Lenders › Guild Mortgage Company › Alabama
Guild Mortgage Company in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Alabama, Guild Mortgage Company reported 2,426 applications and 1,678 originations for 2024, $373m in all.
Its denial rate in the state was 4.2%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 4.6%.
The median rate spread on its Alabama originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Guild Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.2% | 26.3% | 4.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.1% | 16.5% | 7.6% | 15.6% |
| Average originated loan | $223k | $228k | $307k | $329k |
| Home purchase share | 92.0% | 59.0% | 86.3% | 57.0% |
| FHA-insured share | 34.4% | 18.0% | 23.8% | 13.4% |
| VA-guaranteed share | 12.8% | 12.5% | 7.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 92% (1,543)Refinancing 2% (33)Cash-out refinancing 6% (102)
By type
Conventional 49% (822)FHA 34% (578)VA 13% (214)USDA 4% (64)
Denial reasons as coded
Share of 84 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 532 | 379 | $78m | 3.0% |
| Jefferson County | 351 | 223 | $55m | 5.2% |
| Lee County | 167 | 136 | $40m | 2.5% |
| Elmore County | 171 | 133 | $31m | 0.7% |
| Autauga County | 157 | 120 | $26m | 1.5% |
| Shelby County | 145 | 87 | $26m | 7.1% |
| Cullman County | 111 | 77 | $16m | 7.7% |
| St. Clair County | 75 | 48 | $11m | 0.0% |
| Etowah County | 100 | 47 | $8.2m | 11.4% |
| Madison County | 56 | 39 | $8.7m | 6.4% |
| Walker County | 61 | 36 | $7.6m | 6.8% |
| Tuscaloosa County | 41 | 30 | $5.3m | 0.0% |
| Russell County | 35 | 27 | $5.6m | 0.0% |
| Baldwin County | 34 | 27 | $5.7m | 3.3% |
| Calhoun County | 44 | 25 | $3.9m | 23.1% |
| Blount County | 34 | 23 | $4.5m | 3.8% |
| Chilton County | 31 | 22 | $4.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guild Mortgage Company originate in Alabama in 2024?
1,678 loans totalling $373m, from 2,426 applications reported for properties in Alabama.
What is Guild Mortgage Company's denial rate in Alabama?
4.2% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 4.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does Guild Mortgage Company lend in most?
By originations: Montgomery County (379), Jefferson County (223), Lee County (136), Elmore County (133), Autauga County (120).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.