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Guild Mortgage Review 2025

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At a glance

Guild Mortgage
NMLS: 3274
Editor's take

Guild Mortgage continues to be a dominant player in mortgages. It doesn’t offer mortgages to borrowers in New York State, and J.D. Power ranked it below average in customer satisfaction in 2024.

Bankrate Score
3.9
Rating: 3.9 stars out of 5
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Bankrate Score

Customer Rating
4.1
Rating: 4.11 stars out of 5

37 ratings

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Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

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Min. credit score required

620 for conventional loans, 680 for jumbo loans, 540 for FHA loans, 540 for VA loans, 540 for USDA loans

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Nationwide availability

All U.S. states except New York

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Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans

Pros

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    Large variety of loan options 

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    Offers e-closings

Cons

  • Not available in New York

Lender compare

Compare Guild Mortgage to other lenders

Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.

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Guild Mortgage

NMLS: 3274 

3.9

Rating: 3.9 stars out of 5
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Bankrate Score

Recent Customer Reviews

Rating: 4.11 stars out of 5

4.1

37 reviews

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Chase Home Lending

NMLS: 399798 

4.9

Rating: 4.9 stars out of 5
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Bankrate Score

Recent Customer Reviews

Rating: 4.13 stars out of 5

4.1

24 reviews

SmartMortgage.com customer ratings and reviews

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NMLS: 3274

4.1

Rating: 4.11 stars out of 5

37 ratings

This lender has 25 recent reviews.

Knowledge
Rating: 4.1 stars out of 5
Level of service
Rating: 4.1 stars out of 5
Professionalism
Rating: 4.2 stars out of 5
Responsiveness
Rating: 4 stars out of 5
5 stars
4 stars
3 stars
2 stars
1 star
51%
27%
11%
3%
8%

86% of customers would recommend this lender.

10 of 25 reviews

The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

In addition to collecting reviews on-site, Bankrate collaborated with third-party Slice MR to survey 750 homeowners nationwide in July 2024. Bankrate and Slice MR collected, averaged and presented responses to nine questions. Users received an incentive for their feedback. Responses are based on individual experiences, and therefore cannot be verified for accuracy. Submissions with user ratings that are materially inconsistent with written sentiment have been removed. User ratings are unedited and have not been reviewed or approved by lenders, nor do these ratings reflect Bankrate’s own reviews of these lenders.

To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Rating: 1 stars out of 5

Very very bad

Bait and switch to the T. First time home buyers here who were so taken advantage of thay we had to hire lawyers. Absolutely do not consider Guild. Absolutely DO get multiple quotes. That's all I can say.

Knowledge
Rating: 1 stars out of 5
Level of service
Rating: 1 stars out of 5
Professionalism
Rating: 1 stars out of 5
Responsiveness
Rating: 1 stars out of 5

Rates and terms of loan honored?

No

Closed mortgage with this lender?

Yes

Closed on time?

Yes

Would you recommend this lender?

No

Person
Person (Jan. 30, 2025)

Rating: 1 stars out of 5

BAD BUSINESS

I was referred to Mark and told him and his assistant several times that I specifically wanted to take out a home equity loan... They proceeded to tell me that I could do this and should expect a rate in the 7s for this and had me fill out a full application only to tell me afterward that they could not offer the loan I originally requested. This was a complete waste of time and energy, and I presented private information that didn't need to be shared at all to come to this conclusion. His excuse was that he didn't know which kind of loan I wanted even though he and his assistant had several texts and emails clearly saying this. This felt like a bait and switch and a violation of my privacy given the fact that he knew he couldn't offer what I had requested from the start. I can only imagine this was a way to sell my private data so they could make something off me one way or another.

Knowledge
Rating: 1 stars out of 5
Level of service
Rating: 1 stars out of 5
Professionalism
Rating: 1 stars out of 5
Responsiveness
Rating: 2 stars out of 5

Rates and terms of loan honored?

No

Closed mortgage with this lender?

No

Closed on time?

N/A

Would you recommend this lender?

No

Jim
TX (Dec. 20, 2024)

Rating: 5 stars out of 5

Customer representatives will provide customized suggestions based on my specific needs and financial status

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

No

Closed mortgage with this lender?

Yes

Closed on time?

No

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 5 stars out of 5

Very nice

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 4 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

No

Would you recommend this lender?

No

Anonymous Reviewer
(July 1, 2024)

Rating: 4 stars out of 5

the application was pretty easy to get approved, i had a 700 credit score and got a loan, however their rates and terms seemed a little too much. i would recommend getting

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 3 stars out of 5
Professionalism
Rating: 3 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

No

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 3 stars out of 5

They held there end of the deal up great

Knowledge
Rating: 3 stars out of 5
Level of service
Rating: 3 stars out of 5
Professionalism
Rating: 3 stars out of 5
Responsiveness
Rating: 3 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

No

Closed on time?

N/A

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 4 stars out of 5

Everything in general was good if I need help quick response everything was on point

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 3 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 3 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

No

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 4 stars out of 5

My experience was extremely responsive, professional, and great. Working with the people at Guild Mortgage were very kind people and I enjoy working with them

Knowledge
Rating: 3 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 4 stars out of 5
Responsiveness
Rating: 3 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

No

Closed on time?

N/A

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 4 stars out of 5

Guild is a excellent source to seek a loan from I had no issues with the business I received from rhem

Knowledge
Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Professionalism
Rating: 5 stars out of 5
Responsiveness
Rating: 5 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

Yes

Closed on time?

No

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)

Rating: 4 stars out of 5

The rates were honored and the customer service was good. All of my needs were met.

Knowledge
Rating: 4 stars out of 5
Level of service
Rating: 4 stars out of 5
Professionalism
Rating: 4 stars out of 5
Responsiveness
Rating: 3 stars out of 5

Rates and terms of loan honored?

Yes

Closed mortgage with this lender?

No

Closed on time?

N/A

Would you recommend this lender?

Yes

Anonymous Reviewer
(July 1, 2024)