The Mortgage Record
Lender report card · New Jersey

Guild Mortgage Company

San Diego, CA · What the federal mortgage record shows about how Guild Mortgage Company treated New Jersey applicants, 2018–2025 — 368 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
90.8%
334 approved
Denial rate
9.2%
34 denied
Decisions
368
2018–2025
Avg. rate spread
+0.44 pp
vs. market benchmark
90.8% approved
9.2% denied

Share of 368 New Jersey applications Guild Mortgage Company approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.4% of 271 · NJ 87%FHA82.7% of 81 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

84%88%92%96%100%100%93%92%90%88%20212022202320242025

Pricing

Adjusting for its loan-type mix, Guild Mortgage Company’s rates ran +0.07 pp higher than the typical New Jersey lender (average rate spread +0.44 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Guild Mortgage Company approves

By income
$50–75k82.6% · 46$75–100k89.2% · 65$100–150k94.7% · 114$150–250k93.3% · 89$250k+95.1% · 41
By debt-to-income
Under 36%97.9% · 9536–43%94.4% · 10743–50%97.5% · 122Over 50%50.0% · 40
By down payment (LTV)
20%+ down90.6% · 20210–20% down89.4% · 475–10% down93.8% · 483–5% down92.7% · 41Under 3% down86.7% · 30

Why Guild Mortgage Company denied applications

Debt-to-income ratio59% of denialsOther32% of denialsCredit history26% of denialsUnverifiable information9% of denialsInsufficient cash to close9% of denialsCollateral (value/type)6% of denials

Where Guild Mortgage Company lends in NJ

CountyDecisionsApproval
Camden County5594.5%
Middlesex County3892.1%
Burlington County3789.2%
Ocean County3786.5%
Gloucester County3497.1%
Atlantic County3190.3%
Monmouth County2993.1%

Fees & closing costs

Median total loan costs
$8,030
home purchase
As % of loan
2.46%
NJ median 1.93%
Priced originations
235
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Guild Mortgage Company’s home-purchase originations — 0.53 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Guild Mortgage Company (LEI 549300AQ3T62GXDU7D76). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →