GUILD MORTGAGE COMPANY
86,111 mortgages originated in 2025 across 49 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 86,111
- Median rate
- 6.625%
- Median lender fees
- $6,831
- Median loan amount
- $285,000
- Median spread over APOR
- 0.306
- Paid discount points
- 50.8%
- Received lender credits
- 16.1%
- Purchases / refinances
- 82.4% / 17.3%
- Conventional / FHA / VA
- 65.9% / 24.3% / 8.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.9% of loans here — see methodology.
Where GUILD MORTGAGE COMPANY lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 6,877 | $9,368 | 6.500% |
| Washington | 5,691 | $7,927 | 6.625% |
| Missouri | 5,462 | $4,313 | 6.625% |
| Colorado | 4,338 | $5,616 | 6.624% |
| Oregon | 4,218 | $8,609 | 6.545% |
| California | 4,118 | $8,118 | 6.625% |
| Utah | 3,981 | $8,957 | 6.500% |
| Nevada | 3,882 | $9,514 | 6.500% |
| Georgia | 3,788 | $9,212 | 6.250% |
| Arizona | 3,467 | $7,901 | 6.625% |
| Pennsylvania | 3,258 | $6,272 | 6.625% |
| Illinois | 2,870 | $6,010 | 6.625% |
| Florida | 2,790 | $8,328 | 6.500% |
| South Carolina | 2,670 | $6,232 | 6.625% |
| Massachusetts | 2,282 | $5,335 | 6.500% |
| Wisconsin | 2,260 | $4,267 | 6.625% |
| New Mexico | 2,173 | $6,345 | 6.625% |
| North Carolina | 1,957 | $6,670 | 6.500% |
| Alabama | 1,892 | $6,428 | 6.500% |
| Idaho | 1,757 | $8,906 | 6.500% |
| Indiana | 1,355 | $4,201 | 6.625% |
| Maine | 1,347 | $4,984 | 6.625% |
| Kansas | 1,155 | $4,530 | 6.625% |
| Virginia | 1,028 | $7,341 | 6.500% |
| Maryland | 954 | $7,930 | 6.500% |
| Michigan | 820 | $4,364 | 6.750% |
| Mississippi | 808 | $7,238 | 6.500% |
| Minnesota | 801 | $4,929 | 6.750% |
| Oklahoma | 774 | $7,226 | 6.500% |
| Wyoming | 692 | $7,326 | 6.375% |
| New Hampshire | 688 | $4,515 | 6.625% |
| Tennessee | 616 | $8,036 | 6.625% |
| Louisiana | 561 | $7,299 | 6.500% |
| Rhode Island | 556 | $4,577 | 6.625% |
| Iowa | 550 | $4,596 | 6.625% |
| Montana | 547 | $7,755 | 6.250% |
| Delaware | 546 | $6,669 | 6.500% |
| Nebraska | 468 | $3,442 | 6.500% |
| Arkansas | 441 | $5,203 | 6.625% |
| Ohio | 327 | $5,687 | 6.625% |
| Hawaii | 316 | $10,952 | 6.624% |
| Connecticut | 219 | $6,805 | 6.500% |
| Alaska | 197 | $7,958 | 6.188% |
| Vermont | 154 | $8,078 | 6.500% |
| North Dakota | 112 | $5,760 | 6.375% |
| New Jersey | 96 | $7,548 | 6.625% |
| Kentucky | 91 | $7,382 | 6.375% |
| West Virginia | 74 | $6,736 | 6.490% |
| District of Columbia | 66 | $7,702 | 6.375% |