Total Mortgage Services in Guam vs the state
3.2%Denial rate-3.37 pts vs state
4.1%Decision denial rate-3.92 pts vs state
74.4%Origination rate+0.69 pts vs state
6.25%Median rate+0.13 pts vs state
0.31Rate spread (pts)+0.25 pts vs state
$108kMedian applicant income
93Loans originated
4Denied
Trend in Guam
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 75 | 6.0% | 6.13% | #1 |
| 2024 | 98 | 81 | 4.1% | 6.63% | #1 |
| 2025 | 125 | 93 | 3.2% | 6.25% | #1 |
What Total Mortgage Services lends in Guam
By loan purpose
By loan type
Why it denied Guam applicants
Where in Guam
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guam | 125 | 93 | 4 | 3.2% |
Other large lenders in Guam
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| CMG Mortgage | A | 80 | 7.5% | 6.00% |
| Carrington Mortgage Services | D | 5 | 40.0% | 2.75% |
Frequently asked questions
Guam: 125 applications in 2025, of which 93 were originated and 4 denied.
3.2% of all applications, or 4.1% of the applications it actually decided on. The Guam statewide average across all lenders was 6.6%.
The median rate on loans Total Mortgage Services originated in Guam in 2025 was 6.25%, against a statewide median of 6.13%.
About this data. Figures are Total Mortgage Services's own HMDA filing for properties located in Guam, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology