Guild Holdings Co. ( (GHLD) ) has released its Q2 earnings. Here is a breakdown of the information Guild Holdings Co. presented to its investors.
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Guild Holdings Company, a prominent player in the mortgage industry, is known for its relationship-based loan sourcing strategy aimed at facilitating homeownership across the United States. In its latest earnings report for the second quarter of 2025, Guild Holdings showcased robust financial performance despite challenging market conditions. The company reported total originations of $7.5 billion, a significant increase from the previous quarter, and a net revenue of $279.4 million. Notably, 89% of the loan volume was attributed to purchase originations, highlighting the company’s strong foothold in the purchase market.
Guild Holdings achieved a net income attributable to the company of $18.7 million, a remarkable turnaround from a net loss in the first quarter of 2025. The adjusted net income reached $41.4 million, marking the highest level since 2021. The company’s return on average equity was 6.2%, while the adjusted return on average equity was an impressive 13.7%. The servicing portfolio’s unpaid principal balance grew to $96.3 billion, reflecting the company’s expanding servicing capabilities.
The origination segment reported a net income of $23.4 million, driven by a 44% quarter-over-quarter growth in originations. The servicing segment also performed well, with a net income of $27.3 million, despite a valuation loss on mortgage servicing rights due to interest rate volatility. Guild’s strategic focus on growth and efficiency has been evident in its improved expense and profitability metrics.
Looking ahead, Guild Holdings is poised to continue building on its strong platform and is optimistic about completing its pending transaction with Bayview. The company’s management remains focused on leveraging its balanced business model to navigate the evolving market landscape and deliver value to its stakeholders.