Guild Mortgage in Texas vs the state
4.0%Denial rate-15.43 pts vs state
5.1%Decision denial rate-19.83 pts vs state
69.2%Origination rate+14.34 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.20 pts vs state
$108kMedian applicant income
6,877Loans originated
397Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,476 | 5,060 | 3.7% | 6.88% | #28 |
| 2024 | 9,505 | 6,531 | 3.4% | 6.63% | #20 |
| 2025 | 9,935 | 6,877 | 4.0% | 6.50% | #22 |
What Guild Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,019 | 672 | 49 | 4.8% |
| Tarrant County | 889 | 654 | 28 | 3.1% |
| Bexar County | 519 | 331 | 19 | 3.7% |
| Montgomery County | 458 | 317 | 23 | 5.0% |
| Dallas County | 381 | 245 | 17 | 4.5% |
| Denton County | 361 | 250 | 12 | 3.3% |
| Grayson County | 293 | 216 | 3 | 1.0% |
| Collin County | 279 | 186 | 13 | 4.7% |
| Parker County | 246 | 170 | 3 | 1.2% |
| El Paso County | 230 | 158 | 11 | 4.8% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 9,935 applications in 2025, of which 6,877 were originated and 397 denied.
4.0% of all applications, or 5.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Guild Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guild Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology