Founder and CEO

Victor Ciardelli is an innovative entrepreneur who, after recognizing the outdated methods of the mortgage industry, identified the need for a streamlined, technology-based approach. His ideas led to his founding of Guaranteed Rate in June 2000. The company’s low rates and fees, easy-tounderstand process, and transparency around home loan costs resonated with homebuyers and positioned Guaranteed Rate to become Chicago’s largest independent mortgage lender within three years of opening.

Today, Guaranteed Rate is the largest independent retail mortgage company in the US and one of the largest retail mortgage lenders overall, funding more than $18 billion in 2015 and $23 billion in 2016. The company’s focus on being a leader in developing and employing industry-leading technologies and processes has propelled its growth. Guaranteed Rate employs approximately 3,240 people in 195 offices and does business in all 50 states and Washington, DC.