Lender in North Carolina · HMDA 2025
Guild Mortgage Company mortgages in North Carolina
Guild Mortgage Company's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Guild Mortgage Company originated 1,524 owner-occupied single-family loans in North Carolina from 1,748 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $5,480 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
1,524
of 1,748 applications
Denial rate
2.2%
Purchase · NC 7.6%
Rate spread
+0.29 pts
Conv. · NC +0.04 pts
Loan amount
$295,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,549 | 1,373 | 2.2% | 6.625% | +0.29 pts | $5,480 | $295,000 |
| Refinance | 132 | 101 | 9.8% | 6.490% | +0.12 pts | $5,050 | $335,000 |
| Cash-out refinance | 67 | 50 | 14.9% | 6.875% | +0.31 pts | $4,830 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Guild Mortgage Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 37.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Onslow County | 6 | 300 | 5.7% |
| Avery County | 6 | 8 | 5.3% |
| Lee County | 7 | 32 | 2.8% |
| Caldwell County | 8 | 25 | 2.4% |
| Wilkes County | 8 | 17 | 3.0% |
| Watauga County | 9 | 9 | 2.4% |
| Jones County | 9 | 4 | 3.4% |
| Vance County | 10 | 6 | 2.0% |
| Cleveland County | 12 | 24 | 1.9% |
| Cumberland County | 14 | 86 | 1.5% |
| Craven County | 14 | 31 | 1.6% |
| Rutherford County | 14 | 9 | 1.3% |
| Ashe County | 15 | 3 | 1.2% |
| Gaston County | 16 | 71 | 1.6% |
| Lincoln County | 16 | 29 | 1.7% |
| Duplin County | 16 | 5 | 1.4% |
| Martin County | 17 | 2 | 1.3% |
| Warren County | 18 | 2 | 1.5% |
| Bertie County | 18 | 1 | 1.3% |
| Catawba County | 19 | 37 | 1.3% |
| Carteret County | 19 | 16 | 1.5% |
| Alexander County | 20 | 3 | 0.8% |
| Harnett County | 22 | 38 | 0.9% |
| Davidson County | 22 | 29 | 1.0% |
| Hoke County | 22 | 14 | 0.8% |
| Rockingham County | 22 | 12 | 0.9% |
| Iredell County | 23 | 38 | 1.0% |
| Lenoir County | 23 | 5 | 1.0% |
| Camden County | 23 | 2 | 0.7% |
| Robeson County | 24 | 6 | 0.9% |
- Guild Mortgage Company nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology