Lenders › Guild Mortgage Company › Texas
Guild Mortgage Company in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas covers 9,505 applications, 6,531 of them originated, worth $1.9bn.
Its denial rate in the state was 4.3%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 4.6%.
The median rate spread on its Texas originations was 0.5 percentage points (state median 0.2).
Applications in the state were up 27% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Guild Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.3% | 26.0% | 4.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.5% | 11.8% | 7.6% | 15.6% |
| Average originated loan | $287k | $350k | $307k | $329k |
| Home purchase share | 90.0% | 72.8% | 86.3% | 57.0% |
| FHA-insured share | 33.3% | 19.8% | 23.8% | 13.4% |
| VA-guaranteed share | 9.6% | 10.4% | 7.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 90% (5,876)Home improvement 0% (1)Refinancing 4% (284)Cash-out refinancing 6% (370)
By type
Conventional 55% (3,622)FHA 33% (2,176)VA 10% (628)USDA 2% (105)
Denial reasons as coded
Share of 327 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Tarrant County | 814 | 616 | $190m | 2.0% |
| Harris County | 894 | 570 | $171m | 6.3% |
| Bexar County | 658 | 425 | $132m | 4.0% |
| Montgomery County | 459 | 315 | $119m | 4.2% |
| Grayson County | 352 | 228 | $46m | 2.7% |
| Denton County | 279 | 213 | $82m | 1.7% |
| Dallas County | 317 | 204 | $70m | 6.4% |
| Travis County | 259 | 171 | $82m | 2.6% |
| Parker County | 224 | 164 | $52m | 4.9% |
| Jefferson County | 183 | 148 | $35m | 1.2% |
| Collin County | 219 | 141 | $53m | 4.9% |
| Johnson County | 203 | 138 | $37m | 3.1% |
| Ellis County | 175 | 115 | $33m | 9.4% |
| Williamson County | 153 | 113 | $43m | 0.8% |
| Gregg County | 155 | 109 | $24m | 3.3% |
| Nueces County | 148 | 96 | $23m | 3.5% |
| Fort Bend County | 158 | 85 | $29m | 12.5% |
| Smith County | 116 | 82 | $17m | 5.2% |
| Wood County | 114 | 81 | $16m | 0.0% |
| El Paso County | 144 | 80 | $17m | 7.5% |
| Brazoria County | 119 | 78 | $22m | 4.5% |
| Fannin County | 98 | 77 | $17m | 5.8% |
| Kaufman County | 106 | 76 | $18m | 7.8% |
| Hays County | 98 | 75 | $37m | 4.8% |
| Hood County | 97 | 72 | $16m | 2.4% |
| Guadalupe County | 103 | 68 | $20m | 7.6% |
| Harrison County | 91 | 64 | $14m | 2.8% |
| Comal County | 98 | 62 | $18m | 6.5% |
| Tom Green County | 88 | 61 | $9.5m | 4.2% |
| Hardin County | 76 | 60 | $16m | 6.9% |
| Wise County | 75 | 60 | $16m | 3.1% |
| Aransas County | 92 | 57 | $16m | 3.0% |
| Galveston County | 71 | 55 | $16m | 1.6% |
| Randall County | 71 | 51 | $9.1m | 4.6% |
| Orange County | 64 | 51 | $11m | 1.7% |
| Montague County | 58 | 51 | $11m | 0.0% |
| Lubbock County | 60 | 47 | $11m | 0.0% |
| Hunt County | 56 | 44 | $8.6m | 0.0% |
| Bell County | 80 | 43 | $10m | 10.2% |
| Cooke County | 61 | 43 | $12m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guild Mortgage Company originate in Texas in 2024?
6,531 loans totalling $1.9bn, from 9,505 applications reported for properties in Texas.
What is Guild Mortgage Company's denial rate in Texas?
4.3% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Guild Mortgage Company lend in most?
By originations: Tarrant County (616), Harris County (570), Bexar County (425), Montgomery County (315), Grayson County (228).
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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.