loan officers funded at least $30 million.

Victor is also Chairman of Guaranteed Rate Affinity, a joint venture between Guaranteed Rate and Realogy, the largest full-service residential real estate services company in the country. Featuring around 1,000 employees and over $8 billion in 2016 volume, Realogy closes more than 25% of all homes sold in the U.S. and owns many of the biggest real estate brands in the world, including Coldwell Banker, Sotheby’s, Century 21, ERA and Better Homes and Gardens Real Estate. Guaranteed Rate owns a controlling 50.1% stake of Guaranteed Rate Affinity, while Realogy owns 49.9%.

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96% Customer Satisfaction Data Source: Guaranteed Rate’s Client Satisfaction Surveys 2018

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The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guarantee prior to an interest rate lock.