Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender in Massachusetts · HMDA 2025

Guild Mortgage Company mortgages in Massachusetts

Guild Mortgage Company's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.

Guild Mortgage Company originated 1,895 owner-occupied single-family loans in Massachusetts from 2,060 completed applications, making it the state's #6 lender by volume.

Its median conventional purchase loan costs were $5,290 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.625% (Massachusetts: 6.575%).

Loans in MA
1,895
of 2,060 applications
Denial rate
2.6%
Purchase · MA 6.3%
Rate spread
+0.09 pts
Conv. · MA +0.02 pts
Loan amount
$425,000
Purchase · MA $495,000

By loan purpose

PurposeApplicationsLoansDenial rate30-yr rate*Rate spread*Loan costs*Median loan
Home purchase1,5731,4752.6%6.625%+0.09 pts$5,290$425,000
Refinance3363065.7%6.375%−0.04 pts$4,000$485,000
Cash-out refinance15111417.2%6.750%+0.24 pts$4,850$365,000

*Conventional loans only; medians with at least 20 loans.

Massachusetts counties where Guild Mortgage Company ranks in the top 25

CountyRankLoansMarket share
Bristol County23936.5%
Berkshire County317013.1%
Franklin County4395.9%
Worcester County63243.1%
Hampshire County6524.1%
Norfolk County81862.5%
Plymouth County101642.5%
Suffolk County111092.0%
Middlesex County132451.5%
Essex County131221.5%
Nantucket County1411.6%
Hampden County21701.4%
Barnstable County24200.9%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology