Guild Mortgage in California vs the state
3.5%Denial rate-13.97 pts vs state
4.4%Decision denial rate-17.99 pts vs state
67.3%Origination rate+11.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$140kMedian applicant income
4,118Loans originated
211Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,802 | 3,346 | 3.2% | 6.63% | #35 |
| 2024 | 5,978 | 4,178 | 3.1% | 6.63% | #33 |
| 2025 | 6,122 | 4,118 | 3.5% | 6.50% | #34 |
What Guild Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 938 | 659 | 23 | 2.5% |
| San Diego County | 517 | 319 | 28 | 5.4% |
| Los Angeles County | 444 | 253 | 25 | 5.6% |
| Riverside County | 352 | 257 | 20 | 5.7% |
| Placer County | 262 | 176 | 5 | 1.9% |
| Stanislaus County | 255 | 185 | 7 | 2.7% |
| San Bernardino County | 245 | 151 | 12 | 4.9% |
| Solano County | 227 | 151 | 7 | 3.1% |
| El Dorado County | 206 | 144 | 3 | 1.5% |
| Sonoma County | 198 | 152 | 3 | 1.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 6,122 applications in 2025, of which 4,118 were originated and 211 denied.
3.5% of all applications, or 4.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Guild Mortgage originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology