Guild Mortgage in Minnesota vs the state
2.5%Denial rate-11.15 pts vs state
3.0%Decision denial rate-13.32 pts vs state
75.5%Origination rate+9.12 pts vs state
6.75%Median rate+0.13 pts vs state
0.31Rate spread (pts)+0.06 pts vs state
$124kMedian applicant income
801Loans originated
26Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 75 | 5.9% | 7.13% | #186 |
| 2024 | 645 | 519 | 2.0% | 6.88% | #62 |
| 2025 | 1,061 | 801 | 2.5% | 6.75% | #41 |
What Guild Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 426 | 305 | 9 | 2.1% |
| Ramsey County | 121 | 97 | 0 | 0.0% |
| Dakota County | 108 | 87 | 0 | 0.0% |
| Anoka County | 81 | 60 | 3 | 3.7% |
| Washington County | 54 | 44 | 1 | 1.9% |
| Carver County | 42 | 30 | 1 | 2.4% |
| Clay County | 40 | 32 | 2 | 5.0% |
| Scott County | 28 | 25 | 0 | 0.0% |
| Wright County | 22 | 18 | 2 | 9.1% |
| St. Louis County | 16 | 13 | 1 | 6.3% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 1,061 applications in 2025, of which 801 were originated and 26 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Guild Mortgage originated in Minnesota in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology