Guild Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Guild Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
2 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
11%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
99%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, 90% to 95% did, which might mean some quoted terms changed before closing, some applicants stepped away, or both.
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What Bankrate's editors think
Guild Mortgage works with borrowers other lenders turn away: it’ll lend to people with no credit score or no Social Security number (using an ITIN in its place), finances manufactured homes and taps into more than 800 state, county and city down payment assistance programs. Its 1% Down program adds a 2% grant, up to $4,000, so buyers can get in with just 1% down.
But that flexibility has a cost. Guild charges less in added costs than fewer than 40% of comparable lenders, so you’re likely to pay more in interest, fees and points over time than you would with a more competitively priced lender. Its complaint record is the opposite story — only about 0.44 complaints per 1,000 loans, one of the strongest bands we track. Guild also closes about 92% of the loans it approves, a solid track record once you clear underwriting.
If you’ve been turned down elsewhere, Guild is worth a look. But if price is your top priority, weigh it against a lender with a stronger rate record.
At a glance
Good for borrowers who don’t fit a typical loan file — no credit score, no Social Security number, or a manufactured home. Not a good fit if low cost is your top priority: Guild charges less in added costs than fewer than 40% of the comparable lenders that Bankrate scores.
Compare lenders
Get today's rates for youCompare Guild Mortgage with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
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