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GUILD MORTGAGE COMPANY LLC
Independent Mortgage Company|GLENDALE, CA|National
Loans Originated
58,550
Applications
79,496
Volume
$20 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.387%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,553
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.7%
Percentage of applications that result in closed loans
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
Report Card
GUILD MORTGAGE COMPANY LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Exceptional | National · 50 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$355,984
Average Borrower Income
$131,762
Average Property Value
$446,660
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 35,917 | 61.3% | +0.360% | $3,464 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 15,589 | 26.6% | +0.647% | $3,849 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 5,202 | 8.9% | -0.171% | $3,563 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 719 | 1.2% | +0.289% | $2,699 |
USDA Loans | Strong | Exceptional | Strong | Strong | 1,123 | 1.9% | -0.061% | $2,580 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 52,902 | 90.4% | +0.402% | $3,621 |
Refinance | Sound | Exceptional | Acceptable | Strong | 5,648 | 9.6% | +0.279% | $3,054 |
Geographic Coverage
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 2,800Mix: 4.78%
Place Specialization
Exceptional
2
Columbia, SC, SCMSA
Volume: 959Mix: 1.64%
Place Specialization
Exceptional
3
Reno, NV, NVMSA
Volume: 776Mix: 1.33%
Place Specialization
Exceptional
4
Lancaster, PA, PAMSA
Volume: 523Mix: 0.89%
Place Specialization
Exceptional
5
Salem, OR, ORMSA
Volume: 389Mix: 0.66%
Place Specialization
Exceptional
6
Olympia, WAMSA
Volume: 351Mix: 0.60%
Place Specialization
Exceptional
7
Montgomery, AL, ALMSA
Volume: 493Mix: 0.84%
Place Specialization
Exceptional
8
Augusta, GA-SCMSA
Volume: 587Mix: 1.00%
Place Specialization
Exceptional
9
St. George, UT, UTMSA
Volume: 454Mix: 0.78%
Place Specialization
Exceptional
10
Las Vegas, NVMSA
Volume: 1,598Mix: 2.73%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 2,854Mix: 4.87%
Place Specialization
Exceptional
2
ORState
Volume: 3,081Mix: 5.26%
Place Specialization
Exceptional
3
WAState
Volume: 3,807Mix: 6.50%
Place Specialization
Exceptional
4
NMState
Volume: 1,346Mix: 2.30%
Place Specialization
Exceptional
5
WYState
Volume: 403Mix: 0.69%
Place Specialization
Exceptional
6
MOState
Volume: 3,817Mix: 6.52%
Place Specialization
Exceptional
7
SCState
Volume: 1,879Mix: 3.21%
Place Specialization
Exceptional
8
MEState
Volume: 1,122Mix: 1.92%
Place Specialization
Exceptional
9
UTState
Volume: 2,395Mix: 4.09%
Place Specialization
Exceptional
10
ALState
Volume: 1,317Mix: 2.25%
Place Specialization
Exceptional
Showing 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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