Guild Holdings Co-A 2024年度报告

☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember 31, 2024OR ☐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:001-39645GUILD HOLDINGS COMPANY(Exact Name of Registrant as Specified in its Charter)_______________ Registrant’s telephone number, including area code: (858)560-6330_______________ Securities registered pursuant to Section12(b) of the Act: Securities registered pursuant to Section 12(g) of the Act:None. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d)ofthe Act. Yes☐No☒ Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or15(d)of the Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that theregistrant was required to file such reports), and (2)has been subject to such filing requirements for the past90days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File requiredto be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months(or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-acceleratedfiler, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,”“accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extendedtransition period for complying with any new or revised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’sassessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financialstatements of the registrant included in the filing reflect the correction of an error to previously issued financialstatements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recoveryanalysis of incentive-based compensation received by any of the registrant's executive officers during the relevantrecovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the ExchangeAct).Yes☐No☒ The aggregate market value of the voting and non-voting stock held by non-affiliates of the registrant as ofJune30, 2024, the last business day of the registrant's most recently completed second fiscal quarter, was $198.9million based upon the closing price reported for such date on the New York Stock Exchange. As of February28, 2025, the registrant had21,570,827shares of Class A common stock outstanding and40,333,019shares of Class B common stock outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of our definitive proxy statement for the 2025 Annual Meeting of Stockholders, to be filed within 120days of the end of the fiscal year covered by this report, are incorporated herein by reference in responses to Items10, 11, 12, 13 and 14 of Part III of this Annual Report on Form 10-K. GUILD HOLDINGS COMPANYAnnual Report on Form 10-K for the Year Ended December31, 2024Table of ContentsPageCAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS3SUMMARY OF RISK FACTORS3PART IITEM 1.BUSINESS5ITEM 1A.RISK FACTORS12ITEM 1B.UNRESOLVED STAFF COMMENTS27ITEM 1C. CYBERSECURITY27ITEM 2.PROPERTIES29ITEM 3.LEGAL PROCEEDINGS29ITEM 4.MINE SAFETY DISCLOSURES29PART IIITEM 5.MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERSAND ISSUER PURCHASES OF EQUITY SECURITIES29ITEM 6.[RESERVED]30ITEM 7.MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION ANDRESULTS OF OPERATIONS31ITEM 7A.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK52ITEM 8.FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA53ITEM 9.CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING ANDFINANCIAL DISCLOSURE93ITEM 9A.CONTROLS AND PROCEDURES93ITEM 9B.OTHER INFORMATION93ITEM 9C. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS94PART IIIITEM 10.DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE95ITEM 11.EXECUTIVE COMPENSATION95ITEM 12.SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MA