Lenders › Guild Mortgage Company › Florida
Guild Mortgage Company in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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.
Guild Mortgage Company's 2024 HMDA record for Florida covers 3,388 applications, 2,187 of them originated, worth $602m.
Its denial rate in the state was 8.1%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 4.6%.
The median rate spread on its Florida originations was 0.5 percentage points (state median 0.3).
Applications in the state were up 145% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Guild Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.1% | 29.0% | 4.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.9% | 16.4% | 7.6% | 15.6% |
| Average originated loan | $275k | $359k | $307k | $329k |
| Home purchase share | 89.6% | 62.9% | 86.3% | 57.0% |
| FHA-insured share | 28.3% | 17.7% | 23.8% | 13.4% |
| VA-guaranteed share | 8.4% | 9.5% | 7.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 90% (1,959)Refinancing 2% (41)Cash-out refinancing 9% (187)
By type
Conventional 63% (1,379)FHA 28% (619)VA 8% (184)USDA 0% (5)
Denial reasons as coded
Share of 215 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 453 | 313 | $60m | 7.8% |
| Volusia County | 251 | 157 | $43m | 7.2% |
| Polk County | 232 | 149 | $34m | 8.6% |
| Lake County | 160 | 114 | $29m | 4.7% |
| Orange County | 185 | 110 | $31m | 12.6% |
| Clay County | 132 | 95 | $22m | 2.8% |
| Marion County | 133 | 94 | $19m | 5.7% |
| Broward County | 176 | 85 | $26m | 19.2% |
| Indian River County | 100 | 82 | $28m | 0.0% |
| Hillsborough County | 129 | 80 | $29m | 6.9% |
| Bay County | 108 | 68 | $20m | 4.8% |
| Lee County | 117 | 67 | $18m | 12.4% |
| Brevard County | 85 | 59 | $15m | 12.7% |
| Pinellas County | 95 | 57 | $21m | 6.1% |
| Pasco County | 78 | 52 | $14m | 7.8% |
| Miami-Dade County | 87 | 51 | $25m | 10.9% |
| Osceola County | 60 | 42 | $12m | 4.1% |
| St. Johns County | 53 | 41 | $14m | 0.0% |
| Palm Beach County | 66 | 40 | $13m | 8.9% |
| St. Lucie County | 63 | 39 | $12m | 4.5% |
| Manatee County | 42 | 36 | $12m | 0.0% |
| Sarasota County | 40 | 32 | $9.0m | 3.0% |
| Seminole County | 55 | 29 | $9.6m | 12.2% |
| Okaloosa County | 42 | 29 | $9.7m | 16.2% |
| Charlotte County | 49 | 25 | $6.9m | 11.1% |
| Sumter County | 27 | 23 | $4.9m | — |
| Santa Rosa County | 32 | 20 | $5.2m | — |
| Flagler County | 32 | 19 | $6.8m | — |
| Hernando County | 35 | 18 | $4.9m | 6.9% |
| Collier County | 37 | 17 | $7.1m | 17.9% |
| Escambia County | 25 | 12 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guild Mortgage Company originate in Florida in 2024?
2,187 loans totalling $602m, from 3,388 applications reported for properties in Florida.
What is Guild Mortgage Company's denial rate in Florida?
8.1% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Guild Mortgage Company lend in most?
By originations: Duval County (313), Volusia County (157), Polk County (149), Lake County (114), Orange County (110).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.