Purchase Originations
58,750
Ranked #6 nationally
Median Total Costs
$8,097
+21.2% vs national ($6,680)
↑ $38 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,168
Median Lender Credits
$1,045
Cost Rank (500+ vol.)
#444
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 33,347 | 6.625% | $6,172 | $2,852 |
| fha | 18,119 | 6.375% | $12,019 | $3,881 |
| va | 6,043 | 6.250% | $9,092 | $2,412 |
| usda | 1,241 | 6.375% | $6,590 | $1,911 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 5,155 | 6.500% | $9,925 | #11 |
| Missouri | 3,797 | 6.625% | $4,975 | #2 |
| Washington | 3,548 | 6.625% | $9,839 | #2 |
| Oregon | 2,969 | 6.500% | $9,700 | #1 |
| Georgia | 2,886 | 6.250% | $10,563 | #5 |
| Colorado | 2,671 | 6.624% | $7,660 | #2 |
| Utah | 2,599 | 6.375% | $10,737 | #2 |
| Nevada | 2,584 | 6.500% | $10,834 | #2 |
| Pennsylvania | 2,563 | 6.625% | $6,674 | #5 |
| California | 2,409 | 6.500% | $10,871 | #18 |
| Arizona | 2,113 | 6.625% | $9,904 | #9 |
| Florida | 1,974 | 6.500% | $9,772 | #20 |
| Illinois | 1,906 | 6.625% | $6,384 | #11 |
| South Carolina | 1,878 | 6.500% | $7,206 | #6 |
| Wisconsin | 1,524 | 6.625% | $4,969 | #5 |
| Massachusetts | 1,476 | 6.500% | $5,834 | #7 |
| North Carolina | 1,443 | 6.500% | $7,498 | #18 |
| Alabama | 1,333 | 6.500% | $7,508 | #7 |
| New Mexico | 1,208 | 6.500% | $9,090 | #2 |
| Idaho | 1,088 | 6.250% | $10,642 | #3 |
| Indiana | 1,025 | 6.625% | $4,727 | #13 |
| Maine | 940 | 6.625% | $5,574 | #3 |
| Kansas | 913 | 6.625% | $4,988 | #7 |
| Virginia | 775 | 6.500% | $8,182 | #28 |
| Maryland | 745 | 6.500% | $8,810 | #17 |
| Minnesota | 617 | 6.750% | $5,117 | #23 |
| Oklahoma | 583 | 6.500% | $7,454 | #15 |
| Mississippi | 575 | 6.500% | $8,489 | #8 |
| Michigan | 547 | 6.625% | $5,344 | #35 |
| New Hampshire | 453 | 6.625% | $4,670 | #5 |
| Wyoming | 436 | 6.250% | $9,122 | #3 |
| Iowa | 422 | 6.625% | $5,025 | #16 |
| Louisiana | 422 | 6.500% | $7,585 | #20 |
| Tennessee | 403 | 6.625% | $8,866 | #42 |
| Delaware | 375 | 6.500% | $6,689 | #6 |
| Montana | 353 | 6.250% | $9,379 | #7 |
| Rhode Island | 308 | 6.625% | $5,129 | #6 |
| Arkansas | 302 | 6.500% | $5,810 | #20 |
| Nebraska | 292 | 6.500% | $3,984 | #18 |
| Ohio | 232 | 6.625% | $6,161 | #85 |
| Hawaii | 214 | 6.500% | $12,545 | #13 |
| Alaska | 153 | 6.125% | $8,685 | #11 |
| Connecticut | 125 | 6.500% | $7,088 | #45 |
| Vermont | 102 | 6.250% | $8,447 | #10 |
| North Dakota | 77 | 6.250% | $6,066 | #20 |
| New Jersey | 67 | 6.625% | $7,417 | #134 |
| Kentucky | 59 | 6.625% | $7,670 | #108 |
| West Virginia | 53 | 6.490% | $6,785 | #49 |
| District of Columbia | 46 | 6.433% | $8,555 | — |
| South Dakota | 12 | 6.312% | $6,868 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,629 | 6.625% | — | 994 | −$3,468 | |
| 2 | $4,943 | 6.625% | — | 395 | −$3,154 | |
| 3 | $5,733 | 6.625% | — | 445 | −$2,364 | |
| 4 | $6,133 | 6.500% | — | 634 | −$1,964 | |
| 5 | $6,628 | 6.625% | — | 458 | −$1,469 | |
| 6 | $6,635 | 6.625% | — | 398 | −$1,462 | |
| 7 | $7,620 | 6.750% | — | 375 | −$477 | |
| 8 | $8,276 | 6.625% | — | 609 | +$179 | |
| 9 | $8,839 | 6.500% | — | 522 | +$742 | |
| 10 | $8,993 | 6.625% | — | 529 | +$896 | |
| 11 | $9,249 | 6.625% | — | 386 | +$1,152 | |
| 12 | $9,887 | 6.500% | — | 379 | +$1,790 | |
| 13 | $10,063 | 6.625% | — | 485 | +$1,966 | |
| 14 | $10,122 | 6.625% | — | 915 | +$2,025 | |
| 15 | $10,520 | 6.250% | — | 1,243 | +$2,423 | |
| 16 | $10,683 | 6.500% | — | 515 | +$2,586 | |
| 17 | $10,714 | 6.490% | — | 460 | +$2,617 | |
| 18 | $10,972 | 6.375% | — | 446 | +$2,875 | |
| 19 | $11,130 | 6.625% | — | 642 | +$3,033 | |
| 20 | $12,537 | 6.625% | — | 432 | +$4,440 |
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 | Guild Mortgage Company LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $8,097 | $7,127 | +$970 (+13.6%) |
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.