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Guild Mortgage Company

Independent Mortgage Company•Glendale, CAHQ•Direct•Reviews near you on Google

Guild Mortgage Company's 58.5k closed loans and 79k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
USDA Champion
USDA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • High volume lender with significant market experience
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Guild Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+38.7 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
35,917 loans · 0.36% above market
Exceptional
Top 10% of lenders
5/5
FHA
15,589 loans · 0.65% above market
Exceptional
Top 5% of lenders
5/5
VA
5,202 loans · 0.17% below market
Exceptional
Top 10% of lenders
5/5
Jumbo
719 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
USDA
1,123 loans · 0.06% below market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
52,902 loans · 0.40% above market
Exceptional
Top 5% of lenders
5/5
Refinance
5,648 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Exceptional
Top 20% of lenders
5/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume35,917
Mix61.3%
Spread
+0.360%Above
Fees
$3,464Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume15,589
Mix26.6%
Spread
+0.647%Above
Fees
$3,849Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume5,202
Mix8.9%
Spread
-0.171%Below
Fees
$3,563Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume719
Mix1.2%
Spread
+0.289%Above
Fees
$2,699Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,123
Mix1.9%
Spread
-0.061%Below
Fees
$2,580Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume52,902
Mix90.4%
Spread
+0.402%Above
Fees
$3,621Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume5,648
Mix9.6%
Spread
+0.279%Above
Fees
$3,054Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
58,550
Applications
79,496
Volume
$20 billion
Pricing & Closing
Avg Rate Spread
+0.387%
vs. market APOR
Avg Net Fees
$3,553
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$355,984
Avg Borrower Income
$131,762
Avg Property Value
$446,660

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

50Full-year 2024 · HMDA
50 states with loan originations
Loans originated
< 200200–500500–1,0001,000–2,0002,000+None
Northeast8
CTMEMANHNJPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 2,800Mix 4.78% of portfolio
100/100
Exceptional
2© Thomas Kirchel · CC BY-SA 4.0
Columbia, SCMetro
Volume 959Mix 1.64% of portfolio
100/100
Exceptional
3© G. Edward Johnson · CC BY 4.0
Reno, NVMetro
Volume 776Mix 1.33% of portfolio
100/100
Exceptional
4© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 523Mix 0.89% of portfolio
100/100
Exceptional
5© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 389Mix 0.66% of portfolio
100/100
Exceptional
6© Joe Mabel · CC BY-SA 3.0
Olympia, WAMetro
Volume 351Mix 0.60% of portfolio
100/100
Exceptional
7© James Willamor · CC BY-SA 3.0
Montgomery, ALMetro
Volume 493Mix 0.84% of portfolio
100/100
Exceptional
8© c_live_lee · CC0
Augusta, GA-SCMetro
Volume 587Mix 1.00% of portfolio
99/100
Exceptional
9© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 454Mix 0.78% of portfolio
98/100
Exceptional
10© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 1,598Mix 2.73% of portfolio
96/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Nevada
Nevada
1
NevadaState
Volume 2,854Mix 4.87% of portfolio
100/100
Exceptional
Oregon
Oregon
2
OregonState
Volume 3,081Mix 5.26% of portfolio
98/100
Exceptional
Washington
Washington
3
WashingtonState
Volume 3,807Mix 6.50% of portfolio
97/100
Exceptional
New Mexico
New Mexico
4
New MexicoState
Volume 1,346Mix 2.30% of portfolio
94/100
Exceptional
Wyoming
Wyoming
5
WyomingState
Volume 403Mix 0.69% of portfolio
91/100
Exceptional
Missouri
Missouri
6
MissouriState
Volume 3,817Mix 6.52% of portfolio
91/100
Exceptional
South Carolina
South Carolina
7
South CarolinaState
Volume 1,879Mix 3.21% of portfolio
91/100
Exceptional
Maine
Maine
8
MaineState
Volume 1,122Mix 1.92% of portfolio
90/100
Exceptional
Utah
Utah
9
UtahState
Volume 2,395Mix 4.09% of portfolio
90/100
Exceptional
Alabama
Alabama
10
AlabamaState
Volume 1,317Mix 2.25% of portfolio
88/100
Exceptional
Showing 10 of 50 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.