Guam Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Guam averaged
6.44%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.45% and
one month ago for the week of 2025-02-27, the
average rate was 6.56%.
Guam's average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.64%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Guam 30 Year Fixed Rate | 2025-04-03 | 6.44% |
| Guam 30 Year Fixed Rate Refi | 2025-04-03 | 6.64% |
| Guam 15 Year Fixed Rate | 2025-04-03 | 6.02% |
| Guam 15 Year Fixed Rate Refi | 2025-04-03 | 6.32% |
| Guam 30 Year FHA | 2025-04-03 | 6.16% |
| Guam 30 Year FHA Refi | 2025-04-03 | 6.36% |
| Guam 30 Year USDA | 2025-04-03 | 6.22% |
| Guam 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Guam 30 Year VA | 2025-04-03 | 5.96% |
| Guam 30 Year VA Refi | 2025-04-03 | 6.26% |
Guam Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Guam market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| TOTAL MORTGAGE SERVICES, LLC | 6 | 7.52% | $18,228 |
| CMG MORTGAGE, INC. | 5 | 6.95% | $11,151 |
| NORWICH COMMERCIAL GROUP, INC. | 1 | 6.75% | $11,092 |
Guam Average Closing Costs & Other Stats
Guam's 3 lenders originated 112
loans during 2024. The total origination value was $46,590,000, with an average loan value of
$415,982.
Guam's average closing costs are $16,897.
The top Guam lender as defined by loan originations is TOTAL MORTGAGE SERVICES, LLC, with
6 loans originated. Their average total fees are
$18,228, which is $7,077
higher than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Guam lenders (with over 10 loans originated) are
.
The lowest rate Guam lenders (with over 10 loans originated) are
.
Guam Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| TOTAL MORTGAGE SERVICES, LLC | $32,175,000 | $33,015,000 | 2.6% | 70.9% |
| CMG MORTGAGE, INC. | $5,445,000 | n/a | 11.7% | |
| Carrington Mortgage Services, LLC | $4,135,000 | n/a | 8.9% | |
| NORWICH COMMERCIAL GROUP, INC. | $3,695,000 | $3,995,000 | 8.1% | 8.6% |
Guam's top lender by overall market share is TOTAL MORTGAGE SERVICES, LLC, with 70.9% market share. In second place, with 11.7%, is CMG MORTGAGE, INC., having originated $5,445,000 in loans. In third place, with 8.9%, is Carrington Mortgage Services, LLC, having originated $4,135,000 in loans. In fourth place, with 8.6%, is NORWICH COMMERCIAL GROUP, INC., having originated $3,995,000 in loans.
Guam Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 94 | $38,830,000 | $413,085 |
| Cash Out Refi | 11 | $4,145,000 | $376,818 |
| Refi | 6 | $3,240,000 | $540,000 |
| Home Improvement | 1 | $375,000 | $375,000 |
Guam's most frequently cited loan purpose was Home Purchase, with 94 originations. The 2nd most popular reason was Cash Out Refi, with 11 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 68 | $27,470,000 | $403,971 |
| 5-6% | 16 | $7,640,000 | $477,500 |
| 7-8% | 16 | $5,980,000 | $373,750 |
| 2.5-3% | 6 | $2,740,000 | $456,667 |
| 3-4% | 3 | $1,395,000 | $465,000 |
| Over 8% | 2 | $780,000 | $390,000 |
| 4-5% | 1 | $585,000 | $585,000 |
During 2024, Guam's most frequently originated rate bucket was 6-7%, with 68 originations.
Loan Sizing (Guam MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 52 | $25,100,000 | $482,692 |
| $200k-400k | 50 | $16,640,000 | $332,800 |
| $600k-1000k | 6 | $4,280,000 | $713,333 |
| $100k-200k | 3 | $485,000 | $161,667 |
| $100,000 or less | 1 | $85,000 | $85,000 |
Guam's loan sizing saw the bucket of loans from $400k-600k with 52 originations, totaling $25,100,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 80 | $32,960,000 | $412,000 |
| Over 100% | 15 | $7,265,000 | $484,333 |
| 60-80% | 12 | $4,560,000 | $380,000 |
| 20-40% | 3 | $455,000 | $151,667 |
| 40-60% | 2 | $1,350,000 | $675,000 |
Guam's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 80 originations, totaling $32,960,000 in origination value.