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Guild Mortgage Company's 58.5k closed loans and 79k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
National · 49 mkts
Safe Rate Awards⭐USDA Superstar
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Safe Rate's 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 LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +38.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 10% of lenders | |
FHA | Market Leader Top 5% of lenders | |
VA | Market Leader Top 10% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 5% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 35,917 | 61.3% | +0.360%Above | $3,464Fees | ||||
FHA Loans | 15,589 | 26.6% | +0.647%Above | $3,849Fees | ||||
VA Loans | 5,202 | 8.9% | -0.171%Below | $3,563Fees | ||||
Jumbo Loans | 719 | 1.2% | +0.289%Above | $2,699Fees | ||||
USDA Loans | 1,123 | 1.9% | -0.061%Below | $2,580Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 52,902 | 90.4% | +0.402%Above | $3,621Fees | ||||
Refinance | 5,648 | 9.6% | +0.279%Above | $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
States Served
50
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 2,800Mix: 4.78%of portfolio
Place
Exceptional2
Columbia, SC, SCMSA
Volume: 959Mix: 1.64%of portfolio
Place
Exceptional3
Reno, NV, NVMSA
Volume: 776Mix: 1.33%of portfolio
Place
Exceptional4
Lancaster, PA, PAMSA
Volume: 523Mix: 0.89%of portfolio
Place
Exceptional5
Salem, OR, ORMSA
Volume: 389Mix: 0.66%of portfolio
Place
Exceptional6
Olympia, WAMSA
Volume: 351Mix: 0.60%of portfolio
Place
Exceptional7
Montgomery, AL, ALMSA
Volume: 493Mix: 0.84%of portfolio
Place
Exceptional8
Augusta, GA-SCMSA
Volume: 587Mix: 1.00%of portfolio
Place
Exceptional9
St. George, UT, UTMSA
Volume: 454Mix: 0.78%of portfolio
Place
Exceptional10
Las Vegas, NVMSA
Volume: 1,598Mix: 2.73%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 2,854Mix: 4.87%of portfolio
Place
Exceptional2
ORState
Volume: 3,081Mix: 5.26%of portfolio
Place
Exceptional3
WAState
Volume: 3,807Mix: 6.50%of portfolio
Place
Exceptional4
NMState
Volume: 1,346Mix: 2.30%of portfolio
Place
Exceptional5
WYState
Volume: 403Mix: 0.69%of portfolio
Place
Exceptional6
MOState
Volume: 3,817Mix: 6.52%of portfolio
Place
Exceptional7
SCState
Volume: 1,879Mix: 3.21%of portfolio
Place
Exceptional8
MEState
Volume: 1,122Mix: 1.92%of portfolio
Place
Exceptional9
UTState
Volume: 2,395Mix: 4.09%of portfolio
Place
Exceptional10
ALState
Volume: 1,317Mix: 2.25%of portfolio
Place
ExceptionalShowing 10 of 50 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.