Guild Mortgage, headquartered in San Diego, California, operates one of the broadest national branch networks in the mortgage industry. The company is licensed in 49 states and the District of Columbia and has been steadily expanding its presence in the reverse mortgage sector, especially after integrating Cherry Creek Mortgage in 2023.

2025 HECM Performance

Based on the latest 2025 endorsement data, Guild ranks as one of the top 10 reverse mortgage lenders in the country.

Guild Mortgage 2025 Snapshot

• Rank: 8

• 2025 Volume: 586 loans

• 2024 Volume: 487 loans

• Year-Over-Year Change: +20%

• 2025 Market Share: 2.8%

• 2024 Market Share: 2.5%

• Market Share Change: +13%

• Top State: California

Guild posted double-digit growth in both volume and market share, making it one of the few nationally scaled lenders showing meaningful expansion in 2025.

Leadership

Guild’s leadership team includes:

• Mary Ann McGarry, CEO

• Terry Schmidt, President

• Jeff May, Co-Founder of Cherry Creek Mortgage

• Bruce Barnes, Managing Director of Reverse Mortgages

The Cherry Creek leadership and operational team continue to play a key role in Guild’s reverse division.

Cherry Creek Integration and Reverse Mortgage Expansion

Cherry Creek Mortgage, founded in 1987 in Colorado, built a deep national presence with 68 branches across 45 states and a dedicated reverse division originally known as 1st Reverse Mortgage USA.

Before its acquisition, Cherry Creek frequently ranked among the top 20 reverse mortgage lenders and held the No. 10 national position by volume in 2022.

Cherry Creek’s strategy centered on training forward loan officers to understand and offer reverse mortgages. That model perfectly aligned with Guild’s “customer for life” philosophy, which emphasizes helping borrowers at every age and every stage of homeownership.

2023 Acquisition and Integration

Guild acquired Cherry Creek Mortgage in March 2023, adding Cherry Creek’s retail footprint and reverse mortgage expertise to Guild’s network of more than 300 branches and roughly 4,000 employees. The integration expanded Guild’s reach across retail, wholesale, and correspondent channels.

Guild’s reverse mortgage growth since the acquisition reflects Cherry Creek’s training-driven model combined with Guild’s national distribution scale.

2025 Ownership Update

In 2025, Guild was acquired in a $1.3 billion take-private transaction by a fund managed by Bayview Asset Management. The company continues to operate under the Guild brand, with the same leadership structure and nationwide origination platform.

Reverse Mortgage Products

Guild offers a full suite of reverse mortgage solutions, including:

• HECM (Home Equity Conversion Mortgage)

• HECM for Purchase

• Reverse mortgage refinance

• Proprietary/jumbo reverse mortgages for high-value homes

The company continues to leverage Cherry Creek’s specialized reverse personnel along with Guild’s large national retail network.

Market Position and Reputation

Guild has shown steady, measurable growth in reverse mortgage endorsements since the Cherry Creek acquisition. Its 2025 performance — 20% volume growth and 13% market-share expansion — positions the company among the most active nationwide HECM lenders.

Borrower reviews and third-party customer-service rankings consistently place Guild among the top-performing national mortgage companies. Guild was also recognized in J.D. Power’s 2025 U.S. Mortgage Servicer Satisfaction Study, reinforcing strength on the servicing side of both forward and reverse mortgages.

Strengths

• Licensed in 49 states + D.C.

• Large national retail, wholesale, and correspondent platforms

• Strong training culture from former Cherry Creek reverse leadership

• Full suite of HECM and jumbo programs

• High customer-service ratings and strong servicing reputation

Considerations

• Borrower experience may vary by branch and loan officer, given Guild’s size

• Jumbo/proprietary rates and terms vary across lenders, so comparison shopping is important

• As with any reverse mortgage, interest rates, fees, and long-term equity impact should be reviewed carefully

Summary

Guild Mortgage has become a meaningful force in the reverse mortgage industry through the acquisition and integration of Cherry Creek Mortgage. With strong leadership, expanding loan volume, and a wide national footprint, Guild remains one of the top 10 HECM lenders heading into 2025. The combination of Cherry Creek’s expertise and Guild’s national branch system positions the company as a solid choice for homeowners evaluating both HECM and proprietary reverse mortgage options.