Case Study: Guaranteed Rate achieves near-real-time, accurate commission payouts with nCino Incentive Compensation

Guaranteed Rate Relies on nCino Incentive Compensation for Fast, Accurate, Transparent Commission Calculations

Guaranteed Rate, a Chicago‑based retail mortgage lender that funded nearly $55 billion in 2022 and employs more than 10,000 people (including about 5,000 commission‑eligible staff), faced mounting complexity in calculating incentive pay as it grew organically and through acquisitions. Spreadsheets and non‑industry commission tools proved slow, error‑prone and unable to handle the mortgage‑specific, tiered and variable compensation structures the company needed to manage.

Guaranteed Rate implemented nCino Incentive Compensation to automate commissions, integrate via APIs with primary LOS systems like Encompass and Empower, and support varied pay schedules, splits, overrides and custom rules. Commission statements now populate within about 30 minutes of funding, reducing manual entry and errors, speeding dispute resolution, and providing centralized reporting and scalability to accommodate continued growth.

Guaranteed Rate

Emily Da Cunha

Vice President of Incentive Compensation