Lender lookup
GUILD MORTGAGE COMPANY
This page shows two things. First, first-lien conventional purchase loans that closed in 2025. Second, CFPB mortgage complaints from 2025-01-01 to 2025-12-31. Both cover California, Texas and Florida.
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Median interest rate reported to HMDA, 2025, first-lien conventional purchase loans. HMDA does not report APR.
The most cited reason for a denial at this lender in 2025 was Debt-to-income ratio, named in 32.7% of its 211 denials in California, Texas and Florida.
By state
| State | Loans | Median rate | Median total loan costs | Denial rate |
|---|---|---|---|---|
| California | 1,901 | 6.625% | $8,948 | 2.31% |
| Texas | 2,567 | 6.625% | $7,720 | 2.87% |
| Florida | 1,077 | 6.625% | $6,941 | 6.27% |
CFPB complaints, 2025-01-01 to 2025-12-31
This lender had 18 complaints in CA, TX and FL in 2025. That is 3.25 complaints per 1,000 loans it made there in 2025. We matched it to the CFPB company "Guild Holdings Company".
For context only: this company had 203 mortgage complaints nationwide over the most recent 24 months. This number is not part of the ratio above.
What the complaints were about
"Applying and closing" means complaints about applying, closing, or a rate lock. "Paying the loan" means complaints about payments, escrow, servicing, or foreclosure. Other complaints, like credit reporting, are not in either group.
Five most common complaint types
- Trouble during payment process7
- Closing on a mortgage4
- Struggling to pay mortgage3
- Applying for a mortgage or refinancing an existing mortgage1
- Improper use of your report1
What this does not tell you
- Complaint counts are not adjusted for lender size or who it serves. A lender that closes more loans often gets more complaints. A lender that serves more first-time buyers often gets more complaints too. This does not mean it is doing anything worse.
- A denial is not always the lender's fault. Underwriting rules, loan type, and the borrower's own file all affect approval.
- The rate and cost numbers are medians across many different borrowers, loan sizes and credit scores. Your own quote will differ.
Check the lender's licence yourself. Search NMLS Consumer Access.
Sources: Home Mortgage Disclosure Act loan-level data, Consumer Financial Protection Bureau. First-lien conventional loans (loan_type 1, lien_status 1) for a home purchase (loan_purpose 1) in California, Texas and Florida, 2024. Consumer Complaint Database, Consumer Financial Protection Bureau, product Mortgage, 2025-01-01 to 2025-12-31. Complaints are not verified and publication is not an endorsement of the allegations. Counts are not adjusted for the size of the lender or who it serves.