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GU · Statewide HMDA 2024

Guam mortgage lending

According to the CFPB HMDA 2024 Snapshot, 4 reporting lenders · 1 counties.

Top lenders ↓ All states

Volume rank is not origination-share rank

According to the CFPB HMDA 2024 Snapshot, Guam ranks #53 of 54 by application volume and sits below the 10,000-application origination-share board (157 applications). Volume rank is not origination-share rank.

n/a
Below 10,000-app share board
71.3%
Origination share
112
Originated
7.6%
Denial rate

According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.

CFPB HMDA state filing plate

State GU · Guam 7.6% denial

VOL-TRACE · DEN-QUIET · CLEAR-PEER · ORIG-MID · BOOK-FULL · LEAD-DOM

  • VOL-TRACE #53/54
  • DEN-QUIET 7.6%
  • CLEAR-PEER North Dakota
  • ORIG-MID 71.3%
  • BOOK-FULL 4 lenders
  • LEAD-DOM 72% Total Mortga

Photo-finish peer: North Dakota · 10.8% denial (+3.2pp vs Guam)

2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.

Denial-rate neighbourhood · Guam

Poles and nearest peers by statewide HMDA denial rate, not a full state roster.

Denial band
Hawaii · highest22.4%Nebraska · near12.3%Iowa · near12.1%U.S. Virgin Islands · near11.8%North Dakota · near10.8%Guam · this state7.6%

Top lenders by originations · Guam

Funded loans among HMDA-reporting institutions active in this state.

State market
1. Total Mortgage Services, …812. Cmg Mortgage INC133. Carrington Mortgage Servi…94. Norwich Commercial Group …9

Where Guam sits by application volume

2024 CFPB HMDA states and territories, bucketed by mortgage applications filed

157 2nd percentile higher than 2% of 54 states and territories

This state 0 1,200,000 states and territories, grouped by applications

Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.

Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year

Top counties by originations · Guam

In-state county volume from the same HMDA county board linked below.

County mix
1. Guam111

How Guam compares. Its 7.6% denial rate - 9.5pp below the national 17.2% baseline. The volume-rank and share figures above don't carry that national comparison. Drill into counties and lenders before inferring market-wide underwriting from the statewide average. This page is informational data reporting, not financial, legal, or mortgage advice.

Nearby Lenders in Guam

Top HMDA-reporting lenders active in Guam. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Total Mortgage Services, LLC 81 72.3%
2 Cmg Mortgage INC 13 11.6%
3 Carrington Mortgage Services L 9 8.0%
4 Norwich Commercial Group INC 9 8.0%
Compare Total Mortgage Services, LLC vs Cmg Mortgage INC →

Reported outcomes by applicant race in Guam

CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.

Race Applications Approval Rate Denial Rate
Native Hawaiian or Other Pacific Islander 60 71.7% 6.7%sample too small to read
Asian 58 75.9% 10.3%sample too small to read
Joint 9 44.4% 0.0%sample too small to read
White 9 77.8% 11.1%sample too small to read
2 or more minority races 7 71.4% 0.0%sample too small to read
Black or African American 3 33.3% 0.0%sample too small to read

Every county in Guam, by lending volume

County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.

County Applications Originated Denial Rate Avg Loan
Guam 156 111 7.7% $403,077

Frequently Asked Questions

How many mortgage applications were filed in Guam?
In the 2024 HMDA reporting year, 157 mortgage applications were filed in Guam. Of these, 112 were originated (approved and funded), while 12 were denied, resulting in a denial rate of 7.6%.
Where does Guam sit among U.S. states for mortgage volume?
According to CFPB HMDA 2024 application volume across U.S. states and territories, Guam ranks #53 of 54. It is below the 10,000-application origination-share board (157 applications). The /states hub sorts by application volume for this ranking basis. See /methodology#corpus-placement.
What is the mortgage denial rate in Guam?
The mortgage denial rate in Guam is 7.6%, meaning 7.6% of all applications were denied by lenders. The approval (origination) rate is 71.3%.
What is the average mortgage loan amount in Guam?
The average mortgage loan amount in Guam is $406,592. The average interest rate across all loan types is 6.247%.
How many mortgage lenders operate in Guam?
4 mortgage lenders reported HMDA data for Guam. These include banks, credit unions, and independent mortgage companies that filed lending activity for this state.
Which counties in Guam have the most mortgage activity?
The top counties by mortgage volume in Guam are Guam (111 originations). There are 1 counties with HMDA mortgage data in the state.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Guam, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- state geography follows U.S. Census Bureau standards; demographic data reflects derived categories as reported by applicants. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.