Fiscal year 2024 executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.
This is the complete answer, not a partial one — the list is never padded.
| Named executive officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension / NQDC | All other | Total |
|---|---|---|---|---|---|---|---|---|
| Terry Schmidt | $700,000 | $0 | $1,500,002 | $0 | $1,673,913 | — | $181,827 | $4,055,742 |
| Chief Executive Officer and Director | ||||||||
| David Neylan | 600,000 | 0 | 830,004 | 0 | 956,522 | — | 113,843 | 2,500,369 |
| President and Chief Operating Officer | ||||||||
| Desiree Kramer | 460,000 | 0 | 400,008 | 0 | 476,667 | — | 64,319 | 1,400,994 |
| Senior Vice President, Chief Financial Officer | ||||||||
A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.
| Named executive officer | FY2024 total | FY2023 total | FY2022 total | Δ FY2023→2024 |
|---|---|---|---|---|
| Terry Schmidt | $4,055,742 | — | — | — |
| David Neylan | 2,500,369 | — | — | — |
| Desiree Kramer | 1,400,994 | — | — | — |
Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.
No insider equity transactions reported since the proxy statement.
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| David Neylan | RSU | 39,537 | — | $557,867 |
| Desiree Kramer | RSU | 29,652 | — | 418,390 |
| Desiree Kramer | RSU | 29,472 | — | 415,850 |
| Terry Schmidt | RSU | 29,028 | — | 409,585 |
| Desiree Kramer | RSU | 13,546 | — | 191,134 |
| David Neylan | RSU | 19,352 | — | 273,057 |
| Terry Schmidt | RSU | 31,613 | — | 446,059 |
| Terry Schmidt | RSU | 65,894 | — | 929,764 |
| Terry Schmidt | RSU | 110,513 | — | 1,559,338 |
| David Neylan | RSU | 61,152 | — | 862,855 |
| David Neylan | RSU | 9,485 | — | 133,833 |
Our current executive compensation program is intended to align executive compensation with our business objectives and to enable us to attract, retain and reward executive officers who contribute to our long-term success.
| CEO STI target (% of salary) | 150% |
|---|---|
| CEO LTI target (% of salary) | — |
| Independent consultant | Meridian Compensation Partners |
| Clawback policy | true |
| Anti-hedging | true |
| Anti-pledging | True |
| Meeting year | Meeting date | For | Against | Abstain | Support | Outcome |
|---|---|---|---|---|---|---|
| 2024 | 2024-05-08 | 416,030,684 | 322,482 | 2,346 | 99.92% | Passed |
| 2023 | 2023-05-03 | 409,775,274 | 6,164 | 72 | 100% | Passed |
Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.
| Meeting year | Meeting date | Approval — company's computation |
|---|---|---|
| 2024 | 2024-05-08 | 99.92%a |
| 2023 | 2023-05-03 | 100%b |
a. Approved under the standard stated in the filing — “4 Abstentions will have the same effect as an "Against" vote for Proposal 2.”.
b. Approved under the standard stated in the filing — “Abstentions will have the same effect as an "Against" vote for Proposal 2.”.
Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.
| Annual cash retainer | $25,000 |
|---|---|
| Annual equity retainer | $110,002 |
| Per board meeting fee | — |
| Committee chair fees (audit / comp / nom-gov) | 10,000 |
| Stock ownership guideline | — |
The compensation peer group as the company disclosed it in its own proxy — the reference set behind the percentile above.
Of the companies Guild Holdings names as compensation peers, which name it back in their own disclosed peer groups. A peer set the market reciprocates reads differently from one selected in a single direction.
Reciprocity shown where the peer's own current proxy has been read — each mark is cited in the register to that peer's filing. A dash means the peer's current proxy was read and names no reciprocal group including Guild Holdings.
Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.
| Rank | Company | FY | Chief executive | Salary | Stock awards | Option awards | Non-equity incentive | Total |
|---|---|---|---|---|---|---|---|---|
| 1 | Walker & Dunlop, Inc. | 2025 | William Walker | $1,000,000 | $13,170,931 | $0 | $1,324,821 | $15,500,252 |
| 2 | Mr. Cooper Group Inc. | 2024 | Jay Bray | 1,000,000 | 7,977,273 | 0 | 4,625,000 | 13,618,538 |
| 3 | PennyMac Financial Services, Inc. | 2025 | David Spector | 1,483,333 | 5,437,444 | 2,025,687 | 3,608,250 | 12,660,536 |
| 4 | Radian Group Inc. | 2025 | Richard Thornberry | 1,000,000 | 7,085,347 | — | 3,120,000 | 11,318,967 |
| 5 | NMI Holdings, Inc. | 2025 | Adam Pollitzer | 975,000 | 6,337,450 | 0 | 2,839,200 | 10,209,615 |
| 6 | Enact Holdings, Inc. | 2025 | Rohit Gupta | 1,000,000 | 5,869,867 | 0 | 2,610,000 | 9,874,055 |
| 7 | MGIC Investment Corporation | 2025 | Timothy Mattke | 1,050,000 | 4,881,783 | 0 | 2,236,238 | 8,369,392 |
| 8 | South State Corporation | 2025 | John Corbett | 1,128,275 | 3,051,216 | 0 | 3,384,825 | 7,628,421 |
| 9 | United Bankshares, Inc. | 2025 | Richard Adams, Jr. | 1,131,731 | 2,643,865 | 0 | 2,199,120 | 6,140,650 |
| 10 | WSFS Financial Corporation | 2025 | Rodger Levenson | 1,004,500 | 2,562,293 | 0 | 1,550,312 | 5,173,260 |
| 11 | Pathward Financial, Inc. | 2025 | Brett Pharr | 755,077 | 2,772,857 | 0 | 948,334 | 4,638,813 |
| 12 | First Interstate BancSystem, Inc. | 2025 | James Reuter | 1,000,000 | 2,534,832 | 0 | 1,044,000 | 4,615,009 |
| 13 | Guild Holdings | 2024 | Terry Schmidt | 700,000 | 1,500,002 | 0 | 1,673,913 | 4,055,742 |
| 14 | Trustmark Corporation | 2025 | Duane Dewey | 896,000 | 991,904 | 0 | 1,507,473 | 3,635,690 |
| 15 | Hilltop Holdings Inc. | 2025 | Jeremy Ford | 800,000 | 2,610,436 | 0 | 0 | 3,527,281 |
| 16 | Northwest Bancshares, Inc. | 2025 | Louis Torchio | 904,034 | 999,992 | 0 | 1,369,100 | 3,396,755 |
| 17 | loanDepot, Inc. | 2025 | Frank Martell | 363,077 | 75,000 | 0 | 0 | 2,518,273 |
| 18 | Nelnet, Inc. | 2025 | Jeffrey Noordhoek | 906,921 | 275,114 | 0 | 0 | 2,243,420 |
Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.
| Company | Annual incentive payout | Long-term vehicle mix | PSU measures include TSR | Compensation consultant |
|---|---|---|---|---|
| Guild Holdings | not disclosed | RSU 100 | not disclosed | Meridian Compensation Partners |
| Enact Holdings, Inc. | 149% | PSU 70 · RSU 30 | No | FW Cook |
| First Interstate BancSystem, Inc. | 87% | PSU 60 · RSU 40 | No | Pearl Meyer & Partners |
| Hilltop Holdings Inc. | not disclosed | PSU 50 · RSU 50 | No | Meridian |
| loanDepot, Inc. | 60% | RSU 50 · PSU 50 | No | not disclosed |
| MGIC Investment Corporation | not disclosed | PSU 60 · RSU 40 | No | Not named — referred to only as 'the Compensation Consultant' throughout the CD&A |
| Mr. Cooper Group Inc. | 185% | PSU 50 · RSU 50 | Yes — Relative TSR | Korn Ferry |
| Nelnet, Inc. | 110% | RSU 100 | not disclosed | Towers Watson |
| NMI Holdings, Inc. | 166.4% | PSU 60 · RSU 40 | No | Semler Brossy |
| Northwest Bancshares, Inc. | 190% | PSU 50 · RSU 50 | Yes — Relative Total Shareholder Return (TSR) | Pearl Meyer |
| Pathward Financial, Inc. | 125% | PSU 50 · RSU 50 | Yes — Relative TSR vs. SPDR S&P Regional Banking ETF | Pay Governance LLC |
| PennyMac Financial Services, Inc. | 84.9% | PSU 50 · RSU 25 · Options 25 | No | Pearl Meyer |
| Radian Group Inc. | not disclosed | PSU 60 · RSU 40 | not disclosed | Willis Towers Watson |
| South State Corporation | 200% | PSU 60 · RSU 40 | No | FW Cook |
| Trustmark Corporation | 181% | PSU 50 · RSU 50 | Yes — Total Shareholder Return (TSR) relative to peer group | Pearl Meyer |
| United Bankshares, Inc. | 152% | PSU 60 · RSU 40 | No | Aon's Human Capital Solutions Practice |
| Walker & Dunlop, Inc. | 132% | not disclosed | No | Pay Governance |
| WSFS Financial Corporation | 154% | PSU 60 · RSU 40 | No | Frederic W. Cook & Co., Inc. |
Read from each company's Compensation Discussion and Analysis: annual incentive payout as a percentage of target, the disclosed long-term vehicle mix, whether performance-share measures include a total shareholder return component, and the retained compensation consultant. “Not disclosed” appears only where the company's filing does not state the item.
Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.
| # | Supports | Document | Filed | Accession | Location in document |
|---|---|---|---|---|---|
| 1 | Section 01, Terry Schmidt | DEF 14A | 2025-04-14 | 0001821160-25-000020 | Section “2024 Summary compensation table” · page 31. As printed: 4,055,742. Filing ↗machine: r2 · c33 · span 396782–396792 |
| 2 | Section 01, David Neylan | DEF 14A | 2025-04-14 | 0001821160-25-000020 | Section “2024 Summary compensation table” · page 31. As printed: 2,500,369. Filing ↗machine: r4 · c33 · span 401881–401891 |
| 3 | Section 01, Desiree Kramer | DEF 14A | 2025-04-14 | 0001821160-25-000020 | Section “2024 Summary compensation table” · page 31. As printed: 1,400,994. Filing ↗machine: r6 · c33 · span 406996–407006 |
| 4 | Section 06, 2024 vote | Form 8-K | 2024-05-10 | 0001821160-24-000033 | Item 5.07 · say-on-pay result. As reported: 99.92% (votes for as printed: 416,030,684). Filing ↗ |
| 5 | Section 06, 2023 vote | Form 8-K | 2023-05-08 | 0001821160-23-000041 | Item 5.07 · say-on-pay result. As reported: 100% (votes for as printed: 409,775,274). Filing ↗ |
| 6 | Walker & Dunlop, Inc., Section 10b CEO total | DEF 14A | 2026-04-01 | 0001104659-26-038515 | CEO total compensation as printed in Walker & Dunlop, Inc.'s own proxy. As printed: 15,500,252. Filing ↗machine: t197 · r6 · c14 · span 849398–849408 |
| 7 | Mr. Cooper Group Inc., Section 10b CEO total | DEF 14A | 2025-04-10 | 0001193125-25-077327 | CEO total compensation as printed in Mr. Cooper Group Inc.'s own proxy. As printed: 13,618,538. Filing ↗machine: r3 · c14 · span 831428–831438 |
| 8 | PennyMac Financial Services, Inc., Section 10b CEO total | DEF 14A | 2026-04-20 | 0001193125-26-164086 | CEO total compensation as printed in PennyMac Financial Services, Inc.'s own proxy. As printed: 12,660,536. Filing ↗machine: r3 · c26 · span 1032650–1032660 |
| 9 | Radian Group Inc., Section 10b CEO total | DEF 14A | 2026-04-02 | 0001193125-26-140155 | CEO total compensation as printed in Radian Group Inc.'s own proxy. As printed: 11,318,967. Filing ↗ |
| 10 | NMI Holdings, Inc., Section 10b CEO total | DEF 14A | 2026-03-26 | 0001547903-26-000019 | CEO total compensation as printed in NMI Holdings, Inc.'s own proxy. As printed: 10,209,615. Filing ↗machine: t110 · r3 · c7 · span 892462–892472 |
| 11 | Enact Holdings, Inc., Section 10b CEO total | DEF 14A | 2026-03-25 | 0001823529-26-000098 | CEO total compensation as printed in Enact Holdings, Inc.'s own proxy. As printed: 9,874,055. Filing ↗machine: r2 · c24 · span 794504–794513 |
| 12 | MGIC Investment Corporation, Section 10b CEO total | DEF 14A | 2026-03-20 | 0000876437-26-000013 | CEO total compensation as printed in MGIC Investment Corporation's own proxy. As printed: 8,369,392. Filing ↗machine: r2 · c24 · span 727151–727160 |
| 13 | South State Corporation, Section 10b CEO total | DEF 14A | 2026-03-03 | 0001104659-26-022580 | CEO total compensation as printed in South State Corporation's own proxy. As printed: 7,628,421. Filing ↗machine: r1 · c6 · span 1308342–1308351 |
| 14 | United Bankshares, Inc., Section 10b CEO total | DEF 14A | 2026-04-01 | 0001193125-26-135771 | CEO total compensation as printed in United Bankshares, Inc.'s own proxy. As printed: 6,140,650. Filing ↗machine: t103 · r4 · c39 · span 794259–794268 |
| 15 | WSFS Financial Corporation, Section 10b CEO total | DEF 14A | 2026-04-02 | 0000828944-26-000009 | CEO total compensation as printed in WSFS Financial Corporation's own proxy. As printed: 5,173,260. Filing ↗machine: r2 · c7 · span 2047944–2047953 |
| 16 | Pathward Financial, Inc., Section 10b CEO total | DEF 14A | 2026-01-14 | 0000907471-26-000004 | CEO total compensation as printed in Pathward Financial, Inc.'s own proxy. As printed: 4,638,813. Filing ↗machine: r2 · c21 · span 1514180–1514189 |
| 17 | First Interstate BancSystem, Inc., Section 10b CEO total | DEF 14A | 2026-04-16 | 0000860413-26-000025 | CEO total compensation as printed in First Interstate BancSystem, Inc.'s own proxy. As printed: 4,615,009. Filing ↗machine: r2 · c8 · span 1699688–1699697 |
| 18 | Guild Holdings (subject), Section 10b CEO total | DEF 14A | 2025-04-14 | 0001821160-25-000020 | CEO total compensation as printed in Guild Holdings's own proxy. As printed: 4,055,742. Filing ↗machine: r2 · c33 · span 396782–396792 |
| 19 | Trustmark Corporation, Section 10b CEO total | DEF 14A | 2026-03-16 | 0001193125-26-107265 | CEO total compensation as printed in Trustmark Corporation's own proxy. As printed: 3,635,690. Filing ↗machine: span 654014–654023 |
| 20 | Hilltop Holdings Inc., Section 10b CEO total | DEF 14A | 2026-04-30 | 0001104659-26-053118 | CEO total compensation as printed in Hilltop Holdings Inc.'s own proxy. As printed: 3,527,281. Filing ↗machine: t246 · r8 · c18 · span 1479378–1479387 |
| 21 | Northwest Bancshares, Inc., Section 10b CEO total | DEF 14A | 2026-04-09 | 0001193125-26-148973 | CEO total compensation as printed in Northwest Bancshares, Inc.'s own proxy. As printed: 3,396,755. Filing ↗machine: t125 · r3 · c35 · span 546597–546606 |
| 22 | loanDepot, Inc., Section 10b CEO total | DEF 14A | 2026-04-23 | 0001831631-26-000048 | CEO total compensation as printed in loanDepot, Inc.'s own proxy. As printed: 2,518,273. Filing ↗machine: t73 · r6 · c17 · span 320539–320548 |
| 23 | Nelnet, Inc., Section 10b CEO total | DEF 14A | 2026-04-02 | 0001258602-26-000024 | CEO total compensation as printed in Nelnet, Inc.'s own proxy. As printed: 2,243,420. Filing ↗machine: r3 · c36 · span 363075–363084 |
| 24 | Section 10a, Trustmark Corporation reciprocity | DEF 14A | — | 0001193125-26-107265 | Trustmark Corporation's most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 25 | Section 10a, Enact Holdings, Inc. reciprocity | DEF 14A | — | 0001823529-26-000098 | Enact Holdings, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 26 | Section 10a, Pathward Financial, Inc. reciprocity | DEF 14A | — | 0000907471-26-000004 | Pathward Financial, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 27 | Section 10a, First Interstate BancSystem, Inc. reciprocity | DEF 14A | — | 0000860413-26-000025 | First Interstate BancSystem, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 28 | Section 10a, Hilltop Holdings Inc. reciprocity | DEF 14A | — | 0001104659-26-053118 | Hilltop Holdings Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 29 | Section 10a, Radian Group Inc. reciprocity | DEF 14A | — | 0001193125-26-140155 | Radian Group Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 30 | Section 10a, South State Corporation reciprocity | DEF 14A | — | 0001104659-26-022580 | South State Corporation's most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 31 | Section 10a, MGIC Investment Corporation reciprocity | DEF 14A | — | 0000876437-26-000013 | MGIC Investment Corporation's most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 32 | Section 10a, Mr. Cooper Group Inc. reciprocity | DEF 14A | — | 0001193125-25-077327 | Mr. Cooper Group Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 33 | Section 10a, United Bankshares, Inc. reciprocity | DEF 14A | — | 0001193125-26-135771 | United Bankshares, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 34 | Section 10a, Walker & Dunlop, Inc. reciprocity | DEF 14A | — | 0001104659-26-038515 | Walker & Dunlop, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 35 | Section 10a, NMI Holdings, Inc. reciprocity | DEF 14A | — | 0001547903-26-000019 | NMI Holdings, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 36 | Section 10a, WSFS Financial Corporation reciprocity | DEF 14A | — | 0000828944-26-000009 | WSFS Financial Corporation's most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |
| 37 | Section 10a, Northwest Bancshares, Inc. reciprocity | DEF 14A | — | 0001193125-26-148973 | Northwest Bancshares, Inc.'s most recent proxy was read; its disclosed peer group does not include Guild Holdings. Filing ↗ |