Academy Mortgage Corporation mortgage approval rate & lending review
Academy Mortgage Corporation decided 14,140 mortgage applications and funded 13,566 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Academy Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to academy.guildmortgage.com.
Academy Mortgage Corporation at a glance
Approval is 10.0 points above the 86.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 12,152 / 12,510 | 99% | $325K | 12,080 |
| Cash-out refinance | 89% | 466 / 524 | 97% | $265K | 454 |
| Refinance | 91% | 183 / 202 | 99% | $375K | 182 |
| Investment property purchase | 96% | 731 / 760 | 99% | $255K | 722 |
| Investment cash-out refinance | 88% | 86 / 98 | 100% | $185K | 86 |
| Investment refinance | 91% | 42 / 46 | 100% | $335K | 42 |
Academy Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $205K | 1,607 | 1,534 |
| Utah | 98% | $405K | 1,538 | 1,491 |
| Washington | 98% | $425K | 1,311 | 1,273 |
| Arizona | 94% | $355K | 1,254 | 1,163 |
| Florida | 95% | $215K | 1,253 | 1,187 |
| Idaho | 98% | $315K | 913 | 896 |
| California | 98% | $355K | 866 | 840 |
| Colorado | 97% | $375K | 834 | 804 |
| Oregon | 98% | $405K | 579 | 564 |
| North Carolina | 98% | $295K | 561 | 548 |
| Georgia | 95% | $335K | 520 | 492 |
| Massachusetts | 96% | $245K | 423 | 403 |
| Michigan | 95% | $95K | 422 | 398 |
| New Mexico | 96% | $235K | 313 | 297 |
| Maryland | 98% | $215K | 258 | 250 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Academy Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Canyon County, ID | Mortgage lenders | 99% | 396 | 391 |
| Salt Lake County, UT | Mortgage lenders | 99% | 360 | 354 |
| Thurston County, WA | Mortgage lenders | 100% | 329 | 327 |
| Utah County, UT | Mortgage lenders | 100% | 318 | 316 |
| Mesa County, CO | Mortgage lenders | 97% | 316 | 303 |
| Weber County, UT | Mortgage lenders | 99% | 301 | 297 |
| King County, WA | Mortgage lenders | 99% | 300 | 296 |
| Bexar County, TX | Mortgage lenders | 94% | 312 | 292 |
| Ada County, ID | Mortgage lenders | 100% | 270 | 268 |
| Duval County, FL | Mortgage lenders | 93% | 283 | 262 |
| Hidalgo County, TX | Mortgage lenders | 97% | 259 | 250 |
| Cameron County, TX | Mortgage lenders | 96% | 218 | 208 |
The county markets where Academy Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Academy Mortgage Corporation
What is Academy Mortgage Corporation's mortgage approval rate?
Academy Mortgage Corporation approved 96.6% of the 14,140 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Academy Mortgage Corporation offers?
Borrowers accepted 99% of the loans Academy Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Academy Mortgage Corporation make?
The typical home purchase mortgage loan Academy Mortgage Corporation made was $325K; across all loan types its typical loan ran from $185K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Academy Mortgage Corporation lend?
Academy Mortgage Corporation decided applications in 47 of the states Fat Boy Data covers, most of them in Texas, Utah and Washington.
Can I apply to Academy Mortgage Corporation directly?
Yes. Academy Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is academy.guildmortgage.com.
Does this page show Academy Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Academy Mortgage Corporation treats applications, then get a rate quote from the lender.