Guild Mortgage: The Mortgage Giant on Fire in 2025!

Ladies and gentlemen, buckle up! We're diving headfirst into the world of mortgage giants, and today, we're talking about Guild Mortgage. This company is ON FIRE, and you need to know why!

The Numbers Don't Lie: Guild Mortgage's 2024 Performance

Let's start with the numbers. Guild Mortgage originated a whopping $24.0 billion in mortgage loans in 2024, up from $15.3 billion in 2023. That's a 57% increase, folks! And get this: 88.1% of those loans were purchase originations. This company is capitalizing on the housing market like a pro!

But it's not just about the volume. Guild Mortgage's net income skyrocketed to $97.1 million in 2024, compared to a net loss of $39.0 million in 2023. That's a turnaround story for the ages! And their adjusted net income? A cool $90.2 million. This company is printing money!

The Secret Sauce: People, Technology, and Strategy

So, what's the secret sauce behind Guild Mortgage's success? It's all about investing in people and technology. CEO Terry Schmidt has been laser-focused on nurturing a talented workforce and integrating cutting-edge technology. The acquisition of Academy Mortgage Corp. in February 2024 added 20% to 25% more volume, 1,000 employees, and approximately 200 branches. That's a game-changer!

And let's not forget about GuildGPT, their in-house AI system. This innovation allows team members to access customer information swiftly, enhancing service delivery. In an industry where speed is king, this is a game-changer!

Navigating the Market: FOMC Pivot and Forecasted Trends

The Federal Open Market Committee's pivot in response to inflation, with a rate drop of 50 basis points in September 2024, has created a more favorable environment for mortgage originations. The Mortgage Bankers Association's February 2025 Mortgage Finance Forecast projects an increase in the average 10-year treasury yield by 20 basis points from 4.3% to 4.5% and a decrease in the average 30-year mortgage interest rate by 10 basis points. This suggests that while interest rates may decline, the extent of the decline may not be sufficient to drive a significant increase in refinance activity.

But Guild Mortgage is ready for the challenge. Their focus on the purchase market, with a community-focused, customer-for-life approach, has allowed them to generate consistent cash flow growth. And with a servicing portfolio of $93.0 billion as of December 31, 2024, they're well-positioned to capitalize on future opportunities.

The Bottom Line: Guild Mortgage is a No-Brainer!



Guild Mortgage's growth in 2024 was driven by strategic acquisitions, a focus on purchase originations, investment in technology and people, and growth in its servicing portfolio. The sustainability of these trends will depend on the interest rate environment, market competition, and economic uncertainty. But one thing is clear: Guild Mortgage is a no-brainer!

So, what are you waiting for? Get in on the action and invest in Guild Mortgage today! This company is a winner, and you don't want to miss out on the next big thing in the mortgage industry. BOO-YAH!