Purchase Originations
158
Median Total Costs
$9,352
+40.0% vs national ($6,680)
↑ $900 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,828
Median Lender Credits
$2,000
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 105 | 6.875% | $8,674 | $5,115 |
| fha | 30 | 6.750% | $13,159 | $4,406 |
| va | 20 | 6.750% | $8,269 | $3,120 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,872 | 7.312% | — | 2 | −$4,480 | |
| 2 | $5,594 | 6.870% | — | 8 | −$3,758 | |
| 3 | $5,757 | 6.625% | — | 4 | −$3,595 | |
| 4 | $6,149 | 6.990% | — | 1 | −$3,203 | |
| 5 | $6,748 | 6.438% | — | 4 | −$2,604 | |
| 6 | $8,204 | 6.750% | — | 3 | −$1,148 | |
| 7 | $8,426 | 6.562% | — | 10 | −$926 | |
| 8 | $8,526 | 6.875% | — | 18 | −$826 | |
| 9 | $8,997 | 6.688% | — | 2 | −$355 | |
| 10 | $9,023 | 6.870% | — | 2 | −$329 | |
| 11 | $9,163 | 6.375% | — | 13 | −$189 | |
| 12 | $9,299 | 6.750% | — | 16 | −$53 | |
| 13 | $9,584 | 6.875% | — | 3 | +$232 | |
| 14 | $9,974 | 6.625% | — | 3 | +$622 | |
| 15 | $10,805 | 6.990% | — | 3 | +$1,453 | |
| 16 | $10,875 | 6.995% | — | 2 | +$1,523 | |
| 17 | $11,088 | 6.875% | — | 26 | +$1,736 | |
| 18 | $12,748 | 6.875% | — | 8 | +$3,396 | |
| 19 | $12,755 | 6.990% | — | 3 | +$3,403 | |
| 20 | $17,776 | 6.688% | — | 6 | +$8,424 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Guaranty Mortgage Services, L.L.C. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $9,352 | $7,127 | +$2,225 (+31.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.