About Us



Guaranteed Rate (GRI) is the second largest independent home loan company in the U.S., and is also ranked as the 10th largest retail mortgage lender by National Mortgage News, one of only two independent companies included in the top 10. Since our inception in 2000, GRI has increased volume annually, closing more than $14.7 billion in loans 2012. Guaranteed Rate is licensed in 49 states and Washington D.C., has more than 2,500 employees in more than 140 locations nationwide.

Guaranteed Rate offers loan officers an ideal environment to increase their sales while offering the best service and maintaining the highest level of customer satisfaction. GRI's repeat and referral business continue to grow exponentially, with customer satisfaction ratings over 96 percent. GRI continues to invest heavily in technology and training to streamline the mortgage process yielding higher productivity and faster closings. More Top 200 Loan Originators, as ranked by Scotsman Guide, work here than at any other company. We also boast more loan orginators in the Top 1 percent nationally than any other lending institution. The unique approach combining low interest rates and fees with state of the art marketing and technology continues to allow Guaranteed Rate's sales force to focus on growing their business.


     
Victor Ciardelli
President & CEO
Victor Ciardelli, CEO and President of Guaranteed Rate is a mortgage banking innovator. In 1992, Victor headed a traditional mortgage company. Not satisfied with the existing model for mortgage companies, Ciardelli put his ideas for a modern, streamlined operation to the test and founded Guaranteed Rate in June of 2000. By offering consumers low rates and fees, and the ability to evaluate the total cost of a home loan, Guaranteed Rate became Chicago’s largest independent mortgage lender within 3 years.

Today, Guaranteed Rate is the fastest growing mortgage company in the country, funding over $14 billion in annual volume in 2012 - more than double 2011’s totals. The company’s focus on being the leader in developing and employing industry-leading technologies and processes is propelling its growth. Guaranteed Rate employs over 2,400 people in over 140 offices and does business in 47 states and Washington, DC.

In addition to Guaranteed Rate’s consumer advocate approach to mortgage banking, its ability to partner with top producing real estate agents nationwide has contributed to the company’s light speed success in the mortgage industry.

In 2012, Ciardelli was named the regional winner of the Ernst & Young Entrepreneur of the Year award. Guaranteed Rate has been featured in Crain’s Chicago Magazine’s list of the Largest Privately Held Companies seven years running and was recognized for having the largest increase in revenue growth for 2009---an astounding 80% increase. Guaranteed Rate has also been on the Crain’s Fast Fifty list of the fifty fastest growing companies in Chicago since the list was first published in 2007. In 2012, the company was also named as one of the Top Places to Work in Chicago by the Chicago Tribune Magazine’s annual survey.
Rob Sampson
Chief Operating Officer
Rob Sampson is the Chief Operating Officer for Guaranteed Rate. He is responsible for managing Guaranteed Rate's Secondary Marketing, Training, Software, Closing, and Post Closing departments. Rob started his career as a Loan Officer with Guaranteed Rate in 2003. In 2004 Rob was promoted to manage Guaranteed Rate's Inbound Sales division, responsible for over $150M in annual production. Early in 2005 he was promoted to Secondary Marketing Manager where he helped Guaranteed Rate build one of the strongest lending platforms in the country. Rob was then promoted to COO in 2010.
Dan Moran
National Production Manager
Dan Moran is the National Production Manager for Guaranteed Rate. Dan's focus is to see that Guaranteed Rate's sales force productivity is always leading the mortgage industry. By working directly with our various sales teams, Dan manages and supports sales throughout the production of the sales teams' loans and gives them the best practices for efficiency. He is able to achieve this by following Guaranteed Rate model as well as utilizing tools that are available to our loan officers.

Dan has been in the mortgage industry since 1993, and started with Guaranteed Rate in July 2007. Dan was previously a President's Club producer for three straight years at Guaranteed Rate while managing a Guaranteed Rate office in Chicago. He was named National Production Manager in July of 2011.
Joe Phalen
SVP of Strategic Growth
Joe Phalen is the Senior Vice President of Strategic Growth for Guaranteed Rate. Starting in mortgage origination in 1992, Joe has been recognized as a top 200 producer nationally from 1998 to 2010. He joined Guaranteed Rate in March 2010 as a Branch Manager and was promoted to Director of Business Development in December of 2010. In February, 2012, Joe was promoted to Guaranteed Rate's strategic growth team, focusing on bringing the best-of-the-best Loan Originators nationally. Joe also oversees Guaranteed Rate's sales force to empower them to reach their goals through sharing relationship-selling strategies and operational efficiencies that help Loan Officers become top producers.