Guaranty Mortgage Services
Guaranty Mortgage Services has 172 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,368)
Explore another lender or local market
Report Card
Guaranty Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+46.6 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
128 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
FHA
20 loans · 0.97% above market
Sound
Top 60% of lenders
3/5
VA
18 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
159 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
Refinance
13 loans · 0.91% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 128 | 74.4% | +0.433%Above | $4,422Fees | ||||
FHA Loans | — | 20 | 11.6% | +0.971%Above | $4,745Fees | |||
VA Loans | — | 18 | 10.5% | +0.307%Above | $3,962Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume128
Mix74.4%
Spread
+0.433%Above
Fees
$4,422Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume20
Mix11.6%
Spread
+0.971%Above
Fees
$4,745Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume18
Mix10.5%
Spread
+0.307%Above
Fees
$3,962Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 159 | 92.4% | +0.433%Above | $4,408Fees | ||||
Refinance | — | 13 | 7.6% | +0.912%Above | $3,839Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume159
Mix92.4%
Spread
+0.433%Above
Fees
$4,408Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume13
Mix7.6%
Spread
+0.912%Above
Fees
$3,839Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
172
Applications
247
Volume
$54 million
Pricing & Closing
Avg Rate Spread
+0.466%
vs. market APOR
Avg Net Fees
$4,368
Origination − Credits
Pullthrough Rate
69.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$318,605
Avg Borrower Income
$121,709
Avg Property Value
$428,779
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 5050+None
South3
FLGATN
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.