# GUARANTY MORTGAGE SERVICES, L.L.C.

> **Canonical URL:** https://saferate.com/lenders/guaranty-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GUARANTY MORTGAGE SERVICES, L.L.C. is a independent mortgage company, headquartered in SPRINGFIELD, IL, serving borrowers across 3 states, with 172 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GSN9VF5S618659
- **Headquarters:** SPRINGFIELD, IL
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, GA, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.466%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,368
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 172
- **Dollar Volume:** $55 million
- **Applications Received:** 247
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $318,605
- **Average Borrower Income:** $121,709
- **Average Property Value:** $428,779

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 128 | +0.433% | $4,422 | Sound ☺️ |
| FHA | 52/100 | 20 | +0.971% | $4,745 | Sound ☺️ |
| VA | 57/100 | 18 | +0.307% | $3,962 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 117 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 159 | $52M | +0.433% | Sound ☺️ |
| Refinance | 22/100 | 13 | $3M | +0.912% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 106 | 0.08% | 68/100 |
| TN | 65 | 0.07% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 56 | 64/100 |
| Non |  | 54 | 50/100 |
| Gainesville, GA | GA | 30 | 74/100 |
| Chattanooga, TN | TN-GA | 16 | 53/100 |

## Frequently Asked Questions

### What loan types does GUARANTY MORTGAGE SERVICES, L.L.C. offer?

GUARANTY MORTGAGE SERVICES, L.L.C. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GUARANTY MORTGAGE SERVICES, L.L.C. offer mortgages?

GUARANTY MORTGAGE SERVICES, L.L.C. offers mortgages in 3 states: FL, GA, TN.

### How competitive are GUARANTY MORTGAGE SERVICES, L.L.C.'s mortgage rates?

GUARANTY MORTGAGE SERVICES, L.L.C. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.466% above market average.

### What type of lender is GUARANTY MORTGAGE SERVICES, L.L.C.?

GUARANTY MORTGAGE SERVICES, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in SPRINGFIELD, IL.

### What is GUARANTY MORTGAGE SERVICES, L.L.C.'s loan approval success rate?

GUARANTY MORTGAGE SERVICES, L.L.C. has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guaranty-mortgage-services

### How to Cite

> "GUARANTY MORTGAGE SERVICES, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guaranty-mortgage-services

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