Guaranty Home Mortgage Corporation Rates, Fees & Info

NASHVILLE, TN

LEI: 5493005HCI0Y8LUK5S48

Tax ID: 62-1259997

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    • Review & Overview

    Guaranty Home Mortgage Corporation is a small mortgage company specializing in Home Purchase loans. Guaranty Home Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Nashville, Pensacola, Knoxville, Birmingham, and Cincinnati among others. We have data for 208 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty Home Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guaranty Home Mortgage Corporation is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.68% 12/17/24
    30 Year Conventional Refi 6.60% 12/17/24
    30 Year Cash-out Refi 6.85% 12/17/24
    30 Year FHA Purchase 7.30% 12/17/24
    30 Year FHA Refi 7.29% 12/17/24
    30 Year VA Purchase 6.13% 12/17/24
    30 Year VA Refi 6.27% 12/17/24
    30 Year USDA Purchase 6.77% 12/17/24
    30 Year USDA Refi 6.57% 12/17/24
    15 Year Conventional Purchase 6.15% 12/17/24
    15 Year Conventional Refi 6.06% 12/17/24
    15 Year Cash-out Refi 6.06% 12/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Guaranty Home Mortgage Corporation Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Guaranty Home Mortgage Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,386

    Origination Dollar Volume (All Markets)

    $1,103,870,000
    Show all (50) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 973 $236,465,000 $243,027 $4,342 4.61%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 393 $89,005,000 $226,476 $4,712 4.60%
    KNOXVILLE, TN (FHA|USDA|VA) 474 $76,320,000 $161,013 $4,776 4.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 262 $56,400,000 $215,267 $4,215 4.67%
    Outside of Metro Areas 331 $48,695,000 $147,115 $3,880 4.58%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 228 $43,570,000 $191,096 $4,339 4.73%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 133 $38,925,000 $292,669 $4,224 4.61%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 132 $33,910,000 $256,894 $5,032 4.57%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 154 $27,540,000 $178,831 $3,545 4.65%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 91 $22,315,000 $245,220 $4,909 4.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 123 $22,155,000 $180,122 $5,984 4.52%
    MOBILE, AL (FHA|USDA|VA) 124 $20,250,000 $163,306 $4,584 4.56%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 92 $19,020,000 $206,739 $3,862 4.70%
    ASHEVILLE, NC (FHA|USDA|VA) 82 $18,650,000 $227,439 $4,276 4.51%
    JACKSONVILLE, FL (FHA|USDA|VA) 68 $16,370,000 $240,735 $6,286 4.58%
    COLUMBUS, OH (FHA|USDA|VA) 56 $12,320,000 $220,000 $2,629 4.68%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 64 $12,000,000 $187,500 $4,267 4.80%
    MORRISTOWN, TN (FHA|USDA|VA) 72 $11,840,000 $164,444 $4,183 4.44%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 63 $10,995,000 $174,524 $4,765 4.69%
    FORT COLLINS, CO (FHA|USDA|VA) 33 $10,305,000 $312,273 $5,139 4.72%
    Madisonville, KY (FHA|USDA|VA) 78 $10,220,000 $131,026 $3,098 4.67%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 29 $9,325,000 $321,552 $5,524 4.47%
    BATON ROUGE, LA (FHA|USDA|VA) 41 $9,195,000 $224,268 $6,274 4.67%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 63 $8,915,000 $141,508 $4,581 4.54%
    FLORENCE, SC (FHA|USDA|VA) 46 $8,450,000 $183,696 $4,725 5.00%
    Tifton, GA (FHA|USDA|VA) 48 $8,130,000 $169,375 $5,416 4.37%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 49 $7,985,000 $162,959 $4,480 4.58%
    Sevierville, TN (FHA|USDA|VA) 41 $7,935,000 $193,537 $4,936 4.41%
    BOULDER, CO (FHA|USDA|VA) 18 $7,260,000 $403,333 $3,396 4.74%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 19 $6,925,000 $364,474 $7,267 4.56%
    JOHNSON CITY, TN (FHA|USDA|VA) 48 $6,660,000 $138,750 $4,474 4.87%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 33 $6,515,000 $197,424 $3,160 4.78%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $5,985,000 $260,217 $4,202 4.49%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 32 $5,950,000 $185,938 $5,752 4.77%
    HUNTSVILLE, AL (FHA|USDA|VA) 30 $5,380,000 $179,333 $5,081 4.50%
    MONTGOMERY, AL (FHA|USDA|VA) 32 $5,370,000 $167,813 $3,388 4.80%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 29 $5,335,000 $183,966 $3,585 4.40%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 20 $5,150,000 $257,500 $4,580 4.48%
    Shelbyville, TN (FHA|USDA|VA) 29 $5,025,000 $173,276 $4,582 4.60%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $5,010,000 $278,333 $8,503 4.47%
    GREELEY, CO (FHA|USDA|VA) 16 $4,970,000 $310,625 $5,360 4.59%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 23 $4,355,000 $189,348 $3,608 4.63%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 31 $4,225,000 $136,290 $4,558 4.57%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 22 $3,790,000 $172,273 $3,905 4.59%
    Lewisburg, TN (FHA|USDA|VA) 18 $3,520,000 $195,556 $4,950 4.44%
    JACKSON, TN (FHA|USDA|VA) 24 $3,460,000 $144,167 $4,431 4.49%
    RALEIGH-CARY, NC (FHA|USDA|VA) 14 $3,400,000 $242,857 $4,909 4.46%
    LYNCHBURG, VA (FHA|USDA|VA) 12 $3,300,000 $275,000 $4,487 4.36%
    FAYETTEVILLE, NC (FHA|USDA|VA) 16 $3,260,000 $203,750 $5,011 4.30%
    Georgetown, SC (FHA|USDA|VA) 10 $3,190,000 $319,000 $4,083 4.81%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $3,150,000 $225,000 $4,781 4.45%
    Cookeville, TN (FHA|USDA|VA) 21 $3,135,000 $149,286 $3,738 4.44%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $2,820,000 $282,000 $7,291 4.53%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $2,685,000 $244,091 $5,145 4.68%
    DECATUR, AL (FHA|USDA|VA) 12 $2,240,000 $186,667 $4,712 4.60%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,185,000 $312,143 $4,668 4.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 7 $2,115,000 $302,143 $4,686 4.07%
    BRUNSWICK, GA (FHA|USDA|VA) 9 $2,035,000 $226,111 $6,385 4.78%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $1,970,000 $197,000 $5,505 4.66%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $1,925,000 $275,000 $6,805 4.88%
    TULSA, OK (FHA|USDA|VA) 13 $1,865,000 $143,462 $4,088 4.79%
    Frankfort, KY (FHA|USDA|VA) 11 $1,705,000 $155,000 $3,554 4.52%
    Jasper, IN (FHA|USDA|VA) 13 $1,695,000 $130,385 $3,436 4.60%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 10 $1,660,000 $166,000 $3,812 4.61%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $1,610,000 $201,250 $2,999 4.34%
    London, KY (FHA|USDA|VA) 9 $1,545,000 $171,667 $3,604 4.24%
    ALEXANDRIA, LA (FHA|USDA|VA) 6 $1,530,000 $255,000 $5,852 4.75%
    COLUMBUS, GA-AL (FHA|USDA|VA) 11 $1,445,000 $131,364 $3,805 4.49%
    FLINT, MI (FHA|USDA|VA) 9 $1,435,000 $159,444 $3,640 4.63%
    Crossville, TN (FHA|USDA|VA) 11 $1,385,000 $125,909 $4,279 4.80%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,275,000 $182,143 $4,998 4.80%
    LOUISVILLE, KY (FHA|USDA|VA) 6 $1,240,000 $206,667 $5,025 4.31%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,200,000 $300,000 $3,930 4.53%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,513 4.65%
    Dayton, TN (FHA|USDA|VA) 7 $1,065,000 $152,143 $4,932 4.71%
    Albertville, AL (FHA|USDA|VA) 7 $1,035,000 $147,857 $4,328 4.80%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,882 4.38%
    WILMINGTON, NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $6,804 4.31%
    Danville, KY (FHA|USDA|VA) 7 $985,000 $140,714 $3,400 4.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 8 $980,000 $122,500 $3,062 4.50%
    Big Stone Gap, VA (FHA|USDA|VA) 8 $950,000 $118,750 $3,210 4.50%
    Breckenridge, CO (FHA|USDA|VA) 1 $935,000 $935,000 $14,351 4.13%
    ROANOKE, VA (FHA|USDA|VA) 4 $930,000 $232,500 $6,881 4.88%
    Montrose, CO (FHA|USDA|VA) 2 $910,000 $455,000 $14,847 4.50%
    Brevard, NC (FHA|USDA|VA) 4 $900,000 $225,000 $4,469 4.47%
    Lawrenceburg, TN (FHA|USDA|VA) 7 $895,000 $127,857 $4,323 4.43%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $885,000 $295,000 $6,183 4.63%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $875,000 $175,000 $5,313 4.38%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 5 $875,000 $175,000 $5,210 4.20%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $835,000 $835,000 $32,270 3.63%
    RICHMOND, VA (FHA|USDA|VA) 4 $820,000 $205,000 $4,595 4.41%
    MIDLAND, TX (FHA|USDA|VA) 3 $805,000 $268,333 $8,486 4.58%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $800,000 $400,000 $4,768 4.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $785,000 $261,667 $4,385 4.79%
    TUSCALOOSA, AL (FHA|USDA|VA) 4 $770,000 $192,500 $5,034 4.66%
    Richmond-Berea, KY (FHA|USDA|VA) 5 $765,000 $153,000 $2,817 4.55%
    Edwards, CO (FHA|USDA|VA) 2 $710,000 $355,000 $6,766 4.56%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $705,000 $235,000 $7,779 4.54%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $680,000 $170,000 $4,866 4.75%
    Thomasville, GA (FHA|USDA|VA) 6 $680,000 $113,333 $5,320 4.54%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $675,000 $225,000 $3,046 4.67%
    COLUMBIA, SC (FHA|USDA|VA) 4 $670,000 $167,500 $4,936 4.25%
    Alexander City, AL (FHA|USDA|VA) 2 $660,000 $330,000 $4,805 4.75%
    Newport, TN (FHA|USDA|VA) 3 $655,000 $218,333 $3,594 4.42%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $645,000 $215,000 $3,365 4.33%
    Washington, IN (FHA|USDA|VA) 5 $635,000 $127,000 $2,306 4.70%
    McMinnville, TN (FHA|USDA|VA) 4 $600,000 $150,000 $3,776 4.38%
    Mount Sterling, KY (FHA|USDA|VA) 5 $585,000 $117,000 $2,348 4.48%
    WINCHESTER, VA-WV (FHA|USDA|VA) 3 $585,000 $195,000 $4,349 4.33%
    VALDOSTA, GA (FHA|USDA|VA) 5 $575,000 $115,000 $5,257 4.53%
    Forest City, NC (FHA|USDA|VA) 2 $560,000 $280,000 $6,969 4.75%
    Cullman, AL (FHA|USDA|VA) 7 $555,000 $79,286 $4,547 5.02%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $540,000 $270,000 $3,382 5.19%
    Natchez, MS-LA (FHA|USDA|VA) 4 $540,000 $135,000 $3,826 4.63%
    Wilmington, OH (FHA|USDA|VA) 3 $535,000 $178,333 $5,309 4.79%
    Calhoun, GA (FHA|USDA|VA) 4 $520,000 $130,000 $4,009 4.50%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $5,244 5.69%
    Granbury, TX (FHA|USDA|VA) 2 $480,000 $240,000 $3,832 4.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $470,000 $235,000 $3,629 4.31%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $455,000 $455,000 $7,109 4.38%
    Moultrie, GA (FHA|USDA|VA) 3 $445,000 $148,333 $5,363 4.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $440,000 $220,000 $9,477 3.94%
    Marion, NC (FHA|USDA|VA) 2 $440,000 $220,000 $5,252 4.75%
    Jefferson, GA (FHA|USDA|VA) 2 $440,000 $220,000 $4,980 4.69%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $425,000 $425,000 $2,733 4.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $425,000 $141,667 $3,515 4.63%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $420,000 $210,000 $2,747 4.56%
    OCALA, FL (FHA|USDA|VA) 2 $410,000 $205,000 $5,543 4.31%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $410,000 $205,000 $3,988 5.06%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $405,000 $405,000 $3,291 3.63%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $390,000 $195,000 $8,949 5.06%
    TERRE HAUTE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $2,726 4.81%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $365,000 $121,667 $3,493 4.42%
    ALBANY, GA (FHA|USDA|VA) 2 $340,000 $170,000 $5,954 4.63%
    STAUNTON, VA (FHA|USDA|VA) 1 $335,000 $335,000 $13,803 4.63%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $325,000 $325,000 $3,455 3.63%
    Cullowhee, NC (FHA|USDA|VA) 2 $320,000 $160,000 $2,498 3.94%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $310,000 $155,000 $3,623 4.69%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $305,000 $305,000 $2,163 4.38%
    MADISON, WI (FHA|USDA|VA) 2 $300,000 $150,000 $2,959 4.50%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $8,674 3.75%
    Dyersburg, TN (FHA|USDA|VA) 2 $290,000 $145,000 $3,426 5.13%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $285,000 $285,000 $5,544 3.63%
    Fort Payne, AL (FHA|USDA|VA) 2 $270,000 $135,000 $5,134 4.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $270,000 $135,000 $3,774 5.31%
    CLEVELAND, TN (FHA|USDA|VA) 1 $265,000 $265,000 $8,564 4.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,852 4.88%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $6,602 4.38%
    Traverse City, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,159 4.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $265,000 $265,000 $7,640 4.38%
    OWENSBORO, KY (FHA|USDA|VA) 2 $260,000 $130,000 $3,720 4.88%
    Bellefontaine, OH (FHA|USDA|VA) 2 $260,000 $130,000 $3,496 5.00%
    Gaffney, SC (FHA|USDA|VA) 1 $255,000 $255,000 $12,133 5.50%
    Durango, CO (FHA|USDA|VA) 1 $255,000 $255,000 $3,669 5.75%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,270 5.13%
    MANHATTAN, KS (FHA|USDA|VA) 1 $245,000 $245,000 $1,902 3.75%
    Paducah, KY-IL (FHA|USDA|VA) 2 $240,000 $120,000 $2,937 5.13%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,237 4.25%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $215,000 $215,000 $6,982 4.50%
    Bluefield, WV-VA (FHA|USDA|VA) 2 $210,000 $105,000 $3,449 4.63%
    Holland, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,256 3.88%
    SAVANNAH, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,336 4.75%
    Shawnee, OK (FHA|USDA|VA) 2 $200,000 $100,000 $4,042 4.75%
    MUNCIE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,295 4.75%
    Paris, TN (FHA|USDA|VA) 1 $195,000 $195,000 $2,640 4.75%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $185,000 $185,000 $2,868 4.38%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,912 5.00%
    Meadville, PA (FHA|USDA|VA) 1 $185,000 $185,000 $9,469 4.50%
    Ada, OK (FHA|USDA|VA) 1 $185,000 $185,000 $4,386 4.38%
    Greeneville, TN (FHA|USDA|VA) 2 $180,000 $90,000 $4,899 4.56%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $175,000 $175,000 $9,242 4.50%
    EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,635 4.38%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,365 4.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $1,679 4.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $165,000 $165,000 $11,291 3.88%
    Bedford, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,602 4.75%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,255 4.63%
    PUEBLO, CO (FHA|USDA|VA) 1 $155,000 $155,000 $1,341 4.63%
    LUBBOCK, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,242 4.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,635 4.25%
    Brookhaven, MS (FHA|USDA|VA) 1 $155,000 $155,000 $4,414 4.88%
    Bucyrus-Galion, OH (FHA|USDA|VA) 2 $150,000 $75,000 $4,271 4.31%
    Central City, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,832 4.75%
    Somerset, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,928 4.75%
    Lumberton, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,682 4.38%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $135,000 $135,000 $1,878 4.25%
    Altus, OK (FHA|USDA|VA) 1 $135,000 $135,000 $5,284 4.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,132 4.50%
    WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,714 4.88%
    Waycross, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,505 4.50%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $2,318 4.88%
    SUMTER, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,250 4.75%
    Wapakoneta, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,802 4.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,839 3.00%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,129 5.00%
    Scottsboro, AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,464 4.50%
    Jasper, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,620 4.63%
    JACKSON, MS (FHA|USDA|VA) 1 $105,000 $105,000 $3,468 4.50%
    Thomaston, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,502 5.25%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,455 4.00%
    Urbana, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,808 4.75%
    Athens, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,302 4.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,530 5.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,688 4.63%
    Branson, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,176 4.75%
    Oxford, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,448 4.88%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $85,000 $85,000 $1,477 5.38%
    Athens, TN (FHA|USDA|VA) 1 $65,000 $65,000 $3,096 4.88%
    Guaranty Home Mortgage Corporation's top markets include Nashville, Pensacola, Knoxville, Birmingham, and Cincinnati among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,928 $654,800,000 $223,634 $3,491 4.71%
    FHA 1,251 $217,815,000 $174,113 $5,908 4.47%
    VA 713 $160,735,000 $225,435 $6,108 4.41%
    USDA 494 $70,520,000 $142,753 $4,527 4.52%

    For 2018, Guaranty Home Mortgage Corporation's most frequently originated type of loan was Conventional, with 2,928 originations. Their 2nd most popular type was FHA, with 1,251 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,197 $862,185,000 $205,429 $4,596 4.60%
    Cash Out Refi 717 $135,485,000 $188,961 $4,472 4.65%
    Refi 436 $99,960,000 $229,266 $3,591 4.57%
    Home Improvement 36 $6,240,000 $173,333 $3,850 4.42%

    For 2018, Guaranty Home Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 4,197 originations. The 2nd most popular reason was Cash Out Refi, with 717 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,958 $1,027,410,000 $207,223 $4,582 4.62%
    15 Year 283 $48,435,000 $171,148 $3,510 4.22%
    20 Year 118 $23,630,000 $200,254 $3,272 4.55%
    Other 17 $3,005,000 $176,765 $4,067 4.79%
    10 Year 9 $1,085,000 $120,556 $3,310 4.25%
    3 Year 1 $305,000 $305,000 $3,981 4.25%

    For 2018, Guaranty Home Mortgage Corporation's most frequently cited loan duration was 30 Year, with 4,958 originations. The 2nd most popular length was 15 Year, with 283 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,196 $668,790,000 $209,258
    $1k-2k 1,195 $224,445,000 $187,820
    $2k-3k 433 $78,035,000 $180,219
    $3k-4k 244 $47,820,000 $195,984
    $5k+ 113 $39,795,000 $352,168
    $4k-5k 111 $28,325,000 $255,180

    Guaranty Home Mortgage Corporation's average total fees were $4,582, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,196 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,211 $872,625,000 $207,225
    3-4% 598 $120,000,000 $200,669
    5-6% 572 $110,440,000 $193,077
    6-7% 4 $690,000 $172,500
    2.5-3% 1 $115,000 $115,000

    During 2018, Guaranty Home Mortgage Corporation's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 4-5%, with 4,211 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,480 $372,380,000 $150,153 $4,167 4.59%
    $200k-400k 2,024 $548,030,000 $270,766 $5,083 4.57%
    $100,000 or less 607 $47,875,000 $78,871 $3,369 4.74%
    $400k-600k 244 $109,110,000 $447,172 $5,065 4.58%
    $600k-1MM 23 $16,705,000 $726,304 $10,502 4.68%
    $1MM+ 8 $9,770,000 $1,221,250 $7,040 4.84%

    2018 saw Guaranty Home Mortgage Corporation place emphasis on $100k-200k loans with 2,480 originations, totaling $372,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,566 $286,820,000 $183,155 $4,552 4.58%
    $50k or less 1,495 $196,625,000 $131,522 $4,129 4.59%
    $75k-100k 917 $212,935,000 $232,208 $4,843 4.59%
    $100k-150k 845 $223,155,000 $264,089 $4,613 4.61%
    $150k-250k 432 $131,250,000 $303,819 $4,400 4.66%
    $250k+ 129 $52,525,000 $407,171 $5,021 4.70%

    Guaranty Home Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 1,566 originations. The second most popular income band? $50k or less, with 1,495 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 917 $187,045,000 $203,975 $4,323 4.61%
    20-30% 915 $184,725,000 $201,885 $3,993 4.59%
    50-60% 516 $104,660,000 $202,829 $6,054 4.46%
    <20% 255 $50,385,000 $197,588 $3,771 4.55%
    44% 232 $46,310,000 $199,612 $4,623 4.64%
    49% 222 $47,770,000 $215,180 $4,225 4.67%
    42% 218 $47,070,000 $215,917 $4,501 4.64%
    43% 208 $40,620,000 $195,288 $4,458 4.62%
    37% 201 $38,425,000 $191,169 $4,497 4.60%
    40% 194 $40,720,000 $209,897 $4,652 4.62%
    41% 192 $40,360,000 $210,208 $4,850 4.62%
    38% 190 $36,530,000 $192,263 $4,260 4.60%
    39% 184 $36,960,000 $200,870 $4,612 4.64%
    45% 181 $36,845,000 $203,564 $4,252 4.65%
    36% 181 $35,755,000 $197,541 $4,401 4.61%
    48% 178 $40,390,000 $226,910 $4,494 4.68%
    46% 170 $35,380,000 $208,118 $4,154 4.67%
    47% 169 $37,755,000 $223,402 $4,470 4.63%
    >60% 27 $8,165,000 $302,407 $8,432 4.48%

    Guaranty Home Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 917 originations. The next most common DTI ratio? 20-30%, with 915 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,471 $899,395,000 $201,162 $4,405 4.59%
    Not provided 415 $97,555,000 $235,072 $4,800 4.68%
    Black 276 $51,540,000 $186,739 $5,247 4.61%
    Asian 200 $49,820,000 $249,100 $4,728 4.51%
    American Indian 14 $2,880,000 $205,714 $5,218 4.80%
    Native Hawaiian or Islander 4 $880,000 $220,000 $4,053 4.56%
    Other Asian 4 $720,000 $180,000 $5,564 4.41%
    Not applicable 1 $595,000 $595,000 $3,134 4.75%
    Asian Indian 1 $485,000 $485,000 $4,092 4.38%

    Approval Rates

    Total approvals of all applications
    94.59%

    Guaranty Home Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.60%

    Guaranty Home Mortgage Corporation has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,386 $1,103,870,000 $204,952

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 5,386 $1,103,870,000 $204,952

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 97 $13,395,000 $138,093 $2,835 4.52%
    40-60% 323 $59,535,000 $184,319 $3,198 4.54%
    60-80% 1,284 $280,130,000 $218,170 $3,740 4.71%
    80-100% 3,491 $705,235,000 $202,015 $4,762 4.58%
    Over 100% 143 $35,215,000 $246,259 $8,988 4.41%
    Under 20% 12 $1,270,000 $105,833 $3,291 4.76%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    GUARANTEED HOME MORTGAGE COMPANY Other type of mortgage Trouble during payment process 1 100.0%