On This Page

At a glance

NMLS: 3274

Editor's take

While Guild Mortgage finished slightly below average for customer satisfaction in J.D. Power’s most recent rankings, the company does offer some harder-to-find loan options for niche borrowers such as bank statement mortgages and interest-only mortgages. There are other unique programs available, too, including a BuyNow option that feels like an all-cash offer — making this lender a good pick if you are trying to buy in an especially competitive market.

Bankrate Score

4.0

Bankrate Score

Customer Rating

4.3

29 ratings

Loans offered

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

Min. credit score required

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

Nationwide availability

All U.S. states except New York

Min. down payment

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

Recent customer reviews

The customer 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.

Read 0 customer reviews for Guild Mortgage

Guild Mortgage overview

Established in 1960, Guild Mortgage is an online and brick-and-mortar lender with more than 4,000 employees operating in more than 350 branches. It was the nation’s 12th-largest lender in 2024, according to federal data. The lender offers a range of mortgage products, the MyMortgage online portal and local in-house processing, underwriting and funding. In late 2025, Guild was purchased by Bayview Asset Management, a global investment management firm.

Pros and cons of Guild Mortgage

Pros

Large variety of loan options
Offers e-closings
Above-average J.D. Power customer satisfaction scores for both origination and servicing

Cons

Doesn’t list rates online
Not available in New York
Relies on live agents rather than a fully digital process

How Bankrate scored Guild Mortgage

Affordability: 3.4 stars

Guild Mortgage doesn’t disclose mortgage rates unless you get in touch with a loan officer or request a preapproval, although the lender does offer ways to make the upfront costs more affordable, including a 1% down program. We score it 3.4 out of 5 stars for affordability since rates aren’t readily available for comparison.

Down payment: Guild Mortgage has a 1% down payment program and Zero Down, which pairs an FHA mortgage with a second mortgage. Notably, the lender participates in 800+ down payment assistance programs.
Closing costs: You’ll need to contact a loan officer to learn about your specific closing costs.

Availability: 5 stars

Guild Mortgage scores 5 out of 5 stars for availability for its near-nationwide presence and robust slate of loan options.

Where to find: You can apply for a mortgage with Guild Mortgage online, by phone or in person at a branch location.

Borrower experience: 3.6 stars

Guild’s fast approvals, convenience and high J.D. Power scores were offset a bit by less stellar rate transparency, yielding a score of 3.6/5.

Preapproval and application process: While Guild Mortgage offers online prequalification and preapproval, you’ll first need to connect with a loan officer to review your options. You can apply for a mortgage or refinance through the lender’s MyMortgage portal, where you can upload documents and manage checklists from any device. You can also submit income and asset information electronically (or this information can be retrieved directly from the source), communicate with a loan officer and receive real-time status updates. The lender also offers e-closing capabilities, with a 17-day closing guarantee — one of the fastest turnaround times in the industry.
Customer service: You can reach Guild’s customer service team at 800-971-3864 Monday through Friday from 6 a.m. to 5 p.m. PST.

How easy is it to contact Guild Mortgage?

When we recently called this number with a simple question about current 30-year mortgage rates, however, we were bounced to several reps and finally disconnected without an answer.

Guild Mortgage reputation

Guild Mortgage is accredited by the Better Business Bureau with an A+ rating, but a customer star rating of two out of five (at the time of this review). J.D. Power, however, ranked the lender second in customer satisfaction among major U.S. mortgage servicers in 2025.

What Bankrate users say about Guild Mortgage

Guild Mortgage borrowers who shared their experiences with Bankrate were generally upbeat: “Extremely responsive, professional,” one borrower says. Another adds: “The people at Guild Mortgage were very kind and I enjoy working with them.”

Guild Home Mortgage in the news

In September 2025, Guild Mortgage announced a partnership with Homium, which offers shared appreciation mortgage (SAM) financing for first-time home buyers. SAM financing provides borrowers with up to 40 percent of a home's purchase price in down payment assistance, without adding to the monthly payments or requiring mortgage insurance. Borrowers repay the percentage of equity appreciation they received when they sell or refinance. This provides a more affordable way for buyers who need assistance in making a down payment. The program launches this year in Detroit.

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.

Lender

NMLS: 3274

4.0

Bankrate Score

Bankrate's take

While Guild Mortgage finished slightly below average for customer satisfaction in J.D. Power’s most recent rankings, the company does offer some harder-to-find loan options for niche borrowers such as bank statement mortgages and interest-only mortgages. There are other unique programs available, too, including a BuyNow option that feels like an all-cash offer — making this lender a good pick if you are trying to buy in an especially competitive market.

Loans offered

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

Min. credit score required

Nationwide availability

All U.S. states except New York

Min. down payment

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

Recent Customer Reviews

4.3

29 reviews

Read full lender review

Lender

NMLS: 399798

5.0

Bankrate Score

Bankrate's take

The biggest bank in the U.S. and a large national mortgage lender, Chase combines branch and online service to help you get the loan you need. The bank’s mortgage unit offers special pricing for banking customers, so if you already have an account (or plan to open one), it’s worth checking out for a home loan. It has a special focus on first-time homebuyers, too, offering special loans and grants for those who need help with a down payment.

Loans offered

Conventional, jumbo, FHA, VA, refinancing and more

Min. credit score required

Nationwide availability

All U.S. states

Min. down payment

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

Recent Customer Reviews

4.3

23 reviews

Read full lender review

To help you make the most informed decisions, our mortgage lender reviews team suggests an alternative mortgage lender for each lender reviewed. In most cases, this alternative 1.) shares the same strength (affordability, availability or borrower experience) as the lender reviewed; and 2.) rates highly for Bankrate Score. In the event more than one lender meets these standards, we suggest the one with the lowest APRs.

To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:
- Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
- Availability: Loan products - 50%; licensing - 40%; credit score - 10%
- Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)
When a lender has entered a consent decree, been assessed a penalty in a case brought by a federal regulator or in a certified, federal class-action lawsuit, or received a federal judgment for harming mortgage borrowers within the past three years, we deduct one point for each penalty received from its total Bankrate Score.

Learn more about our methodology.