Guild Mortgage in Florida vs the state
6.7%Denial rate-14.38 pts vs state
8.2%Decision denial rate-19.00 pts vs state
67.5%Origination rate+14.80 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$94kMedian applicant income
2,790Loans originated
276Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,382 | 837 | 5.9% | 6.99% | #118 |
| 2024 | 3,388 | 2,187 | 6.4% | 6.75% | #58 |
| 2025 | 4,134 | 2,790 | 6.7% | 6.50% | #53 |
What Guild Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 478 | 337 | 29 | 6.1% |
| Volusia County | 251 | 175 | 18 | 7.2% |
| Lake County | 233 | 178 | 11 | 4.7% |
| Hillsborough County | 211 | 153 | 11 | 5.2% |
| Escambia County | 198 | 158 | 8 | 4.0% |
| Clay County | 192 | 135 | 12 | 6.3% |
| Polk County | 173 | 109 | 13 | 7.5% |
| Indian River County | 168 | 118 | 3 | 1.8% |
| St. Lucie County | 149 | 110 | 4 | 2.7% |
| Miami-Dade County | 149 | 66 | 22 | 14.8% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 4,134 applications in 2025, of which 2,790 were originated and 276 denied.
6.7% of all applications, or 8.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Guild Mortgage originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology