Applications / Mortgage Analytics / Lenders / California / Guild Mortgage Company
San Diego, CA · Independent non-bank lender · CFPB · 86,111 loans in 2025
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86,111
loans originated, 2025
120,556
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guild Mortgage Company, a home-purchase lender on record since the public data began in 1990, ranks first of 637 lenders in St. Louis and lends more than most similar lenders to lower-income borrowers and areas.
It held 5.4% of lending in St. Louis, unchanged and first, ahead of United Wholesale Mortgage and Rocket Mortgage. It ranked fourth in Portland-Vancouver-Hillsboro, a market it entered in 1992, but its share fell to 4.3% from 5.0%; competition or a shift of effort to other markets could explain that. In Denver-Aurora-Centennial it ranked fourth, with 2.3% against 2.2%.
32.0% of its loans went to LMI (low- and moderate-income) borrowers, against 29.5% at similar lenders (independent non-bank lenders making between half and twice as many loans), and 20.8% were in LMI areas, against 19.1%; both were higher than at more than eight in ten of them. Majority-minority areas took 21.9%, against 25.9%, which the mix of markets it serves could explain.
1.5% of its loans were RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), against 0.5%, and 4.3% were for manufactured homes, against 2.2%, the highest share among similar lenders. Home purchases were 82.4% of its lending.
It denied 3.2% of decided first-lien home-purchase applications on owner-occupied homes, against 8.6% at similar lenders, and 8.2% of refinance applications, against 17.3%. Its higher-priced share (a rate well above the average for similar loans) fell to 2.6% from 4.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guild Mortgage Company took 120,556 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.4% · Refinance 17.3% · Not applicable 0.3% · Home improvement 0.0%
Conventional 65.9% · FHA 24.3% · VA 8.4% · USDA (RHS or FSA) 1.5% · of 86,111 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 6,877 | 8.0% |
| Washington | 5,691 | 6.6% |
| Missouri | 5,462 | 6.3% |
| Colorado | 4,338 | 5.0% |
| Oregon | 4,218 | 4.9% |
| California | 4,118 | 4.8% |
| Utah | 3,981 | 4.6% |
| Nevada | 3,882 | 4.5% |
| Georgia | 3,788 | 4.4% |
| Arizona | 3,467 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 3,632 |
| Portland-Vancouver-Hillsboro | 2,377 |
| Denver-Aurora-Centennial | 1,947 |
| Phoenix-Mesa-Chandler | 1,864 |
| Las Vegas-Henderson-North Las Vegas | 1,808 |
| Atlanta-Sandy Springs-Roswell | 1,608 |
| Houston-Pasadena-The Woodlands | 1,381 |
| Reno | 1,357 |
| Albuquerque | 1,355 |
| Columbia | 1,346 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AQ3T62GXDU7D76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1569885 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7471809999 | 1990–2017 |
Established 10 August 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Guild Mortgage Company's data.
Guild Mortgage Company's data
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