Applications / Mortgage Analytics / Lenders / Georgia / Guaranty Mortgage Services
Buford, GA · Independent non-bank lender · CFPB · 184 loans in 2025
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184
loans originated, 2025
256
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranty Mortgage Services is a small Georgia lender to homebuyers: 90.2% of its 184 loans in 2025 financed a purchase, and about a third carried government backing.
Purchases make up nearly all its business. Only 67.9% of its loans were conventional, against 77.1% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) took 18.5%. Its typical loan, $335,000, was close to theirs at $315,000.
Its loans fell 3% in 2025, while similar lenders slipped 1% and the whole market grew 10%. It made 508 loans in 2020 and between 155 and 195 a year since 2022. It lends in 44 counties in two states, chiefly Georgia, and ranks 55 of 336 lenders in Gainesville, GA.
Only 12.0% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.8% at similar lenders, lower than about four in five of them. Its borrowers' incomes look much like theirs: 20.4% had low or moderate incomes, against 20.6%. One possibility is where its buyers chose to purchase; another is the markets it serves.
It denied 1.2% of first-lien home-purchase applications, against 3.6% at similar lenders, lower than about four in five of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guaranty Mortgage Services took 256 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.2% · Refinance 9.8%
Conventional 67.9% · FHA 18.5% · VA 12.0% · USDA (RHS or FSA) 1.6% · of 184 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 115 | 62.5% |
| Tennessee | 69 | 37.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 67 |
| Chattanooga | 21 |
| Gainesville | 21 |
| Marietta | 4 |
| Knoxville | 2 |
| Athens-Clarke County | 1 |
| Cleveland | 1 |
| Columbus | 1 |
| Memphis | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GSN9VF5S618659 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4293819 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1522084053 | 2011–2012 |
| Respondent ID (the HMDA filer code before 2018) | 7522084053 | 2013–2017 |
Established 9 January 2007. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Guaranty Mortgage Services's data.
Guaranty Mortgage Services's data
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