Guaranty Home Mortgage Corporation Rates, Fees & Info

NASHVILLE, TN

LEI: 5493005HCI0Y8LUK5S48

Tax ID: 62-1259997

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Mortgage Data

Review & Overview

Guaranty Home Mortgage Corporation is a small mortgage company specializing in Home Purchase and Refi loans. Guaranty Home Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Dallas, Knoxville, Pensacola, and Denver among others. We have data for 242 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 an average 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% 4/21/24
30 Year Conventional Refi 6.60% 4/21/24
30 Year Cash-out Refi 6.85% 4/21/24
30 Year FHA Purchase 7.30% 4/21/24
30 Year FHA Refi 7.29% 4/21/24
30 Year VA Purchase 6.13% 4/21/24
30 Year VA Refi 6.27% 4/21/24
30 Year USDA Purchase 6.77% 4/21/24
30 Year USDA Refi 6.57% 4/21/24
15 Year Conventional Purchase 6.15% 4/21/24
15 Year Conventional Refi 6.06% 4/21/24
15 Year Cash-out Refi 6.06% 4/21/24
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

6,713

Origination Dollar Volume (All Markets)

$1,537,255,000
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) 874 $231,220,000 $264,554 $4,532 4.15%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 394 $119,000,000 $302,030 $4,328 3.80%
KNOXVILLE, TN (FHA|USDA|VA) 505 $92,275,000 $182,723 $5,119 4.04%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 325 $83,965,000 $258,354 $5,127 4.12%
Outside of Metro Areas 423 $67,435,000 $159,421 $4,348 4.07%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 186 $64,420,000 $346,344 $4,463 3.96%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 217 $51,805,000 $238,733 $4,298 4.01%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 260 $51,470,000 $197,962 $4,372 4.29%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 215 $51,395,000 $239,047 $2,809 3.82%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 216 $39,460,000 $182,685 $3,827 4.27%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 189 $37,995,000 $201,032 $6,699 4.01%
OKLAHOMA CITY, OK (FHA|USDA|VA) 178 $37,990,000 $213,427 $4,787 4.12%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 128 $35,250,000 $275,391 $3,572 4.02%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 106 $27,080,000 $255,472 $4,799 4.07%
JACKSONVILLE, FL (FHA|USDA|VA) 112 $26,160,000 $233,571 $4,987 4.09%
ASHEVILLE, NC (FHA|USDA|VA) 92 $23,370,000 $254,022 $4,123 3.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 66 $22,320,000 $338,182 $5,745 4.11%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 73 $19,045,000 $260,890 $4,294 3.59%
COLUMBUS, OH (FHA|USDA|VA) 73 $17,575,000 $240,753 $2,950 4.02%
MOBILE, AL (FHA|USDA|VA) 110 $17,440,000 $158,545 $4,259 4.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 70 $16,380,000 $234,000 $4,142 4.30%
BOULDER, CO (FHA|USDA|VA) 37 $15,355,000 $415,000 $4,597 4.02%
GREELEY, CO (FHA|USDA|VA) 46 $14,760,000 $320,870 $5,643 3.98%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 36 $12,630,000 $350,833 $6,612 3.96%
BRUNSWICK, GA (FHA|USDA|VA) 67 $11,895,000 $177,537 $5,100 3.88%
FORT COLLINS, CO (FHA|USDA|VA) 37 $11,825,000 $319,595 $4,205 4.06%
MORRISTOWN, TN (FHA|USDA|VA) 67 $11,395,000 $170,075 $4,527 3.94%
FLORENCE, SC (FHA|USDA|VA) 55 $10,875,000 $197,727 $5,459 4.37%
BATON ROUGE, LA (FHA|USDA|VA) 50 $10,850,000 $217,000 $5,567 3.98%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $10,000,000 $294,118 $6,548 3.91%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 33 $9,915,000 $300,455 $4,631 3.95%
JACKSON, TN (FHA|USDA|VA) 60 $9,590,000 $159,833 $4,279 4.04%
CUMBERLAND, MD-WV (FHA|USDA|VA) 69 $9,375,000 $135,870 $4,278 3.99%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 42 $8,260,000 $196,667 $5,468 4.19%
ALEXANDRIA, LA (FHA|USDA|VA) 44 $8,110,000 $184,318 $5,690 4.20%
LOUISVILLE, KY (FHA|USDA|VA) 33 $7,585,000 $229,848 $3,266 3.80%
TULSA, OK (FHA|USDA|VA) 38 $7,300,000 $192,105 $4,908 4.16%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 37 $7,225,000 $195,270 $3,960 4.08%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 36 $7,160,000 $198,889 $4,920 4.09%
Sevierville, TN (FHA|USDA|VA) 38 $7,110,000 $187,105 $5,536 3.86%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $7,035,000 $260,556 $6,429 3.74%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 39 $6,585,000 $168,846 $4,452 3.99%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $6,165,000 $324,474 $5,770 3.80%
Madisonville, KY (FHA|USDA|VA) 51 $6,095,000 $119,510 $3,099 4.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 33 $5,775,000 $175,000 $4,498 4.22%
JOHNSON CITY, TN (FHA|USDA|VA) 35 $5,475,000 $156,429 $4,341 4.08%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 21 $4,745,000 $225,952 $4,246 4.04%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 22 $4,310,000 $195,909 $3,775 3.78%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 14 $4,260,000 $304,286 $5,503 4.12%
RALEIGH-CARY, NC (FHA|USDA|VA) 13 $4,145,000 $318,846 $4,918 3.98%
HUNTSVILLE, AL (FHA|USDA|VA) 20 $4,070,000 $203,500 $4,709 3.97%
MONTGOMERY, AL (FHA|USDA|VA) 22 $3,940,000 $179,091 $4,902 4.30%
COLORADO SPRINGS, CO (FHA|USDA|VA) 13 $3,875,000 $298,077 $4,127 4.21%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 13 $3,815,000 $293,462 $8,708 4.20%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $3,550,000 $295,833 $6,367 3.91%
Lewisburg, TN (FHA|USDA|VA) 19 $3,535,000 $186,053 $4,653 4.31%
Shelbyville, TN (FHA|USDA|VA) 19 $3,335,000 $175,526 $4,440 4.42%
Statesboro, GA (FHA|USDA|VA) 15 $3,215,000 $214,333 $4,123 3.97%
RICHMOND, VA (FHA|USDA|VA) 12 $3,180,000 $265,000 $5,343 3.94%
Cookeville, TN (FHA|USDA|VA) 21 $3,055,000 $145,476 $4,055 4.00%
LYNCHBURG, VA (FHA|USDA|VA) 13 $2,755,000 $211,923 $3,013 3.79%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,580,000 $258,000 $6,526 4.24%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,575,000 $367,857 $4,398 4.23%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $2,560,000 $320,000 $5,440 4.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 13 $2,535,000 $195,000 $3,450 4.16%
DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $2,535,000 $230,455 $4,422 4.07%
COLUMBIA, SC (FHA|USDA|VA) 12 $2,530,000 $210,833 $4,711 3.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $2,455,000 $188,846 $4,004 4.11%
Richmond-Berea, KY (FHA|USDA|VA) 14 $2,350,000 $167,857 $3,294 4.11%
GAINESVILLE, GA (FHA|USDA|VA) 10 $2,250,000 $225,000 $5,446 3.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $2,220,000 $222,000 $6,892 3.96%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,085,000 $231,667 $8,176 4.07%
Georgetown, SC (FHA|USDA|VA) 9 $2,055,000 $228,333 $4,476 4.14%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,040,000 $340,000 $3,751 3.67%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $1,940,000 $242,500 $4,364 3.64%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $1,875,000 $267,857 $3,340 4.02%
Lawrenceburg, TN (FHA|USDA|VA) 13 $1,825,000 $140,385 $3,919 4.18%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $1,760,000 $293,333 $4,295 4.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 11 $1,725,000 $156,818 $5,389 4.33%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $1,690,000 $211,250 $4,937 3.48%
St. Marys, GA (FHA|USDA|VA) 6 $1,620,000 $270,000 $5,879 3.71%
Dublin, GA (FHA|USDA|VA) 8 $1,610,000 $201,250 $3,928 3.88%
Brevard, NC (FHA|USDA|VA) 7 $1,535,000 $219,286 $4,942 4.00%
Frankfort, KY (FHA|USDA|VA) 8 $1,460,000 $182,500 $4,599 3.83%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,450,000 $241,667 $2,268 3.75%
Shawnee, OK (FHA|USDA|VA) 9 $1,365,000 $151,667 $4,848 4.21%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $1,350,000 $225,000 $3,851 4.25%
Natchez, MS-LA (FHA|USDA|VA) 14 $1,340,000 $95,714 $3,728 4.05%
Newport, TN (FHA|USDA|VA) 5 $1,295,000 $259,000 $5,524 3.95%
Jefferson, GA (FHA|USDA|VA) 4 $1,260,000 $315,000 $3,975 3.90%
Edwards, CO (FHA|USDA|VA) 3 $1,245,000 $415,000 $3,866 4.42%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,235,000 $176,429 $4,202 4.16%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,235,000 $247,000 $5,187 3.87%
JACKSON, MS (FHA|USDA|VA) 4 $1,200,000 $300,000 $3,732 3.69%
STAUNTON, VA (FHA|USDA|VA) 4 $1,180,000 $295,000 $7,887 4.09%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,180,000 $196,667 $4,948 4.23%
Jasper, IN (FHA|USDA|VA) 8 $1,150,000 $143,750 $3,151 4.38%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,924 4.81%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,090,000 $272,500 $9,848 3.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,359 3.75%
JACKSONVILLE, NC (FHA|USDA|VA) 5 $1,025,000 $205,000 $6,732 3.88%
Steamboat Springs, CO (FHA|USDA|VA) 3 $995,000 $331,667 $2,484 3.79%
SPARTANBURG, SC (FHA|USDA|VA) 6 $940,000 $156,667 $5,934 4.31%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $930,000 $232,500 $5,479 3.78%
Crossville, TN (FHA|USDA|VA) 8 $920,000 $115,000 $3,572 4.05%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $915,000 $305,000 $5,050 4.41%
COLUMBUS, GA-AL (FHA|USDA|VA) 7 $905,000 $129,286 $4,681 3.86%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $900,000 $225,000 $3,491 4.31%
Wilmington, OH (FHA|USDA|VA) 5 $895,000 $179,000 $5,397 4.25%
Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $895,000 $298,333 $6,145 4.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 8 $880,000 $110,000 $3,701 3.97%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $875,000 $175,000 $3,929 3.85%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $875,000 $291,667 $8,578 3.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $830,000 $415,000 $2,711 3.88%
Breckenridge, CO (FHA|USDA|VA) 2 $800,000 $400,000 $3,166 4.12%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $795,000 $265,000 $3,790 4.25%
Athens, TN (FHA|USDA|VA) 5 $775,000 $155,000 $5,455 4.28%
ALBANY, GA (FHA|USDA|VA) 5 $765,000 $153,000 $4,603 4.00%
Thomasville, GA (FHA|USDA|VA) 6 $730,000 $121,667 $4,473 4.02%
Milledgeville, GA (FHA|USDA|VA) 4 $730,000 $182,500 $4,175 4.03%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $725,000 $241,667 $3,190 4.33%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $665,000 $133,000 $2,792 4.58%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $645,000 $215,000 $3,773 3.83%
McMinnville, TN (FHA|USDA|VA) 4 $640,000 $160,000 $4,901 4.47%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $640,000 $320,000 $4,678 4.31%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $620,000 $310,000 $2,598 3.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $610,000 $305,000 $4,457 3.94%
HARRISONBURG, VA (FHA|USDA|VA) 2 $590,000 $295,000 $5,167 4.00%
Easton, MD (FHA|USDA|VA) 2 $590,000 $295,000 $9,655 3.69%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $585,000 $195,000 $4,759 4.17%
London, KY (FHA|USDA|VA) 4 $580,000 $145,000 $3,666 4.13%
Danville, KY (FHA|USDA|VA) 3 $555,000 $185,000 $3,975 4.08%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $550,000 $275,000 $2,345 3.94%
Forest City, NC (FHA|USDA|VA) 3 $545,000 $181,667 $4,966 4.33%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $540,000 $270,000 $2,187 3.88%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $535,000 $178,333 $3,908 4.75%
PROVO-OREM, UT (FHA|USDA|VA) 2 $500,000 $250,000 $4,631 3.88%
Cullman, AL (FHA|USDA|VA) 2 $490,000 $245,000 $6,742 4.19%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $485,000 $485,000 $9,672 4.13%
SUMTER, SC (FHA|USDA|VA) 3 $465,000 $155,000 $5,067 4.62%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $455,000 $455,000 $9,245 4.25%
Greeneville, TN (FHA|USDA|VA) 3 $445,000 $148,333 $6,589 3.96%
OWENSBORO, KY (FHA|USDA|VA) 2 $440,000 $220,000 $2,779 3.94%
Glasgow, KY (FHA|USDA|VA) 2 $440,000 $220,000 $4,581 4.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $435,000 $145,000 $5,298 3.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $435,000 $145,000 $4,907 3.96%
Union City, TN (FHA|USDA|VA) 3 $435,000 $145,000 $3,046 3.75%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $430,000 $215,000 $3,463 4.06%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $420,000 $210,000 $4,584 4.25%
FLINT, MI (FHA|USDA|VA) 2 $410,000 $205,000 $5,696 4.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $405,000 $135,000 $3,969 4.33%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $405,000 $135,000 $3,556 3.83%
Martinsville, VA (FHA|USDA|VA) 2 $400,000 $200,000 $5,900 4.13%
Lake City, FL (FHA|USDA|VA) 2 $400,000 $200,000 $3,958 4.19%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $395,000 $395,000 $16,159 4.13%
GREENVILLE, NC (FHA|USDA|VA) 1 $395,000 $395,000 $3,136 4.00%
MADISON, WI (FHA|USDA|VA) 2 $390,000 $195,000 $5,219 4.13%
ANN ARBOR, MI (FHA|USDA|VA) 1 $375,000 $375,000 $6,762 3.50%
Newberry, SC (FHA|USDA|VA) 1 $375,000 $375,000 $7,964 4.88%
BEND, OR (FHA|USDA|VA) 1 $355,000 $355,000 $7,032 3.00%
Mount Sterling, KY (FHA|USDA|VA) 3 $355,000 $118,333 $3,258 4.33%
Cullowhee, NC (FHA|USDA|VA) 1 $345,000 $345,000 $6,766 3.50%
Fort Morgan, CO (FHA|USDA|VA) 1 $315,000 $315,000 $8,628 3.50%
Dayton, TN (FHA|USDA|VA) 3 $315,000 $105,000 $4,418 4.17%
PUEBLO, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,626 3.88%
Somerset, KY (FHA|USDA|VA) 1 $305,000 $305,000 $2,892 3.88%
Miami, OK (FHA|USDA|VA) 1 $295,000 $295,000 $10,200 4.50%
North Wilkesboro, NC (FHA|USDA|VA) 1 $285,000 $285,000 $9,572 3.63%
Albertville, AL (FHA|USDA|VA) 3 $285,000 $95,000 $3,536 4.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $280,000 $140,000 $5,640 3.75%
Heber, UT (FHA|USDA|VA) 1 $275,000 $275,000 $3,727 3.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $275,000 $275,000 $8,077 3.88%
Washington, IN (FHA|USDA|VA) 3 $275,000 $91,667 $2,891 4.29%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $265,000 $265,000 $5,979 4.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $265,000 $265,000 $12,538 3.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,048 3.75%
Athens, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,526 4.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $8,334 5.00%
Big Stone Gap, VA (FHA|USDA|VA) 3 $255,000 $85,000 $3,420 3.75%
Bainbridge, GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,543 3.63%
Marion, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,666 3.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,947 4.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $6,260 3.50%
GREEN BAY, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,364 3.99%
Bartlesville, OK (FHA|USDA|VA) 1 $225,000 $225,000 $7,526 4.50%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $220,000 $110,000 $3,455 4.88%
AKRON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,723 5.38%
Selma, AL (FHA|USDA|VA) 1 $215,000 $215,000 $4,939 5.25%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,092 3.99%
MIDLAND, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,245 4.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,161 4.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,067 4.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,615 4.50%
TYLER, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,170 4.00%
GOLDSBORO, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,968 4.13%
Paris, TN (FHA|USDA|VA) 2 $190,000 $95,000 $4,369 4.44%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,702 3.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $8,165 3.88%
Sterling, CO (FHA|USDA|VA) 1 $185,000 $185,000 $6,807 2.75%
Natchitoches, LA (FHA|USDA|VA) 1 $185,000 $185,000 $3,871 3.88%
Bellefontaine, OH (FHA|USDA|VA) 1 $185,000 $185,000 $1,783 3.63%
GADSDEN, AL (FHA|USDA|VA) 1 $185,000 $185,000 $5,795 4.38%
Greensburg, IN (FHA|USDA|VA) 1 $185,000 $185,000 $5,052 3.88%
Morehead City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,104 3.63%
Alexander City, AL (FHA|USDA|VA) 2 $170,000 $85,000 $3,411 4.44%
ROANOKE, VA (FHA|USDA|VA) 1 $165,000 $165,000 $2,636 5.25%
Duncan, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,751 3.25%
Dyersburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $5,780 4.13%
Stevens Point, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,223 3.25%
Warsaw, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,367 3.99%
Calhoun, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,073 4.75%
SAGINAW, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,727 3.99%
Paducah, KY-IL (FHA|USDA|VA) 2 $150,000 $75,000 $4,749 4.44%
Ada, OK (FHA|USDA|VA) 1 $145,000 $145,000 $8,093 3.63%
Sidney, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,172 4.38%
Celina, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,258 4.50%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,679 3.75%
Moultrie, GA (FHA|USDA|VA) 1 $145,000 $145,000 $8,570 4.88%
Jasper, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,499 4.25%
ROME, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,202 4.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,998 3.99%
Fort Payne, AL (FHA|USDA|VA) 1 $135,000 $135,000 $6,234 4.25%
CLEVELAND, TN (FHA|USDA|VA) 1 $135,000 $135,000 $5,035 4.13%
Cedartown, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,091 4.50%
Gaffney, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,116 4.75%
Scottsboro, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,300 4.00%
Atmore, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,645 4.38%
Ashland, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,738 4.38%
DECATUR, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,035 3.99%
Weatherford, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,676 3.99%
Bardstown, KY (FHA|USDA|VA) 1 $105,000 $105,000 $5,562 4.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,478 3.75%
Eufaula, AL-GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,876 4.75%
Tifton, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,827 4.88%
McComb, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,788 3.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,162 4.00%
Frankfort, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,841 3.88%
Summerville, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,715 3.50%
Wooster, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,829 3.88%
Waycross, GA (FHA|USDA|VA) 1 $75,000 $75,000 $2,413 4.00%
Martin, TN (FHA|USDA|VA) 1 $55,000 $55,000 $3,503 4.63%
Vicksburg, MS (FHA|USDA|VA) 1 $45,000 $45,000 $3,531 3.88%
Guaranty Home Mortgage Corporation's top markets include Nashville, Dallas, Knoxville, Pensacola, and Denver among others.

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

    We use machine learning to identify the top lenders compared against GUARANTY HOME MORTGAGE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,072 $1,010,130,000 $248,067 $3,623 4.09%
    FHA 1,386 $259,820,000 $187,460 $6,356 4.00%
    VA 821 $204,515,000 $249,105 $6,445 3.93%
    USDA 434 $62,790,000 $144,677 $4,636 4.11%

    For 2019, Guaranty Home Mortgage Corporation's most frequently originated type of loan was Conventional, with 4,072 originations. Their 2nd most popular type was FHA, with 1,386 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,539 $998,005,000 $219,873 $4,844 4.10%
    Refi 1,230 $337,560,000 $274,439 $3,632 3.84%
    Cash Out Refi 940 $200,760,000 $213,574 $4,678 4.11%
    Home Improvement 4 $930,000 $232,500 $2,862 4.81%

    For 2019, Guaranty Home Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 4,539 originations. The 2nd most popular reason was Refi, with 1,230 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,915 $1,362,945,000 $230,422 $4,753 4.10%
    15 Year 608 $135,860,000 $223,454 $3,490 3.59%
    20 Year 139 $28,065,000 $201,906 $3,217 4.26%
    Other 27 $6,565,000 $243,148 $3,899 4.11%
    10 Year 24 $3,820,000 $159,167 $3,007 3.59%

    For 2019, Guaranty Home Mortgage Corporation's most frequently cited loan duration was 30 Year, with 5,915 originations. The 2nd most popular length was 15 Year, with 608 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,418 $812,020,000 $237,572
    $1k-2k 1,546 $330,810,000 $213,978
    $2k-3k 543 $108,075,000 $199,033
    $3k-4k 317 $67,415,000 $212,666
    $5k+ 197 $74,895,000 $380,178
    $4k-5k 184 $46,040,000 $250,217

    Guaranty Home Mortgage Corporation's average total fees were $4,753, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,418 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,855 $932,815,000 $241,975
    4-5% 2,549 $536,635,000 $210,528
    5-6% 207 $40,175,000 $194,082
    2.5-3% 90 $26,460,000 $294,000
    6-7% 6 $870,000 $145,000
    7-8% 3 $185,000 $61,667
    Over 8% 3 $115,000 $38,333

    During 2019, Guaranty Home Mortgage Corporation's average interest rate for loans was 4.10%, while their most frequently originated rate bucket for loans was 3-4%, with 3,855 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,929 $810,025,000 $276,553 $5,002 3.96%
    $100k-200k 2,661 $406,425,000 $152,734 $4,207 4.11%
    $100,000 or less 550 $43,180,000 $78,509 $3,328 4.35%
    $400k-600k 540 $246,450,000 $456,389 $5,209 3.95%
    $600k-1MM 21 $15,225,000 $725,000 $10,176 4.27%
    $1MM+ 12 $15,950,000 $1,329,167 $13,163 4.35%

    2019 saw Guaranty Home Mortgage Corporation place emphasis on $200k-400k loans with 2,929 originations, totaling $810,025,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,795 $345,825,000 $192,660 $4,819 4.06%
    $50k or less 1,460 $201,090,000 $137,733 $4,239 4.14%
    $100k-150k 1,301 $368,215,000 $283,025 $4,566 4.01%
    $75k-100k 1,145 $273,315,000 $238,703 $4,781 4.02%
    $150k-250k 769 $253,575,000 $329,746 $4,469 4.00%
    $250k+ 231 $92,615,000 $400,931 $4,909 4.02%

    Guaranty Home Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 1,795 originations. The second most popular income band? $50k or less, with 1,460 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,295 $293,125,000 $226,351 $4,140 4.01%
    30-36% 1,195 $272,285,000 $227,854 $4,369 4.07%
    50-60% 537 $120,685,000 $224,739 $6,516 3.98%
    <20% 405 $93,865,000 $231,765 $3,819 3.93%
    44% 274 $59,950,000 $218,796 $4,520 4.13%
    39% 272 $61,100,000 $224,632 $4,622 4.09%
    40% 263 $60,315,000 $229,335 $4,264 4.18%
    43% 260 $58,520,000 $225,077 $4,689 4.10%
    41% 252 $54,560,000 $216,508 $4,638 4.10%
    38% 242 $55,000,000 $227,273 $4,699 4.02%
    37% 237 $55,005,000 $232,089 $4,618 4.13%
    42% 232 $53,200,000 $229,310 $4,590 4.10%
    36% 232 $52,770,000 $227,457 $4,571 4.06%
    45% 208 $50,760,000 $244,038 $4,749 4.16%
    49% 200 $47,640,000 $238,200 $4,607 4.05%
    46% 182 $43,920,000 $241,319 $4,555 4.07%
    48% 179 $43,865,000 $245,056 $4,920 4.07%
    47% 173 $39,715,000 $229,566 $4,942 4.04%
    >60% 36 $11,360,000 $315,556 $7,040 3.96%

    Guaranty Home Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 1,295 originations. The next most common DTI ratio? 30-36%, with 1,195 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,220 $1,168,180,000 $223,789 $4,551 4.06%
    Not provided 658 $159,820,000 $242,888 $5,040 4.09%
    Asian 487 $139,085,000 $285,595 $4,062 3.81%
    Black 325 $65,295,000 $200,908 $5,248 4.18%
    American Indian 13 $2,655,000 $204,231 $5,260 4.13%
    Native Hawaiian or Islander 5 $935,000 $187,000 $3,146 3.88%
    Asian Indian 1 $485,000 $485,000 $7,228 3.75%
    Other Asian 2 $480,000 $240,000 $4,978 4.88%
    Other Pacific Islander 1 $175,000 $175,000 $3,649 3.99%
    Not applicable 1 $145,000 $145,000 $3,134 4.25%

    Approval Rates

    Total approvals of all applications
    95.49%

    Guaranty Home Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.22%

    Guaranty Home Mortgage Corporation has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,713 $1,537,255,000 $228,997

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 6,713 $1,537,255,000 $228,997

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 147 $21,295,000 $144,864 $2,993 4.06%
    40-60% 466 $103,270,000 $221,609 $3,382 3.87%
    60-80% 1,941 $485,225,000 $249,987 $3,864 4.07%
    80-100% 3,927 $872,155,000 $222,092 $4,926 4.06%
    Over 100% 203 $51,765,000 $255,000 $9,456 3.94%
    Under 20% 25 $2,345,000 $93,800 $1,996 5.67%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    GUARANTEED HOME MORTGAGE COMPANY FHA mortgage Struggling to pay mortgage 1 100.0%