Guild Mortgage Company Rates, Fees & Info

SAN DIEGO, CA

LEI: 549300AQ3T62GXDU7D76

Tax ID: 95-2146137

2020 Data | 2019 Data | 2018 Data


Overview

Guild Mortgage Company is a large mortgage company specializing in Home Purchase and Refi loans. Guild Mortgage Company 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 include Seattle, Portland, Sacramento, St. Louis, and Denver among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Guild Mortgage Company is typically an average fee lendor.


Originations

130,498

Origination Dollar Volume (All Markets)

$34,954,020,000

Relative Rate

Guild Mortgage Company's average 30 year fixed rate mortgage was 3.15%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.21%.

Relative Fees

Guild Mortgage Company's average total fees for a 30 year fixed rate mortgage are $5,763.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 93,994 $25,354,940,000 $269,751 $4,452 3.04%
FHA 21,063 $5,184,505,000 $246,143 $9,351 3.29%
VA 13,031 $3,977,065,000 $305,200 $6,630 2.98%
USDA 2,410 $437,510,000 $181,539 $5,998 3.22%

For the 2020 period, Guild Mortgage Company's most frequently originated loan type was Conventional, with 93,994 originations. Their 2nd most popular type is FHA, with 21,063 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 64,324 $16,083,500,000 $250,039 $6,582 2.99%
Refi 44,288 $12,681,180,000 $286,334 $4,292 3.09%
Cash Out Refi 21,884 $6,188,950,000 $282,807 $4,967 3.28%
Home Improvement 2 $390,000 $195,000 $3,459 3.44%

For the 2020, Guild Mortgage Company's most frequently cited loan purpose was Home Purchase, with 64,324 originations. The 2nd most popular reason was Refi, with 44,288 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 113,955 $31,609,425,000 $277,385 $5,761 3.14%
15 Year 8,093 $1,789,335,000 $221,097 $3,745 2.83%
20 Year 3,540 $876,530,000 $247,607 $3,879 3.07%
Other 2,164 $576,680,000 $266,488 $3,795 2.93%
3 Year 1,529 $12,685,000 $8,296 $0 0.00%
10 Year 1,150 $88,790,000 $77,209 $1,532 3.17%
5 Year 67 $575,000 $8,582 $89 0.00%

For the 2020, Guild Mortgage Company's most frequently cited loan length was 30 Year, with 113,955 originations. The 2nd most popular length was 15 Year, with 8,093 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 62,371 $17,559,025,000 $281,525
$3k-4k 25,038 $7,023,800,000 $280,526
$2k-3k 20,421 $4,870,575,000 $238,508
$5k+ 10,870 $4,251,320,000 $391,106
$<1k 9,021 $1,227,465,000 $136,068

$5,763 was Guild Mortgage Company's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 62,371 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 15,485 $3,407,355,000 $220,042 $5,282 3.12%
SEATTLE-BELLEVUE-KENT, WA 6,303 $2,693,475,000 $427,332 $5,552 3.07%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 7,561 $2,502,865,000 $331,023 $5,964 3.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 5,649 $1,888,725,000 $334,347 $5,403 3.05%
ST. LOUIS, MO-IL 8,364 $1,807,680,000 $216,126 $3,178 3.12%
DENVER-AURORA-LAKEWOOD, CO 4,669 $1,443,325,000 $309,129 $5,145 2.87%
LAS VEGAS-HENDERSON-PARADISE, NV 5,200 $1,347,030,000 $259,044 $6,575 2.98%
PHOENIX-MESA-CHANDLER, AZ 4,170 $1,062,310,000 $254,751 $5,314 3.12%
RENO, NV 3,373 $979,005,000 $290,248 $6,360 3.13%
OAKLAND-BERKELEY-LIVERMORE, CA 1,759 $766,635,000 $435,836 $5,800 3.12%
COLUMBIA, SC 3,484 $704,340,000 $202,164 $4,432 3.05%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 1,772 $693,360,000 $391,287 $6,410 3.02%
TACOMA-LAKEWOOD, WA 2,176 $682,470,000 $313,635 $6,059 2.97%
BOISE CITY, ID 2,624 $644,970,000 $245,796 $5,838 3.11%
LOS ANGELES-LONG BEACH-GLENDALE, CA 1,353 $539,165,000 $398,496 $7,976 3.12%
DALLAS-PLANO-IRVING, TX 2,404 $523,270,000 $217,666 $7,005 2.85%
TUCSON, AZ 2,660 $512,770,000 $192,771 $6,282 2.93%
KANSAS CITY, MO-KS 1,894 $461,910,000 $243,881 $3,230 3.19%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 1,948 $379,580,000 $194,856 $6,955 2.84%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 1,285 $366,195,000 $284,977 $6,151 2.99%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 682 $336,350,000 $493,182 $5,770 3.18%
SAN ANTONIO-NEW BRAUNFELS, TX 1,428 $322,290,000 $225,693 $6,932 3.04%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 1,120 $316,950,000 $282,991 $6,692 2.98%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 1,350 $305,590,000 $226,363 $7,500 2.96%
SALT LAKE CITY, UT 963 $289,745,000 $300,877 $4,728 3.13%
SALEM, OR 1,068 $289,710,000 $271,264 $5,810 3.25%
MEDFORD, OR 982 $269,440,000 $274,379 $5,851 3.26%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 1,284 $269,410,000 $209,821 $4,958 3.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,014 $249,740,000 $246,292 $7,063 3.12%
OXNARD-THOUSAND OAKS-VENTURA, CA 554 $241,520,000 $435,957 $6,390 3.21%
ANAHEIM-SANTA ANA-IRVINE, CA 488 $238,930,000 $489,611 $6,334 3.11%
LONGVIEW, WA 955 $222,615,000 $233,105 $4,716 2.97%
MONTGOMERY, AL 1,055 $221,195,000 $209,664 $4,869 3.10%
PRESCOTT VALLEY-PRESCOTT, AZ 875 $219,225,000 $250,543 $5,577 3.12%
ST. GEORGE, UT 837 $215,635,000 $257,628 $6,429 3.26%
SPOKANE-SPOKANE VALLEY, WA 963 $213,405,000 $221,604 $4,734 2.88%
OLYMPIA-LACEY-TUMWATER, WA 704 $205,160,000 $291,420 $5,660 3.01%
LOGAN, UT-ID 887 $203,585,000 $229,521 $5,857 3.17%
CHARLESTON-NORTH CHARLESTON, SC 810 $201,860,000 $249,210 $4,776 3.10%
BEND, OR 632 $201,790,000 $319,288 $6,511 3.20%
SANTA MARIA-SANTA BARBARA, CA 558 $194,730,000 $348,978 $6,378 3.13%
BAKERSFIELD, CA 922 $194,450,000 $210,900 $5,638 2.93%
OGDEN-CLEARFIELD, UT 707 $178,515,000 $252,496 $5,161 3.16%
URBAN HONOLULU, HI 350 $173,440,000 $495,543 $10,008 3.12%
EUGENE-SPRINGFIELD, OR 640 $170,230,000 $265,984 $5,028 3.24%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 680 $167,450,000 $246,250 $5,405 3.22%
MADISON, WI 645 $166,205,000 $257,682 $5,479 3.10%
BIRMINGHAM-HOOVER, AL 725 $161,355,000 $222,559 $4,529 3.23%
YUMA, AZ 815 $138,615,000 $170,080 $5,482 3.10%
WENATCHEE, WA 466 $128,140,000 $274,979 $4,889 3.10%
OMAHA-COUNCIL BLUFFS, NE-IA 618 $124,940,000 $202,168 $3,339 3.06%
BELLINGHAM, WA 389 $124,185,000 $319,242 $4,322 3.08%
ALBUQUERQUE, NM 565 $114,185,000 $202,097 $4,979 3.32%
GREELEY, CO 435 $111,225,000 $255,690 $5,550 2.66%
AUGUSTA-RICHMOND COUNTY, GA-SC 611 $111,015,000 $181,694 $6,467 3.18%
VALLEJO, CA 315 $105,615,000 $335,286 $7,029 2.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 430 $105,230,000 $244,721 $5,414 3.15%
SAVANNAH, GA 518 $104,480,000 $201,699 $5,321 3.07%
TWIN FALLS, ID 576 $103,730,000 $180,087 $5,860 3.15%
SANTA ROSA-PETALUMA, CA 237 $102,605,000 $432,932 $5,604 3.13%
SHERMAN-DENISON, TX 539 $98,555,000 $182,848 $6,163 3.13%
GRAND JUNCTION, CO 472 $95,740,000 $202,839 $4,346 2.94%
CARSON CITY, NV 371 $95,275,000 $256,806 $5,597 3.14%
MOUNT VERNON-ANACORTES, WA 312 $93,010,000 $298,109 $5,265 2.92%
SIERRA VISTA-DOUGLAS, AZ 507 $92,145,000 $181,746 $4,306 3.12%
CORPUS CHRISTI, TX 511 $91,805,000 $179,658 $7,347 2.97%
PROVO-OREM, UT 323 $87,335,000 $270,387 $5,321 3.24%
ANCHORAGE, AK 267 $83,125,000 $311,330 $7,226 2.94%
GRANTS PASS, OR 308 $82,750,000 $268,669 $7,164 3.17%
LONGVIEW, TX 469 $78,025,000 $166,365 $6,366 2.96%
YUBA CITY, CA 276 $76,760,000 $278,116 $5,928 3.05%
COLORADO SPRINGS, CO 311 $74,295,000 $238,891 $5,100 2.65%
WARNER ROBINS, GA 438 $73,400,000 $167,580 $5,741 3.17%
STOCKTON, CA 228 $69,400,000 $304,386 $6,073 2.96%
FRESNO, CA 305 $67,385,000 $220,934 $5,328 3.07%
OKLAHOMA CITY, OK 322 $67,230,000 $208,789 $5,780 3.19%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 205 $61,905,000 $301,976 $5,390 3.05%
FORT COLLINS, CO 203 $59,965,000 $295,394 $5,242 2.90%
MEMPHIS, TN-MS-AR 295 $59,185,000 $200,627 $5,976 3.23%
DES MOINES-WEST DES MOINES, IA 299 $57,845,000 $193,462 $3,593 3.06%
BILLINGS, MT 264 $57,300,000 $217,045 $6,451 2.93%
BEAUMONT-PORT ARTHUR, TX 275 $56,395,000 $205,073 $7,309 3.29%
TULSA, OK 255 $54,695,000 $214,490 $6,816 3.00%
KILLEEN-TEMPLE, TX 270 $54,230,000 $200,852 $6,178 3.30%
SAN LUIS OBISPO-PASO ROBLES, CA 128 $54,170,000 $423,203 $6,293 3.14%
BOULDER, CO 139 $53,805,000 $387,086 $5,414 3.12%
REDDING, CA 232 $52,800,000 $227,586 $4,994 3.09%
KENNEWICK-RICHLAND, WA 191 $50,695,000 $265,419 $5,870 3.04%
ORLANDO-KISSIMMEE-SANFORD, FL 191 $49,115,000 $257,147 $5,450 3.10%
SAN ANGELO, TX 224 $45,050,000 $201,116 $6,213 3.35%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 81 $44,615,000 $550,802 $5,733 3.14%
SALINAS, CA 101 $42,675,000 $422,525 $5,900 3.13%
MODESTO, CA 170 $41,660,000 $245,059 $5,256 2.92%
RICHMOND, VA 205 $40,815,000 $199,098 $5,704 2.91%
ALBANY-LEBANON, OR 153 $39,595,000 $258,791 $5,567 3.28%
CHEYENNE, WY 174 $39,470,000 $226,839 $5,924 2.73%
GREENVILLE-ANDERSON, SC 191 $38,985,000 $204,110 $5,012 3.16%
CHICO, CA 152 $38,060,000 $250,395 $5,591 3.07%
Outside of Metro Areas 122 $37,100,000 $304,098 $7,282 3.01%
COEUR D'ALENE, ID 122 $36,070,000 $295,656 $6,639 2.96%
AUBURN-OPELIKA, AL 160 $34,850,000 $217,813 $4,928 3.09%
COLUMBUS, GA-AL 176 $34,250,000 $194,602 $5,392 3.01%
CORVALLIS, OR 108 $33,260,000 $307,963 $5,293 3.30%
MISSOULA, MT 117 $32,875,000 $280,983 $5,369 3.13%
FAIRBANKS, AK 122 $32,010,000 $262,377 $5,355 2.95%
SPARTANBURG, SC 168 $30,420,000 $181,071 $5,862 3.37%
BATON ROUGE, LA 130 $30,140,000 $231,846 $5,225 3.17%
HARRISONBURG, VA 140 $29,440,000 $210,286 $2,863 3.16%
EL CENTRO, CA 161 $29,035,000 $180,342 $6,201 2.86%
SUMTER, SC 170 $27,020,000 $158,941 $5,525 2.89%
JACKSONVILLE, FL 157 $26,665,000 $169,841 $5,114 2.66%
TYLER, TX 146 $24,580,000 $168,356 $6,502 2.94%
SANTA CRUZ-WATSONVILLE, CA 44 $23,180,000 $526,818 $6,083 3.23%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 93 $22,945,000 $246,720 $4,245 2.98%
CHARLOTTESVILLE, VA 89 $22,065,000 $247,921 $4,515 2.96%
FLAGSTAFF, AZ 83 $20,675,000 $249,096 $4,920 3.16%
MACON-BIBB COUNTY, GA 154 $20,340,000 $132,078 $5,671 3.02%
MERCED, CA 91 $19,535,000 $214,670 $5,389 2.81%
LAKELAND-WINTER HAVEN, FL 108 $19,410,000 $179,722 $5,559 3.04%
LAKE HAVASU CITY-KINGMAN, AZ 79 $18,945,000 $239,810 $5,864 3.21%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 55 $18,475,000 $335,909 $6,048 3.01%
KNOXVILLE, TN 94 $18,110,000 $192,660 $5,130 3.29%
ALEXANDRIA, LA 108 $17,910,000 $165,833 $6,664 3.22%
CHICAGO-NAPERVILLE-EVANSTON, IL 70 $17,600,000 $251,429 $4,249 2.95%
JANESVILLE-BELOIT, WI 109 $17,335,000 $159,037 $5,503 3.15%
CEDAR RAPIDS, IA 83 $16,355,000 $197,048 $3,396 3.07%
VISALIA, CA 82 $14,560,000 $177,561 $5,410 2.92%
FARMINGTON, NM 92 $14,470,000 $157,283 $4,828 3.46%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 49 $14,175,000 $289,286 $5,473 3.08%
GADSDEN, AL 88 $13,560,000 $154,091 $5,391 3.18%
NEW ORLEANS-METAIRIE, LA 54 $13,360,000 $247,407 $6,094 3.31%
KAHULUI-WAILUKU-LAHAINA, HI 26 $12,800,000 $492,308 $8,343 3.37%
POCATELLO, ID 59 $11,605,000 $196,695 $4,952 3.09%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 51 $11,495,000 $225,392 $4,124 3.10%
MADERA, CA 43 $10,875,000 $252,907 $6,723 3.14%
LUBBOCK, TX 82 $10,870,000 $132,561 $7,508 2.56%
CAPE GIRARDEAU, MO-IL 69 $10,855,000 $157,319 $3,924 3.18%
YAKIMA, WA 51 $10,825,000 $212,255 $5,101 3.11%
PUEBLO, CO 69 $10,665,000 $154,565 $4,256 2.45%
WICHITA, KS 68 $10,650,000 $156,618 $4,243 3.21%
WALLA WALLA, WA 40 $10,110,000 $252,750 $5,646 3.39%
NAPA, CA 22 $10,010,000 $455,000 $5,526 3.32%
MILWAUKEE-WAUKESHA, WI 41 $9,865,000 $240,610 $4,289 3.14%
HINESVILLE, GA 53 $9,855,000 $185,943 $6,010 3.04%
SAN RAFAEL, CA 19 $9,745,000 $512,895 $4,610 3.05%
IDAHO FALLS, ID 42 $9,080,000 $216,190 $6,085 2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 33 $9,035,000 $273,788 $4,924 3.23%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 45 $8,745,000 $194,333 $3,618 3.02%
HILTON HEAD ISLAND-BLUFFTON, SC 28 $8,320,000 $297,143 $4,805 2.96%
COLLEGE STATION-BRYAN, TX 40 $8,280,000 $207,000 $6,320 3.06%
SIOUX CITY, IA-NE-SD 42 $8,260,000 $196,667 $7,840 3.18%
LINCOLN, NE 44 $8,080,000 $183,636 $2,709 3.05%
WACO, TX 47 $8,045,000 $171,170 $6,099 2.78%
RALEIGH-CARY, NC 29 $7,875,000 $271,552 $3,597 3.01%
ABILENE, TX 48 $7,840,000 $163,333 $5,626 3.07%
DOTHAN, AL 47 $7,715,000 $164,149 $4,976 3.34%
LAKE CHARLES, LA 34 $7,500,000 $220,588 $7,145 2.89%
NORTH PORT-SARASOTA-BRADENTON, FL 29 $7,315,000 $252,241 $5,632 3.06%
DUBUQUE, IA 39 $7,105,000 $182,179 $3,490 3.02%
DULUTH, MN-WI 35 $7,065,000 $201,857 $4,112 3.12%
ANNISTON-OXFORD, AL 38 $6,710,000 $176,579 $6,383 3.16%
ODESSA, TX 17 $6,525,000 $383,824 $10,566 3.27%
STAUNTON, VA 29 $6,445,000 $222,241 $3,671 3.16%
CINCINNATI, OH-KY-IN 27 $5,985,000 $221,667 $6,246 3.09%
FLORENCE, SC 29 $5,985,000 $206,379 $6,340 3.15%
SANTA FE, NM 22 $5,950,000 $270,455 $5,522 3.12%
MIDLAND, TX 22 $5,920,000 $269,091 $7,122 3.12%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 29 $5,895,000 $203,276 $5,234 3.00%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 13 $5,675,000 $436,538 $5,410 3.07%
PALM BAY-MELBOURNE-TITUSVILLE, FL 20 $5,640,000 $282,000 $7,668 3.06%
CHATTANOOGA, TN-GA 27 $5,505,000 $203,889 $4,657 3.43%
DALTON, GA 34 $5,500,000 $161,765 $5,714 3.45%
PENSACOLA-FERRY PASS-BRENT, FL 21 $5,085,000 $242,143 $5,179 2.91%
AMES, IA 27 $4,675,000 $173,148 $3,475 3.04%
SPRINGFIELD, MO 21 $4,295,000 $204,524 $3,860 3.15%
WATERLOO-CEDAR FALLS, IA 28 $4,180,000 $149,286 $3,431 3.12%
WICHITA FALLS, TX 18 $4,160,000 $231,111 $7,040 3.03%
COLUMBIA, MO 20 $4,130,000 $206,500 $2,585 3.27%
ASHEVILLE, NC 15 $4,075,000 $271,667 $3,300 3.25%
HUNTSVILLE, AL 16 $4,040,000 $252,500 $4,211 3.05%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 15 $3,945,000 $263,000 $5,018 3.23%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 14 $3,890,000 $277,857 $4,211 3.00%
TEXARKANA, TX-AR 21 $3,865,000 $184,048 $5,295 2.88%
HICKORY-LENOIR-MORGANTON, NC 17 $3,765,000 $221,471 $3,627 3.34%
DAPHNE-FAIRHOPE-FOLEY, AL 14 $3,680,000 $262,857 $4,337 3.23%
PORT ST. LUCIE, FL 8 $3,610,000 $451,250 $5,520 3.26%
ELGIN, IL 14 $3,560,000 $254,286 $4,427 2.93%
CAPE CORAL-FORT MYERS, FL 12 $3,410,000 $284,167 $4,900 3.07%
WINSTON-SALEM, NC 12 $3,170,000 $264,167 $4,111 3.24%
MOBILE, AL 18 $3,130,000 $173,889 $3,781 3.19%
ST. JOSEPH, MO-KS 18 $3,070,000 $170,556 $3,093 3.15%
NAPLES-MARCO ISLAND, FL 10 $3,030,000 $303,000 $4,541 2.89%
AMARILLO, TX 13 $2,995,000 $230,385 $5,947 3.30%
GAINESVILLE, GA 12 $2,990,000 $249,167 $5,562 3.29%
MIAMI-MIAMI BEACH-KENDALL, FL 9 $2,955,000 $328,333 $5,319 3.08%
TUSCALOOSA, AL 15 $2,875,000 $191,667 $4,563 3.11%
BALTIMORE-COLUMBIA-TOWSON, MD 8 $2,720,000 $340,000 $3,947 2.83%
IOWA CITY, IA 13 $2,715,000 $208,846 $3,879 3.05%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 10 $2,650,000 $265,000 $7,792 3.06%
MORRISTOWN, TN 14 $2,640,000 $188,571 $6,554 3.28%
PANAMA CITY, FL 10 $2,610,000 $261,000 $5,600 3.16%
LAWRENCE, KS 13 $2,525,000 $194,231 $3,577 3.95%
HATTIESBURG, MS 14 $2,480,000 $177,143 $4,556 2.96%
GREAT FALLS, MT 13 $2,405,000 $185,000 $5,228 3.17%
HANFORD-CORCORAN, CA 13 $2,345,000 $180,385 $5,340 2.99%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 11 $2,255,000 $205,000 $5,128 3.19%
BROWNSVILLE-HARLINGEN, TX 13 $2,215,000 $170,385 $5,352 2.96%
BISMARCK, ND 8 $2,210,000 $276,250 $4,459 3.16%
EL PASO, TX 14 $2,190,000 $156,429 $6,025 2.73%
GREENSBORO-HIGH POINT, NC 11 $2,135,000 $194,091 $4,430 3.29%
DURHAM-CHAPEL HILL, NC 9 $2,115,000 $235,000 $4,454 3.11%
DAYTON-KETTERING, OH 12 $2,070,000 $172,500 $5,842 3.11%
OCALA, FL 9 $2,065,000 $229,444 $6,103 3.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN 9 $2,005,000 $222,778 $2,930 3.10%
JOPLIN, MO 11 $2,005,000 $182,273 $4,600 3.15%
DETROIT-DEARBORN-LIVONIA, MI 11 $1,995,000 $181,364 $4,743 3.25%
LEWISTON, ID-WA 8 $1,960,000 $245,000 $5,411 3.12%
LAFAYETTE, LA 12 $1,960,000 $163,333 $4,802 3.12%
WILMINGTON, NC 8 $1,920,000 $240,000 $3,703 3.12%
TOPEKA, KS 11 $1,915,000 $174,091 $4,056 3.15%
CLARKSVILLE, TN-KY 9 $1,845,000 $205,000 $5,557 3.30%
THE VILLAGES, FL 10 $1,770,000 $177,000 $4,091 3.01%
MCALLEN-EDINBURG-MISSION, TX 9 $1,735,000 $192,778 $6,118 3.40%
JEFFERSON CITY, MO 9 $1,705,000 $189,444 $3,356 3.05%
APPLETON, WI 8 $1,650,000 $206,250 $5,866 3.25%
VICTORIA, TX 8 $1,630,000 $203,750 $5,654 3.16%
ST. CLOUD, MN 8 $1,600,000 $200,000 $5,134 3.05%
HOMOSASSA SPRINGS, FL 7 $1,585,000 $226,429 $5,457 3.14%
JACKSONVILLE, NC 8 $1,490,000 $186,250 $4,082 3.13%
LEXINGTON-FAYETTE, KY 6 $1,410,000 $235,000 $3,698 3.00%
JONESBORO, AR 10 $1,390,000 $139,000 $4,442 3.29%
ROANOKE, VA 10 $1,390,000 $139,000 $4,078 3.42%
PUNTA GORDA, FL 7 $1,365,000 $195,000 $4,888 3.21%
CASPER, WY 6 $1,350,000 $225,000 $3,797 2.89%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 4 $1,350,000 $337,500 $5,905 2.88%
CARBONDALE-MARION, IL 7 $1,295,000 $185,000 $3,774 2.84%
NEW HAVEN-MILFORD, CT 4 $1,220,000 $305,000 $3,814 3.19%
BRUNSWICK, GA 6 $1,180,000 $196,667 $4,052 3.48%
FAYETTEVILLE, NC 5 $1,105,000 $221,000 $6,305 3.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 4 $1,080,000 $270,000 $3,634 3.59%
HAMMOND, LA 6 $1,060,000 $176,667 $4,959 3.39%
FORT SMITH, AR-OK 6 $1,060,000 $176,667 $5,415 3.33%
SPRINGFIELD, IL 6 $1,020,000 $170,000 $3,287 3.19%
ENID, OK 6 $990,000 $165,000 $3,195 4.19%
HOT SPRINGS, AR 7 $985,000 $140,714 $3,906 3.45%
SEBASTIAN-VERO BEACH, FL 4 $980,000 $245,000 $4,313 3.16%
ROME, GA 8 $890,000 $111,250 $3,660 3.30%
LANCASTER, PA 4 $880,000 $220,000 $5,818 3.12%
WAUSAU-WESTON, WI 5 $815,000 $163,000 $5,286 3.10%
LAS CRUCES, NM 4 $810,000 $202,500 $6,484 3.41%
SEBRING-AVON PARK, FL 6 $800,000 $133,333 $6,028 2.79%
SIOUX FALLS, SD 4 $790,000 $197,500 $4,993 2.88%
VALDOSTA, GA 5 $785,000 $157,000 $5,356 2.80%
CALIFORNIA-LEXINGTON PARK, MD 2 $760,000 $380,000 $5,561 2.63%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 4 $750,000 $187,500 $7,216 3.59%
OSHKOSH-NEENAH, WI 6 $750,000 $125,000 $2,990 3.08%
GRAND RAPIDS-KENTWOOD, MI 4 $710,000 $177,500 $4,322 3.88%
JACKSON, TN 4 $700,000 $175,000 $5,518 3.12%
GREEN BAY, WI 3 $655,000 $218,333 $3,398 3.25%
ROCKFORD, IL 4 $640,000 $160,000 $4,230 2.97%
LANSING-EAST LANSING, MI 3 $625,000 $208,333 $3,140 3.08%
BURLINGTON, NC 2 $620,000 $310,000 $5,530 2.68%
WARREN-TROY-FARMINGTON HILLS, MI 3 $615,000 $205,000 $3,113 2.96%
TALLAHASSEE, FL 3 $565,000 $188,333 $4,917 3.42%
FLORENCE-MUSCLE SHOALS, AL 3 $565,000 $188,333 $6,254 3.29%
GAINESVILLE, FL 5 $565,000 $113,000 $4,175 2.70%
CLEVELAND-ELYRIA, OH 5 $535,000 $107,000 $4,545 3.77%
GULFPORT-BILOXI, MS 4 $500,000 $125,000 $6,478 3.31%
HAGERSTOWN-MARTINSBURG, MD-WV 2 $490,000 $245,000 $4,049 2.56%
LEBANON, PA 3 $465,000 $155,000 $5,493 2.13%
GRAND FORKS, ND-MN 1 $465,000 $465,000 $3,070 3.13%
JOHNSON CITY, TN 3 $465,000 $155,000 $3,513 3.08%
BARNSTABLE TOWN, MA 1 $455,000 $455,000 $4,013 3.13%
ATHENS-CLARKE COUNTY, GA 3 $445,000 $148,333 $3,335 3.04%
DECATUR, AL 3 $445,000 $148,333 $3,826 2.92%
MANHATTAN, KS 2 $440,000 $220,000 $4,354 2.94%
MONROE, LA 3 $435,000 $145,000 $4,186 3.00%
SHREVEPORT-BOSSIER CITY, LA 3 $435,000 $145,000 $4,271 2.88%
GARY, IN 2 $400,000 $200,000 $2,482 2.94%
NEW BERN, NC 2 $400,000 $200,000 $4,455 3.56%
KALAMAZOO-PORTAGE, MI 2 $380,000 $190,000 $5,948 3.63%
LYNCHBURG, VA 3 $375,000 $125,000 $3,298 3.71%
FARGO, ND-MN 1 $365,000 $365,000 $3,833 3.99%
PHILADELPHIA, PA 1 $365,000 $365,000 $11,851 3.13%
BRIDGEPORT-STAMFORD-NORWALK, CT 1 $365,000 $365,000 $5,466 2.75%
LAWTON, OK 2 $350,000 $175,000 $4,129 2.81%
BLOOMINGTON, IL 2 $350,000 $175,000 $4,525 2.94%
RACINE, WI 2 $340,000 $170,000 $4,545 2.93%
SHEBOYGAN, WI 2 $340,000 $170,000 $3,839 3.25%
TOLEDO, OH 1 $335,000 $335,000 $2,543 2.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 2 $330,000 $165,000 $6,209 3.06%
WINCHESTER, VA-WV 2 $330,000 $165,000 $3,206 3.00%
CHAMPAIGN-URBANA, IL 2 $320,000 $160,000 $1,909 3.25%
ROCKY MOUNT, NC 1 $305,000 $305,000 $12,773 2.88%
JACKSON, MS 3 $305,000 $101,667 $4,313 3.58%
ROCHESTER, MN 1 $305,000 $305,000 $1,852 2.75%
BLACKSBURG-CHRISTIANSBURG, VA 1 $305,000 $305,000 $14,014 3.00%
EAU CLAIRE, WI 1 $285,000 $285,000 $11,459 2.63%
FORT WAYNE, IN 1 $275,000 $275,000 $7,987 3.00%
KINGSPORT-BRISTOL, TN-VA 2 $270,000 $135,000 $3,572 4.31%
RAPID CITY, SD 1 $265,000 $265,000 $2,446 3.38%
MANCHESTER-NASHUA, NH 1 $265,000 $265,000 $2,467 3.99%
FOND DU LAC, WI 2 $260,000 $130,000 $3,392 2.99%
LA CROSSE-ONALASKA, WI-MN 1 $255,000 $255,000 $1,859 2.75%
HARRISBURG-CARLISLE, PA 1 $235,000 $235,000 $3,553 2.75%
HOUMA-THIBODAUX, LA 2 $220,000 $110,000 $3,897 3.25%
MANKATO, MN 1 $215,000 $215,000 $5,655 3.38%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 1 $215,000 $215,000 $3,471 2.99%
COLUMBUS, OH 1 $195,000 $195,000 $2,932 2.99%
ALBANY, GA 1 $175,000 $175,000 $5,672 2.38%
LAREDO, TX 1 $165,000 $165,000 $7,603 3.13%
PEORIA, IL 1 $145,000 $145,000 $2,720 3.88%
BLOOMINGTON, IN 1 $145,000 $145,000 $4,561 2.88%
NILES, MI 1 $145,000 $145,000 $2,837 3.75%
SALISBURY, MD-DE 1 $145,000 $145,000 $2,481 2.63%
NORWICH-NEW LONDON, CT 1 $135,000 $135,000 $3,303 3.13%
GREENVILLE, NC 2 $130,000 $65,000 $3,464 3.31%
WORCESTER, MA-CT 1 $125,000 $125,000 $3,118 3.25%
LIMA, OH 1 $105,000 $105,000 $2,361 2.88%
TERRE HAUTE, IN 1 $85,000 $85,000 $1,243 3.50%
DANVILLE, IL 1 $65,000 $65,000 $4,317 4.63%
AKRON, OH 1 $55,000 $55,000 $4,598 4.75%

Guild Mortgage Company's top markets include Seattle, Portland, Sacramento, St. Louis, and Denver among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 63,341 $17,499,005,000 $276,267
2.5-3% 48,334 $14,161,140,000 $292,985
<2.5% 13,107 $2,066,255,000 $157,645
4-5% 5,102 $1,161,700,000 $227,695
5-6% 446 $64,640,000 $144,933
7-8% 139 $975,000 $7,014
6-7% 29 $305,000 $10,517

During 2020, Guild Mortgage Company's average interest rate was 3.15%, while their most frequently originated rate bucket was 3-4%, with 63,341 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 66,184 $18,842,870,000 $284,704 $5,903 3.18%
$100k-200k 32,473 $5,096,945,000 $156,959 $4,596 3.25%
$400k-600k 17,914 $8,459,510,000 $472,229 $6,840 3.15%
$100,000 or less 10,917 $392,105,000 $35,917 $1,959 1.76%
$600k-1MM 2,874 $1,988,750,000 $691,980 $8,442 3.17%
$1MM+ 136 $173,840,000 $1,278,235 $9,273 3.28%

2020 saw Guild Mortgage Company place emphasis on $200k-400k loans with 66,184 originations, totaling $18,842,870,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 32,387 $6,781,735,000 $209,397 $5,557 3.01%
$100k-150k 26,305 $8,469,585,000 $321,976 $5,729 3.15%
$75k-100k 24,448 $6,447,620,000 $263,728 $5,839 3.09%
$50k or less 18,847 $2,800,105,000 $148,570 $4,846 3.02%
$150k-250k 14,497 $5,627,865,000 $388,209 $5,601 3.18%
$250k+ 4,401 $1,947,785,000 $442,578 $5,682 3.20%

Guild Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 32,387 originations. The second most popular income band? $100k-150k, with 26,305 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 24,177 $6,645,405,000 $274,865 $4,712 3.13%
30-36% 21,672 $5,891,100,000 $271,830 $5,213 3.14%
<20% 7,804 $2,050,440,000 $262,742 $4,246 3.08%
50-60% 6,683 $1,643,045,000 $245,854 $9,065 2.99%
44% 5,964 $1,476,340,000 $247,542 $5,967 3.02%
42% 5,093 $1,313,455,000 $257,894 $5,773 3.02%
43% 5,070 $1,302,820,000 $256,966 $5,793 3.06%
41% 4,744 $1,243,140,000 $262,045 $5,720 3.06%
40% 4,741 $1,237,985,000 $261,123 $5,633 3.10%
39% 4,539 $1,191,105,000 $262,416 $5,592 3.08%
38% 4,348 $1,161,200,000 $267,065 $5,532 3.10%
37% 4,198 $1,125,560,000 $268,118 $5,450 3.12%
49% 4,160 $1,084,060,000 $260,591 $6,219 2.98%
36% 4,047 $1,091,205,000 $269,633 $5,491 3.13%
45% 3,753 $1,002,025,000 $266,993 $5,968 3.09%
48% 3,300 $868,950,000 $263,318 $6,255 3.02%
46% 3,233 $855,055,000 $264,477 $6,112 3.06%
47% 3,215 $843,805,000 $262,459 $6,162 3.00%
>60% 101 $35,325,000 $349,752 $9,681 3.09%

Guild Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 24,177 originations. The next most common DTI ratio? 30-36%, with 21,672 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 89,860 $23,630,010,000 $262,965 $5,429 3.08%
Not provided 28,660 $8,130,300,000 $283,681 $5,481 3.12%
Black 5,963 $1,331,435,000 $223,283 $6,362 2.92%
Asian 3,486 $1,121,530,000 $321,724 $5,904 3.03%
American Indian 1,130 $271,370,000 $240,150 $6,031 2.97%
Native Hawaiian 388 $124,000,000 $319,588 $7,827 2.99%
Asian Indian 222 $90,780,000 $408,919 $5,043 3.03%
Filipino 262 $87,610,000 $334,389 $7,123 2.95%
Chinese 93 $35,935,000 $386,398 $5,143 3.02%
Other Asian 105 $35,225,000 $335,476 $5,844 2.99%
115 $26,355,000 $229,174 $6,087 2.90%
Vietnamese 57 $17,795,000 $312,193 $5,408 3.11%
Other Pacific Islander 40 $13,080,000 $327,000 $7,303 3.15%
Japanese 38 $12,560,000 $330,526 $6,039 3.07%
Korean 39 $12,385,000 $317,564 $4,853 2.97%
Native Hawiian 15 $5,735,000 $382,333 $6,941 3.35%
Samoan 16 $5,110,000 $319,375 $7,207 2.77%
Guamanian 9 $2,805,000 $311,667 $7,139 3.40%

Approval Rates

Total approvals of all applications
97.00%

Guild Mortgage Company 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
68.23%

Guild Mortgage Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
75.0 2 $30,000 $15,000
NA 130,496 $34,953,990,000 $267,855

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 4,650 $823,020,000 $176,994
Single Family (1-4 Units):Site-Built 125,848 $34,131,000,000 $271,208

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 3,858 $768,050,000 $199,080 $3,784 3.03%
40-60% 15,175 $4,047,085,000 $266,694 $4,033 3.07%
60-80% 39,661 $11,875,715,000 $299,431 $4,699 3.23%
80-100% 61,944 $17,293,390,000 $279,178 $6,598 3.23%
Over 100% 2,845 $872,205,000 $306,575 $11,076 3.07%
Under 20% 6,997 $93,255,000 $13,328 $354 0.82%