Guaranty Mortgage Services at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.6% deniedPricingmedian rate spread over APOR, weight 30%
35th0.41 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.0%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd2.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 228 | 155 | 1.3% | 1.9% | 6.88% | $53M |
| 2024 | 275 | 190 | 2.6% | 3.6% | 6.88% | $58M |
| 2025 | 256 | 184 | 1.2% | 1.6% | 6.75% | $65M |
What Guaranty Mortgage Services lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 7 investment properties.
Why Guaranty Mortgage Services denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Guaranty Mortgage Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 86 | 63 | 1.6% |
| $100k – $150k | 65 | 47 | 2.1% |
| $150k – $250k | 71 | 55 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 73 | 51 | 1.9% |
| 35–44 | 66 | 46 | 2.1% |
| 45–54 | 51 | 31 | 0.0% |
| 55–64 | 28 | 26 | 0.0% |
Where Guaranty Mortgage Services lends
2 states and 47 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Guaranty Mortgage Services denied 1.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason Guaranty Mortgage Services gave in 2025 was "other", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Guaranty Mortgage Services originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.41 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 83% of its applications were for home purchases, 17% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 68% conventional, 19% FHA, 12% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.