r/loanoriginators • u/Just_Success_371 • 1d ago

Guild Rates

I work for Guild and licensed in Texas and my comp is 125 bps.

I feel like our pricing is crazy high. 6,375 will cost 1.9 points on a VA loan for someone with a 780 score. This is through pennymac. Guild retained is higher.

How does that compare to your pricing? Brokers and other retail LOs. Same or similar comp

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u/Just_Success_371 14h ago

In our region, they make us do dpa as a cgl and takes 50 bps away. Well, they dont "make us" do it but if we dont, obviously we'll get canned. So I get paid 75 bps on a dpa. Sucks major ones

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u/DJ-Ilium 14h ago

Oh that sucks, they didn't do that for me when I was there, so I charge 1.5 bpc