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Guaranty Mortgage Services

Independent Mortgage Company•Springfield, ILHQ•Direct•Reviews near you on Google

Guaranty Mortgage Services has 172 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume128
Mix74.4%
Spread
+0.433%Above
Fees
$4,422Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume20
Mix11.6%
Spread
+0.971%Above
Fees
$4,745Fees
VA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume18
Mix10.5%
Spread
+0.307%Above
Fees
$3,962Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume159
Mix92.4%
Spread
+0.433%Above
Fees
$4,408Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
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

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
FLGATN

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY 2.5
Gainesville, GAMetro
Volume 30Mix 17.44% of portfolio
74/100
Strong
2© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 56Mix 32.56% of portfolio
64/100
Strong
3© James Pressley · CC BY-SA 3.0
Chattanooga, TN, TN-GAMetro
Volume 16Mix 9.30% of portfolio
53/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 106Mix 61.63% of portfolio
68/100
Strong
Tennessee
Tennessee
2
TennesseeState
Volume 65Mix 37.79% of portfolio
64/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.