Lenders › Guild Mortgage Company › Washington
Guild Mortgage Company in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington 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 Washington covers 7,209 applications, 5,129 of them originated, worth $2.1bn.
Its denial rate in the state was 4.1%, below the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 4.6%.
The median rate spread on its Washington originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 61% on 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | Guild Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.1% | 21.3% | 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 | 7.8% | 15.8% | 7.6% | 15.6% |
| Average originated loan | $405k | $440k | $307k | $329k |
| Home purchase share | 82.3% | 54.5% | 86.3% | 57.0% |
| FHA-insured share | 17.7% | 9.9% | 23.8% | 13.4% |
| VA-guaranteed share | 9.7% | 8.6% | 7.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 82% (4,223)Home improvement 0% (1)Refinancing 7% (360)Cash-out refinancing 10% (538)Other purpose 0% (7)
By type
Conventional 72% (3,699)FHA 18% (910)VA 10% (498)USDA 0% (22)
Denial reasons as coded
Share of 238 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| King County | 1,263 | 863 | $515m | 4.7% |
| Pierce County | 778 | 558 | $219m | 5.3% |
| Clark County | 752 | 510 | $197m | 2.8% |
| Thurston County | 577 | 442 | $176m | 2.9% |
| Snohomish County | 627 | 414 | $214m | 4.7% |
| Cowlitz County | 399 | 283 | $79m | 2.6% |
| Grant County | 311 | 238 | $61m | 3.0% |
| Spokane County | 316 | 224 | $69m | 2.7% |
| Grays Harbor County | 264 | 199 | $57m | 2.6% |
| Lewis County | 230 | 169 | $55m | 3.8% |
| Mason County | 168 | 126 | $37m | 3.0% |
| Island County | 167 | 121 | $49m | 8.1% |
| Kitsap County | 155 | 118 | $52m | 1.6% |
| Skagit County | 149 | 110 | $49m | 2.5% |
| Whatcom County | 138 | 100 | $42m | 5.5% |
| Chelan County | 114 | 80 | $30m | 7.7% |
| Walla Walla County | 98 | 72 | $20m | 5.1% |
| Douglas County | 87 | 62 | $22m | 9.1% |
| Kittitas County | 92 | 56 | $17m | 8.3% |
| Yakima County | 87 | 56 | $15m | 9.1% |
| Benton County | 68 | 47 | $17m | 1.9% |
| Okanogan County | 55 | 44 | $13m | 2.1% |
| Whitman County | 49 | 43 | $13m | 2.3% |
| Adams County | 54 | 39 | $8.7m | 6.5% |
| Stevens County | 45 | 33 | $10m | 0.0% |
| Pacific County | 42 | 29 | $8.5m | 5.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guild Mortgage Company originate in Washington in 2024?
5,129 loans totalling $2.1bn, from 7,209 applications reported for properties in Washington.
What is Guild Mortgage Company's denial rate in Washington?
4.1% of decided applications in Washington were denied, against 21.3% 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 Washington counties does Guild Mortgage Company lend in most?
By originations: King County (863), Pierce County (558), Clark County (510), Thurston County (442), Snohomish County (414).
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 Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.