Guild Holdings Company (NYSE:GHLD) Q2 2023 Earnings Conference Call August 3, 2023 5:00 PM ET Company Participants Terry Schmidt - Chief Executive Officer David Neylan - President & Chief Operating Officer Amber Kramer - Chief Financial Officer Conference Call Participants Derek Sommers - Jefferies Melissa Wedel - JPMorgan Giuliano Bologna - Compass Point Brian Violino - Wedbush Securities Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Second Quarter 2023 Earnings C ...

| --- | --- | --- | --- | |------------------------------------------|----------------|----------------------------------------|----------| | ($ in Millions) | March 31, 2023 | Three Months Ended \nDecember 31, 2022 | Seq %∆ | | | | | | | Origination | | | | | Total in-house originations 1 | | $2,701.4 $2,975.9 (9%) | | | In-house originations # (000's) | 9 | 9 | —% | | Net revenue | | $93.6 $101.5 (8%) | | | Total expenses | | $126.3 $128.0 (1%) | | | Net loss allocated to origination | | ($32.8) ($26.6) 2 ...

Guild Holdings Company (NYSE:GHLD) Q1 2023 Earnings Conference Call May 8, 2023 5:00 PM ET Company Participants Nikki Sacks - Investor Relations Mary Ann McGarry - Chief Executive Officer Terry Schmidt - President Amber Kramer - Chief Financial Officer Conference Call Participants Don Fandetti - Wells Fargo Kyle Joseph - Jefferies Giuliano Bologna - Compass Point Brian Violino - Wedbush Securities Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company First Quarter 2023 Ear ...

Table of Contents1 GUILD HOLDINGS COMPANY (Exact Name of Registrant as Specified in its Charter) _______________ Delaware 85-2453154 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____________ to _____________ Commission Fi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____________ to _____________ Commission File Number: 001-39645 GUILD HOLDINGS COMPANY (Exact Name of Registrant as Specified in its Charter) _______________ ...

Guild Holdings Company (NYSE:GHLD) Q4 2022 Earnings Conference Call March 9, 2023 5:00 PM ET Company Participants Nikki Sacks - Investor Relations Mary Ann McGarry - Chief Executive Officer Terry Schmidt - President Amber Kramer - Chief Financial Officer David Neylan - Chief Operating Officer Conference Call Participants Don Fandetti - Wells Fargo Rick Shane - JPMorgan Kyle Joseph - Jefferies Operator Good day and welcome to the Guild Holdings Company Fourth Quarter 2022 Earnings Conference Call. [Operator ...

Financial Data and Key Metrics Changes - The company reported a GAAP net income growth of 33% sequentially, with earnings per share also increasing by 33% [7][14] - Adjusted net income and adjusted earnings per share for Q3 were $24 million and $0.40 per share, respectively, both 74% higher compared to Q2 [8][14] - The effective tax rate decreased to 6.8% from 25.3% in the prior quarter, primarily due to permanent tax benefits from a previous acquisition [15] Business Line Data and Key Metrics Changes - Total in-house loan originations for Q3 were $4.4 billion, a 24% sequential decline from $5.7 billion in Q2, but better than the industry average decline of 29% [13] - The gain on sale margin for the origination segment was 354 basis points, down from 363 basis points in Q2 [18] - The servicing segment generated $97 million in net income, up from $64 million in the prior quarter, driven by favorable MSR valuation adjustments and lower operating expenses [19] Market Data and Key Metrics Changes - 91% of originated loans in Q3 were purchased mortgages, up from 84% in the prior quarter, significantly above the industry average of 81% [10] - The unpaid principal balance of the servicing portfolio increased by 2.5% quarter-over-quarter to $77.7 billion [20] Company Strategy and Development Direction - The company aims to capitalize on market dislocation and is focused on serving first-time homebuyers and underserved markets [10][12] - The company maintains a strong balance sheet with healthy leverage ratios and ample liquidity for growth and potential acquisitions [11][24] - The company is focused on returning excess capital to shareholders through ongoing share repurchases [11][26] Management's Comments on Operating Environment and Future Outlook - The management noted ongoing macro headwinds and competitive pressures affecting profitability trends across the industry [6] - The company is optimistic about growth opportunities as the market stabilizes, with expectations for improved conditions in the second half of the next year [30] - Management expressed confidence in their ability to manage through market shifts and maintain profitability [8][12] Other Important Information - The company has realized approximately $75 million in annualized expense savings through staff reductions and related compensation adjustments [22] - The company repurchased approximately 139,000 shares at an average price of $11.13 per share during Q3 [26] Q&A Session Summary Question: Thoughts on the timing of acquisitions and gain on sale margins - Management sees acquisition opportunities strengthening in Q1 2023 and acknowledges ongoing volatility affecting gain on sale margins [30][32] Question: Stability of purchase gain on sale due to relationship-driven nature - Management indicated that historically, purchase gain on sale has been more stable due to customer relationships, but competition still exerts pressure [34][36] Question: Opportunities for market share as capacity is removed - Management noted that they have been able to take market share, with a focus on first-time homebuyers, and will prioritize long-term growth over short-term gains [42][44] Question: Outlook on foreclosures and servicing portfolio health - Management expressed confidence in the health of the servicing portfolio, noting fewer expected foreclosures and improved loss mitigation efforts [45][48]

Guild Holdings Company (NYSE:GHLD) Q2 2022 Earnings Conference Call August 4, 2022 6:00 PM ET Company Participants Michael Kim - Investor Relations Mary Ann McGarry - Chief Executive Officer Terry Schmidt - President Amber Kramer - Chief Financial Officer Conference Call Participants Don Fandetti - Wells Fargo Rick Shane - JPMorgan Trevor Cranston - JMP Securities Operator Good afternoon, ladies and gentlemen, and welcome to the Guild Holdings Company Second Quarter 2022 Earnings Conference Call. At this ti ...

Guild Holdings Company (NYSE:GHLD) Q1 2022 Earnings Conference Call May 6, 2022 8:30 AM ET Company Participants Michael Kim - IR Mary Ann McGarry - CEO Terry Schmidt - President Amber Kramer - CFO Conference Call Participants Rick Shane - JP Morgan Paul Fandetti - Wells Fargo Securities Trevor Cranston - JMP Securities Operator Good morning, ladies and gentlemen, and welcome to the Guild Holdings Company First Quarter 2022 Earnings Conference Call. [Operator Instructions] As a reminder, this call will be re ...

Guild mortgage Fourth Quarter and Full Year2021 Investor Presentation MARCH 2022 Disclaimer 2 Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may," "should," "could," "predict," "potential," "believe," "will likely result," "expect," "continue ...