Lender in Michigan · HMDA 2025
Guild Mortgage Company mortgages in Michigan
Guild Mortgage Company's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Guild Mortgage Company originated 599 owner-occupied single-family loans in Michigan from 646 completed applications.
Its median conventional purchase loan costs were $4,280 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
599
of 646 applications
Denial rate
2.7%
Purchase · MI 7.8%
Rate spread
+0.38 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 557 | 516 | 2.7% | 6.625% | +0.38 pts | $4,280 | $235,000 |
| Refinance | 57 | 53 | 5.3% | 6.624% | +0.36 pts | $3,350 | $345,000 |
| Cash-out refinance | 32 | 30 | 6.3% | — | +0.64 pts | $5,220 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Guild Mortgage Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Missaukee County | 4 | 9 | 5.4% |
| Isabella County | 6 | 26 | 4.4% |
| Wexford County | 6 | 20 | 4.4% |
| Montcalm County | 7 | 25 | 2.6% |
| Keweenaw County | 7 | 1 | 5.3% |
| Osceola County | 9 | 5 | 2.2% |
| Lake County | 9 | 3 | 2.1% |
| Newaygo County | 10 | 16 | 2.6% |
| Kent County | 11 | 170 | 1.9% |
| Mecosta County | 12 | 10 | 2.1% |
| Gratiot County | 12 | 9 | 2.1% |
| Alcona County | 12 | 2 | 1.6% |
| Chippewa County | 14 | 3 | 1.4% |
| Ionia County | 15 | 17 | 1.9% |
| Clare County | 15 | 6 | 1.4% |
| Alger County | 16 | 1 | 2.1% |
| Oceana County | 17 | 3 | 1.1% |
| Ottawa County | 18 | 44 | 1.1% |
| Barry County | 18 | 14 | 1.6% |
| Leelanau County | 19 | 2 | 0.9% |
| Menominee County | 19 | 2 | 1.0% |
| Ogemaw County | 23 | 2 | 0.9% |
| Midland County | 25 | 10 | 0.9% |
| Grand Traverse County | 25 | 9 | 0.8% |
- Guild Mortgage Company nationwide
- Michigan mortgage market
- Guild Mortgage Company in Texas
- Guild Mortgage Company in Missouri
- Guild Mortgage Company in Washington
- Guild Mortgage Company in Oregon
- Guild Mortgage Company in Colorado
- Guild Mortgage Company in Utah
- Guild Mortgage Company in Georgia
- Guild Mortgage Company in California
- Guild Mortgage Company in Pennsylvania
- Guild Mortgage Company in Nevada
- Guild Mortgage Company in Illinois
- Guild Mortgage Company in Arizona
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology