Guild Holdings Co

Overview

• IndustryMortgage Bankers & Loan Correspondents¹
• HeadquartersSan Diego, California¹
• Incorporated inDE³
• Business address5887 Copley Drive, San Diego, Ca 92111³
• Filer categoryAccelerated filer, Smaller reporting company³

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Guild is a growth-oriented mortgage company that employs a relationship-based loan sourcing strategy to execute on our mission of delivering the promise of homeownership in neighborhoods and communities across the United States. Our business model is centered on providing a personalized mortgage-borrowing experience that is delivered by our knowledgeable loan officers and supported by our diverse product offerings.⁵ From its latest annual report

Corporate structure

Guild Holdings Co sits at the top of its group. 11 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Guild Holdings Co reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Properties, in its own words

Our headquarters and principal executive office is located in San Diego, California. In addition to our San Diego office, we operate from approximately 440 branch offices and 240 satellite offices located throughout the United States as of December 31, 2024. We lease our principal executive office under a lease that expires in November 2030. We also lease each of our branch and satellite offices. The square footage of our principal executive office is 141,696 square feet and the average square footage of our branch offices is approximately 1,900 square feet. The operations of our origination and servicing segments are conducted from both our principal executive office and various branch or satellite offices. Our financial obligations under our leases are not material to the scope of our operations. We believe that our facilities are in good operating condition and adequately meet our current needs, and that additional or alternative space to support future use will be available on reasonable commercial terms.

Item 2 of the 10-K filed Mar 7, 2025.⁵

Leadership

Who has led Guild Holdings Co, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerTerry Lynn Schmidt Jul 5, 2023 to now¹³
• Chief executive officerMary Ann McGarry Oct 21, 2020 to Apr 18, 2023¹⁴
• PresidentDavid Manuel Neylan Apr 17, 2024 to now¹⁵
• PresidentTerry Lynn Schmidt Oct 21, 2020 to Apr 18, 2023¹⁶
• Chief financial officerDesiree Amber Elwell Apr 17, 2024 to now¹⁷
• Chief operating officerDavid Manuel Neylan Apr 17, 2024 to now¹⁵

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

• Bellco Home Loans, LLC Colorado⁴
• Guild Administration Corp. California⁴
• Guild Financial Express, Inc. California⁴
• Guild Insurance Services, LLC Delaware⁴
• Guild Mortgage Co SPE W25, LLC Delaware⁴
• Guild Mortgage Co SPE W40, LLC Delaware⁴
• Guild Mortgage Co SPE W70, LLC Delaware⁴
• Guild Mortgage Company LLC California⁴
• Mission Village Insurance Agency California⁴
• Waterton Insurance Enterprises, LLC Delaware⁴

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

1. Nov 28, 20258-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights²⁷
2. Nov 5, 20258-K Results of operations²⁸
3. Aug 7, 20258-K Results of operations; Other events²⁹
4. Jun 20, 20258-K Entered a material agreement; Executive or director change; Shareholder vote³⁰
5. Jun 18, 20258-K Regulation FD disclosure³¹
6. Jun 2, 20258-K Bylaws or fiscal year changed; Shareholder vote³²
7. May 23, 20258-K Regulation FD disclosure³³
8. May 7, 20258-K Results of operations³⁴
9. Mar 6, 20258-K Results of operations; Other events³⁵
10. Nov 6, 20248-K Results of operations³⁶
11. Aug 8, 20248-K Results of operations³⁷
12. May 10, 20248-K Shareholder vote³⁸
13. Jul 5, 2023New chief executive Terry Lynn Schmidt becomes CEO¹³
14. Oct 21, 2020New chief executive Mary Ann McGarry becomes CEO¹⁴

Calendar

When it reported results

1. Nov 5, 2025Reported quarterly or annual results²⁸
2. Aug 7, 2025Reported quarterly or annual results²⁹
3. May 7, 2025Reported quarterly or annual results³⁴
4. Mar 6, 2025Reported quarterly or annual results³⁵
5. Nov 6, 2024Reported quarterly or annual results³⁶
6. Aug 8, 2024Reported quarterly or annual results³⁷
7. May 9, 2024Reported quarterly or annual results³⁹
8. Mar 12, 2024Reported quarterly or annual results⁴⁰

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

225 filings to the SEC since October 2021: 4 annual reports, 13 quarterly reports, 31 major events, 126 insider forms, 16 large holders, 35 other. The latest 20:

1. Feb 12, 2026SCHEDULE 13G/A EDGAR
2. Dec 8, 202515-12G EDGAR
3. Dec 1, 2025EFFECT EDGAR
4. Dec 1, 2025EFFECT EDGAR
5. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
6. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
7. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
8. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
9. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
10. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
11. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
12. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
13. Nov 28, 20254 OWNERSHIP DOCUMENT EDGAR
14. Nov 28, 2025S-8 POS EDGAR
15. Nov 28, 2025POS AM EDGAR
16. Nov 28, 2025POS AM EDGAR
17. Nov 28, 20258-K EDGAR
18. Nov 28, 2025SCHEDULE 13D/A EDGAR
19. Nov 6, 202510-Q EDGAR
20. Nov 5, 20258-K EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

19 open-market trades by officers, directors and large owners since October 2021: 10 buys and 9 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• MCCARTHY CAPITAL MORTGAGE INVESTORS, LLCSCHEDULE 13G/A, 1 filing Feb 12, 2026⁴¹
• Bayview Asset Management, LLCSCHEDULE 13D/A, 5 filings Jan 22, 2024 to Nov 28, 2025⁴²
• Adage Capital Management, L.P.SC 13G/A, 1 filing Nov 12, 2024⁴³
• Scott LindaSC 13G/A, 2 filings Feb 8, 2023 to Feb 14, 2024⁴⁴
• Mary Ann McGarrySC 13G/A, 2 filings Feb 8, 2023 to Feb 13, 2024⁴⁵
• ADAGE CAPITAL PARTNERS GP, L.L.C.SC 13G/A, 3 filings Feb 10, 2022 to Feb 7, 2024⁴⁶
• Terry Lynn SchmidtSC 13G/A, 1 filing Feb 8, 2023⁴⁷
• Cherry TheresaSC 13G/A, 1 filing Jan 24, 2022⁴⁸

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

SEC filer profile

How Guild Holdings Co is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARGuild Holdings Co¹
• CIK0001821160
• Employer ID (EIN)85-2453154⁵
• Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company⁵
• Incorporated inDelaware⁵
• Fiscal year endsDecember 31¹
• Industry code (SIC)6162 Mortgage Bankers & Loan Correspondents¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address5887 Copley Drive, San Diego, CA 92111¹
• Phone(858) 956-5130¹
• Shares outstanding21,570,827 Common Class A shares; 40,333,019 Common Class B shares as of Feb 28, 2025⁵
• Public float$198.9M as of Jun 30, 2024⁵
• AuditorKPMG LLP, Los Angeles, California PCAOB ID 185; it also attests to the company’s internal control over financial reporting⁵
• On EDGAR sinceAug 24, 2020¹
• Filings320 in all: 4 (157), 8-K (41), 10-Q (16), 3 (13), SC 13G/A (11), SC 13G (9), CORRESP (6), 10-K (5)¹
  All 41 form types

  DEF 14A (5), EFFECT (5), UPLOAD (5), 144 (4), DEFA14A (4), ARS (3), S-1/A (3), 3/A (2), 424B3 (2), POS AM (2), S-1 (2), SCHEDULE 13D/A (2), SCHEDULE 13G/A (2), SEC STAFF LETTER (2), 144/A (1), 15-12G (1), 25-NSE (1), 4/A (1), 424B4 (1), 8-A12B (1), 8-K/A (1), CERT (1), DEFM14C (1), DRS (1), DRS/A (1), DRSLTR (1), FWP (1), PRE 14A (1), PREM14C (1), S-3 (1), S-8 (1), S-8 POS (1), SCHEDULE 13D (1)

• Latest filingsAnnual report (10-K) Mar 7, 2025
  Quarterly report (10-Q) Nov 6, 2025
  Proxy statement (DEF 14A) Apr 14, 2025
  Latest 8-K (8-K) Nov 28, 2025

Securities registered for trading

From the cover page of the 10-K filed Mar 7, 2025 (Section 12(b) of the Exchange Act).⁵

Risk factors and legal proceedings

The risks Guild Holdings Co names in Item 1A of its 10-K filed Mar 7, 2025: 43 risks under these headings, as written.⁵

• Risks Related to Our Business
• A disruption in the secondary home loan market or our ability to sell the loans that we originate could have a detrimental effect on our business.
• Macroeconomic and U.S. residential real estate market conditions have and may continue to materially and adversely affect our revenue and results of operations.
• Because we are highly dependent on certain U.S. government-sponsored entities and government agencies, we may be adversely impacted by any organizational or pricing changes or changes in our relationship with these entities and agencies.
• Changes in prevailing interest rates or U.S. monetary policies have had and may continue to have a detrimental effect on our business.
• Our servicing rights are subject to termination with or without cause.
• If a significant number of our warehouse lines of credit, on which we are highly dependent, are terminated or reduced, we may be unable to find replacement financing on favorable terms, or at all, which would have a material adverse effect on us.
• Our existing and any future indebtedness could adversely affect our ability to operate our business, our financial condition or the results of our operations.
• If we do not maintain and improve the technology infrastructure that supports our origination and servicing platform or if we suffer any significant disruption in service on our platform, our ability to serve our clients may be materially and adversely impacted.
• Acquisitions and investments have in the past, and may in the future, cause our financial results to differ from our expectations or the expectations of the investment community and we may not be able to achieve anticipated benefits from such acquisitions and investments.
• Pressure from existing and new competitors may adversely affect our business, operating results, financial condition, and prospects.
• Our failure to maintain or grow our historical referral relationships with our referral partners may materially and adversely affect our business, operating results, financial condition and prospects.

Legal proceedings

We are, and from time to time may become, involved in legal and regulatory proceedings or subject to claims arising in the ordinary course of our business. We operate within highly regulated industries on a federal, state and local level and are routinely subject to various examinations and legal and regulatory proceedings in the normal and ordinary course of business. We are not presently a party to any legal or regulatory proceedings that in the opinion of our management, if determined adversely to us, would individually or taken together have a material adverse effect on our business, results of operations and financial condition.

The opening of Item 3, Legal Proceedings.⁵