Licensing

Guaranteed Rate, Inc Disclosures and License Information

Owning Disclosures and License Information

Consumer Lending Licensing Information

Guaranteed Rate, Inc. Disclosures and License Information

Guaranteed Rate, Inc. is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Guaranteed Rate will never be discouraged on on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor

Additional Guaranteed Rate, Inc Disclosure Requirements

Guaranteed Rate, Inc. is a licensed mortgage lender. Some states require specific licensing information, which is found below.

  • Guaranteed Rate, Inc - NMLS ID 2611
  • Arkansas: Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283
  • Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road Suite 101 Scottsdale, AZ 85254, Mortgage Banker License #0907078
  • California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
  • Colorado: Regulated by the Division of Real Estate
  • Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436
  • Georgia: Residential Mortgage Licensee #20973 - 3940 N Ravenswood Ave, Chicago, IL 60613
  • Illinois:
    • STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

    • The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

    • Illinois Department of Financial and Professional Regulation
      Division of Banking
      555 W. Monroe St.
      Suite 500
      Chicago, Illinois 60601
      (888) 473-4858
      License #: MB.0005932

  • Kansas: Licensed Mortgage Company - Guaranteed Rate, Inc – License MC.0001530
  • Massachusetts: Guaranteed Rate, Inc - Mortgage Lender & Mortgage Broker License MC2611
  • Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance
  • New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance
  • New Hampshire: Guaranteed Rate, Inc., licensed by the New Hampshire Banking Department
  • New York: Licensed Mortgage Banker - NYS Department of Financial Services, 750 Lexington Ave. Suite 2010, New York, New York 10022 – Operating as Guaranteed Rate, Inc. in New York
  • Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities
  • Rhode Island: Rhode Island Licensed Lender and Loan Broker
  • Texas: For Texas Consumers Only:
    • CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
    • THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
  • Virginia: Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769

States in which we do business, and license numbers:

STATE
LICENSE #
Alabama
21566
Alaska
AK2611
Alaska OTN #1
AK2611-1
Arizona
0907078
Arkansas
103947
California
413 0699
Colorado UCCC
SUP-4000696
Colorado DRE
LICENSED
Connecticut
ML-2611
Delaware
9436
District of Columbia
MLB2611
Florida
MLD1102
Georgia
20973
Hawaii
HI-2611
Idaho
MBL-5827
Illinois
MB.0005932
Indiana
11060
Iowa
2005-0132
Kansas
MC.0001530
Kentucky
MC20335
Louisiana
2866
Maine
SLM11302
Maryland
2611
Massachusetts
MC2611
Michigan 1st Mortgage
FR0024251
Michigan 2nd Mortgage
SR0018847
Minnesota
MN-MO-20526478
Minnesota OTN #1
MN-MO-2611.1
Mississippi
2611
Missouri
2611
Montana
2611
Nebraska
1811
Nevada Mortgage Company
3161
New Hampshire
13931-MB
New Jersey
LICENSED
New Mexico
01995
New York
LMBC 106624
North Carolina
L-109803
North Dakota
MB101818
Ohio GLL Registration
GL.501367.000
Ohio RMLA Registration
RM.804160.000
Oklahoma
ML002651
Oklahoma OTN
ML011639
Oregon
ML-3836
Pennsylvania
20371
Rhode Island Licensed Lender
20102682LL
Rhode Island Licensed Broker
20102681LB
South Carolina
MLS - 2611
South Dakota
2611.ML
Tennessee
109179
Texas SML Banker
Licensed
Texas OCCC
47207
Utah
7495184
Utah OTN
10626308
Vermont Lender
6100
Vermont Lender OTN #1
7148
Vermont Broker
0930 MB
Vermont Broker OTN #1
1406 MB
Virginia
MC-3769
Washington
CL-2611
West Virginia Lender
ML-30469
West Virginia Broker
MB-30098
Wisconsin Banker
27394BA
Wisconsin Broker
2611BR
Wyoming
4507
Wyoming Consumer Lender
CL - 4491

Guaranteed Rate, Inc. d/b/a Owning Disclosures and License Information

Guaranteed Rate, Inc. d/b/a Owning is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Owning will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor

Additional Owning Disclosure Requirements

Guaranteed Rate, Inc, d/b/a Owning is a licensed mortgage lender. Some states require specific licensing information, which is found below.

  • Owning is a division of Guaranteed Rate, Inc - NMLS ID 2611
  • Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road, Suite 101, Scottsdale, Arizona 85254; Mortgage Banker License #907078
  • Arkansas: Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283
  • California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
  • Colorado: Regulated by the Division of Real Estate
  • Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436
  • Georgia: Residential Mortgage Licensee #20973 - 3940 N Ravenswood Ave, Chicago, IL 60613
  • Illinois
    • STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

    • The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

    • Illinois Department of Financial and Professional Regulation
      Division of Banking
      555 W. Monroe St.
      Suite 500
      Chicago, Illinois 60601
      (888) 473-4858
      License #: MB.0005932

  • Kansas: Licensed Mortgage Company - Guaranteed Rate, Inc – License MC.0001530
  • Massachusetts: Guaranteed Rate, Inc - Mortgage Lender & Mortgage Broker License MC2611
  • Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance
  • New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance
  • New Hampshire: Guaranteed Rate, Inc., licensed by the New Hampshire Banking Department
  • Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities
  • Texas: For Texas Consumers Only:
    • CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
    • THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT SML.TEXAS.GOV.
    • Source: https://texreg.sos.state.tx.us/fids/201203137-2.pdf
  • Virginia: Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769
STATE
LICENSE #
Alabama
21566
Arizona
0907078
Arkansas
103947
California
4130699
Connecticut
ML-2611
Delaware
9436
District of Columbia
MLB2611
Florida
MLD1102
Georgia
20973
Hawaii
HI-2611
Idaho
MBL-5827
Illinois
MB.0005932
Iowa OTN #2
2021-0126
Indiana
11060
Kansas
MC.0001530
Louisiana
2866
Maine
SLM11302
Maryland
2611
Massachusetts OTN #1
MC2611
Michigan 1st Mortgage
FR0024251
Michigan 2nd Mortgage
SR0018847
Minnesota OTN #2
MN-MO-2611.2
Mississippi
2611
Missouri
2611
Nebraska OTN #2
Licensed
New Hampshire
13931-MB
New Jersey
Licensed
New Mexico
01995
North Carolina
L-109803
North Dakota
MB101818
Ohio
RM.804160.000
Oklahoma OTN #2
ML013879
Oregon
ML-3836
Pennsylvania
20371
South Carolina OTN #3
MLS - 2611 OTN #3
South Dakota
2611.ML
Tennessee
109179
Texas SML Banker
Licensed
Virginia
MC-3769
Washington
CL-2611
West Virginia
ML-30469
Wisconsin Banker
27394BA
Wisconsin Broker
2611BR
Wyoming
4507

States in which we do business, and license numbers

Consumer Lending Licenses

Guaranteed Rate, Inc., holds consumer lending licenses in the following states:

STATE
License Number
License Type
Alabama
21566
Consumer Credit License
Arizona
1038877
Consumer Lender License
California
60DBO-147922
Financing Law License
Colorado
SUP-4000696
Supervised Lender License
Connecticut
SLC-2611
Small Loan Company License
Delaware
9436
Lender License
District of Columbia
ML2611
Money Lender License
Idaho
RRL-10940
Regulated Lender License
Illinois
CI.4816-H
Consumer Installment Loan License
Indiana
62505
Consumer Loan License
Iowa
Consumer Credit Notification
Iowa
88893612
Master Loan Company Registration
Kansas
NOT.0027081
Consumer Credit Notification Filer
Kansas
SL.0026876
Supervised Loan License
Kentucky
CL795301
Consumer Loan Company
Louisiana
Licensed Lender Main Office (In-State and Out-Of-State with Lending Activity)
Maryland
2611
Consumer Loan License
Maine
OCR15789
General Creditor Consumer Credit Grantor Notification Filer
Michigan
RL0024250
Regulatory Loan License
Minnesota
MN-RL-2611
Regulated Loan Company License
Missouri
367-22-9145

510-22-9137
Consumer Credit Loan Company License

Consumer Installment Lender Company Registration
Montana
2611
Consumer Loan License
New Hampshire
24936-SM
New Hampshire Small Loan Lender License
New Jersey
2205187
Consumer Loan License
North Dakota
MB101818
Money Broker License
Ohio
GL.501367.000
General Loan Law Certificate of Registration
Oklahoma
88968
Consumer Credit Notification
Oklahoma
SL008857
Supervised Lender License
Oregon
2611
Consumer Finance License
Pennsylvania
100411
Consumer Discount Company
Rhode Island
20102682LL
Rhode Island Lender License
South Carolina
CGL-165211
Consumer Credit Notification
South Carolina
CGC-164984
Consumer Credit Notification
South Carolina
CLL-165212
Consumer Credit Notification
South Carolina
CLC-164986
Consumer Credit Notification
South Carolina
SL - 2611
South Carolina Supervised Lender
South Carolina
SLW1 - 2611
South Carolina
Consumer Loans
Tennessee
2611
Industrial Loan and Thrift Company Registration
Texas
47207
Regulated Lender License
Utah
Consumer Credit Notification
Vermont
6100
Vermont Lender License
Washington
CL-2611
Consumer Loan Company License
Wisconsin
3266-LC
Loan Company License
Wyoming
CL-4491
Wyoming Consumer Lender License
Wyoming
4507
Wyoming Mortgage Lender/Broker License

Guaranteed Rate, Inc. is subject to regulatory oversight by the Michigan Department of Insurance and Financial Services (MDIFS), 530 W. Allegan Street, 7th Floor Lansing, MI & (Toll-Free) 877-999-6442. If you have any questions regarding your personal loan application or need assistance, please feel free to reach out to our dedicated personal loans team at 833-533-2306 during our operating hours, which are Monday to Friday from 9 a.m. to 6 p.m. EST. Additionally, you can email us at [email protected].