Lender in Virginia · HMDA 2025
Guild Mortgage Company mortgages in Virginia
Guild Mortgage Company's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Guild Mortgage Company originated 879 owner-occupied single-family loans in Virginia from 972 completed applications.
Its median conventional purchase loan costs were $5,840 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
879
of 972 applications
Denial rate
3.8%
Purchase · VA 6.9%
Rate spread
+0.16 pts
Conv. · VA +0.10 pts
Loan amount
$385,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 837 | 764 | 3.8% | 6.625% | +0.16 pts | $5,840 | $385,000 |
| Refinance | 94 | 80 | 7.4% | 6.125% | −0.06 pts | $4,970 | $455,000 |
| Cash-out refinance | 41 | 35 | 9.8% | — | — | — | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Guild Mortgage Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 32.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greensville County | 6 | 2 | 3.1% |
| Craig County | 7 | 2 | 2.7% |
| Covington city | 10 | 1 | 1.3% |
| Shenandoah County | 11 | 14 | 2.0% |
| Winchester city | 11 | 6 | 1.7% |
| Greene County | 12 | 10 | 2.7% |
| Fairfax city | 12 | 7 | 1.8% |
| Amelia County | 12 | 5 | 2.5% |
| Dinwiddie County | 13 | 9 | 1.9% |
| Rockingham County | 14 | 13 | 1.3% |
| Warren County | 14 | 12 | 1.6% |
| Petersburg city | 14 | 9 | 1.8% |
| Frederick County | 16 | 27 | 1.4% |
| Albemarle County | 16 | 23 | 1.6% |
| Charlottesville city | 16 | 4 | 1.4% |
| Clarke County | 16 | 3 | 1.6% |
| Nelson County | 16 | 3 | 1.9% |
| Culpeper County | 17 | 17 | 1.7% |
| Harrisonburg city | 17 | 3 | 1.2% |
| Emporia city | 17 | 1 | 2.1% |
| York County | 18 | 14 | 1.3% |
| Fauquier County | 19 | 19 | 1.6% |
| Northumberland County | 19 | 3 | 1.5% |
| Roanoke city | 20 | 15 | 1.2% |
| Alexandria city | 21 | 30 | 1.5% |
| Fluvanna County | 22 | 5 | 1.0% |
| Hopewell city | 22 | 5 | 1.2% |
| Manassas city | 22 | 5 | 1.0% |
| Cumberland County | 23 | 2 | 1.3% |
| Poquoson city | 24 | 3 | 1.0% |
- Guild Mortgage Company nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology