Guild Mortgage Company: 2025 mortgage rates, costs & approvals
How Guild Mortgage Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GUILD MORTGAGE COMPANY · LEI 549300AQ3T62GXDU7D76
In 2025, Guild Mortgage Company originated 66,160 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 8th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $6,160, 11% higher than the national median ($5,570).
It denied 3.1% of completed home-purchase applications (all lenders: 8.5%).
How Guild Mortgage Company priced home-purchase loans
| Purchase loans, 2025 | Guild Mortgage Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $6,160 | $5,570 |
| Total loan costs · FHA | $12,130 | $11,310 |
| Total loan costs · VA | $9,110 | $6,490 |
| Origination charges (all types) | $3,140 | $1,860 |
| Borrowers paying discount points | 59.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 15.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Guild Mortgage Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Guild Mortgage Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 5,503 | 6,184 | 3.6% | 6.625% | $7,760 |
| Missouri | 4,615 | 5,063 | 2.6% | 6.625% | $4,050 |
| Washington | 4,136 | 4,574 | 2.6% | 6.625% | $7,950 |
| Oregon | 3,280 | 3,617 | 1.8% | 6.625% | $8,090 |
| Colorado | 3,132 | 3,488 | 2.4% | 6.625% | $5,810 |
| Utah | 3,038 | 3,252 | 0.9% | 6.624% | $8,080 |
| Georgia | 2,981 | 3,427 | 4.6% | 6.500% | $6,480 |
| California | 2,921 | 3,341 | 2.1% | 6.625% | $9,030 |
| Pennsylvania | 2,777 | 2,961 | 1.6% | 6.625% | $6,010 |
| Nevada | 2,734 | 3,026 | 2.0% | 6.625% | $8,140 |
| Illinois | 2,401 | 2,718 | 4.8% | 6.750% | $6,160 |
| Arizona | 2,378 | 2,669 | 3.6% | 6.625% | $7,510 |
| Florida | 2,061 | 2,421 | 5.7% | 6.625% | $6,940 |
| South Carolina | 1,970 | 2,303 | 3.3% | 6.625% | $5,410 |
| Wisconsin | 1,916 | 2,085 | 3.6% | 6.625% | $3,910 |
| Massachusetts | 1,895 | 2,060 | 2.6% | 6.625% | $5,290 |
| North Carolina | 1,524 | 1,748 | 2.2% | 6.625% | $5,480 |
| Alabama | 1,399 | 1,594 | 2.2% | 6.625% | $4,310 |
| New Mexico | 1,273 | 1,414 | 3.5% | 6.625% | $6,410 |
| Idaho | 1,222 | 1,306 | 1.6% | 6.500% | $8,750 |
| Indiana | 1,122 | 1,242 | 3.4% | 6.625% | $3,660 |
| Maine | 1,019 | 1,106 | 3.8% | 6.750% | $4,350 |
| Kansas | 985 | 1,100 | 2.9% | 6.625% | $3,890 |
| Virginia | 879 | 972 | 3.8% | 6.625% | $5,840 |
| Maryland | 828 | 928 | 3.3% | 6.625% | $6,570 |
| Minnesota | 731 | 769 | 2.2% | 6.750% | $4,960 |
| Oklahoma | 628 | 737 | 6.2% | 6.625% | $5,600 |
| Michigan | 599 | 646 | 2.7% | 6.625% | $4,280 |
| Mississippi | 577 | 652 | 4.7% | 6.500% | $5,380 |
| New Hampshire | 562 | 625 | 3.5% | 6.625% | $4,520 |
| Wyoming | 482 | 544 | 3.5% | 6.625% | $6,560 |
| Iowa | 476 | 524 | 2.0% | 6.750% | $3,270 |
| Tennessee | 450 | 503 | 3.8% | 6.750% | $7,400 |
| Delaware | 422 | 483 | 4.4% | 6.625% | $5,720 |
| Louisiana | 408 | 476 | 5.8% | 6.625% | $5,380 |
| Rhode Island | 408 | 446 | 2.4% | 6.750% | $4,700 |
| Montana | 394 | 445 | 3.5% | 6.625% | $7,130 |
| Nebraska | 364 | 409 | 3.4% | 6.625% | $3,300 |
| Arkansas | 343 | 398 | 5.9% | 6.750% | $3,940 |
| Ohio | 276 | 306 | 2.4% | 6.750% | $5,100 |
| Hawaii | 255 | 300 | 7.4% | 6.625% | $10,760 |
| Connecticut | 171 | 197 | 6.0% | 6.625% | $6,290 |
| Alaska | 167 | 188 | 4.1% | 6.250% | $7,550 |
| Vermont | 106 | 116 | 2.9% | 6.375% | $7,400 |
| North Dakota | 84 | 94 | 1.2% | 6.375% | $4,290 |
| New Jersey | 80 | 103 | 9.5% | 6.625% | $6,560 |
| Kentucky | 59 | 70 | 5.0% | — | — |
| District of Columbia | 57 | 63 | 5.9% | 6.625% | $7,410 |
| West Virginia | 55 | 64 | 8.5% | 6.490% | $4,630 |
| South Dakota | 17 | 20 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Guild Mortgage Company's page for that state.
Counties where Guild Mortgage Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brewster County, TX | 1 | 25 | 43.1% |
| Guadalupe County, NM | 1 | 8 | 42.1% |
| Glascock County, GA | 1 | 6 | 33.3% |
| Harper County, OK | 1 | 3 | 33.3% |
| Eureka County, NV | 1 | 1 | 33.3% |
| Bullock County, AL | 1 | 7 | 28.0% |
| St. Francois County, MO | 1 | 255 | 27.6% |
| Alpine County, CA | 1 | 3 | 25.0% |
| Hooker County, NE | 1 | 1 | 25.0% |
| Silver Bow County, MT | 1 | 118 | 24.7% |
| Phillips County, CO | 1 | 12 | 24.0% |
| Woodward County, OK | 1 | 34 | 22.5% |
| Kiowa County, KS | 1 | 2 | 22.2% |
| Mason County, TX | 1 | 5 | 21.7% |
| Ellis County, OK | 1 | 3 | 21.4% |
Check Guild Mortgage Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300AQ3T62GXDU7D76.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Guild Mortgage Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology