The Ryan Smith Team at Guild Mortgage in Madison

We believe creating a well-defined plan for our clients is critical to their success. Having worked in the residential mortgage industry for nearly two decades, Ryan uses his experience to help clients create a mortgage plan that meets their financial needs and goals. Communication is very important, therefore regular updates are provided to clients before, during, and after their loans are completed. We do everything we can to ensure they are in the best possible situation to succeed as homeowners.

  • Guild Mortgage has made it easier than ever to apply for a mortgage online!

    Click “Apply Now” to fill out our online application and start your mortgage process online today.

  • Which loan product is right for you?

    Click “Find out by visiting our loan product comparison page and contacting a Guild Mortgage loan professional for a free consultation.

  • Ready to achieve your homeownership dreams?

    We’re here to help with 4 ways to start your mortgage loan. We’ll walk you through every step of the way!

4 Ways to
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“Ryan is amazing in the with mortgages, an area so over-the-top complex to me. Our situation was likewise complex and he stuck with it like white on rice until it closed. Highly recommended!”

Brendan ConnellyVice President, Wealth Review

“I have referred several clients to Ryan whom were very pleased with the service and follow up they received from him. Ryan has spent nearly the last 10 years in his industry and has gone through all the changes taking place in that industry. The sheer fact that not only has Ryan stayed in the industry but excelled speaks volumes about Ryan and his business.”

Jessica SchockWealth Management Advisor, Northwestern MutualLinked-In Review

“Ryan and his team were excellent to work with. Super willing to help and quick to respond. Would suggest them to a friend!”

Rick WalshGoogle+ Review

“Ryan and his Entire team were nothing short of amazing. They helped us through the process of purchasing our new home and everything went perfect. They were always there to answer are questions, and made sure everything was ready to go come closing. I would recommend them to anybody.”

Zach HarrisonGoogle+ Review

“Very Client oriented. We were difficult customers and Ryan stepped up and did a great job for us.”

Eric TripkeSergeant Of Police at City of MadisonLinked-In Review

“I recently referred one of my best clients to Ryan for his help on her Mortgage. Ryan not only exceeded my clients expectations but provided a real education into the mortgage loan process. Ryan also provides a valuable insight to his thinking & methodology by blogging about current market conditions relating to mortgage interest rates and market news. I find Ryan to be friendly, articulate and a great person to work with & would recommend him to anyone looking for financing on a new purchace or refinancing an existing loan.”

Kristian FinfrockRadio Show Host at Madison Money GuyLinked-In Review

“Ryan Smith and Rebecca Heller were beyond awesome and went above and beyond for my wife and I in our first home purchase. They both helped with our stress and took a lot of the work out of our home buying experience. Highly recommend.”

Robbie RoweGoogle + Review

“Could not be happier with Waterstone. Throughout the process, their team always stayed a step ahead and made meeting our deadlines easy and trouble free. Not only were they professional, the staff was friendly and accommodating. I will recommend Waterstone to all my friends and family.”

Reed CoxGoogle+ Review

Ryan did an outstanding job in helping us obtain financing for our home. We closed on time. The wire (money) was at the title company before we even began signing our paperwork. I would recommend Ryan to anyone that is in need of a loan for a home or if they need to refinance. Great job Ryan and thank you!”

Zillow User - Conservatory, Aurora, COClosed purchase loan. Review

I have worked with many lenders over my 10 year career and find Ryan Smith to be my obvious choice to refer my clients. He knows the business better than anyone I’ve found and explains options to his clients in a way they understand. Between Ryan and his top notch staff they coordinate the process to insure all deadlines are met and the process goes smooth from start to finish. A++++ rating from me.”

Trent Estabrook - Maple-Prairie, Fitchburg, WICo-Owner at Pinnacle Real Estate Group, Review

“Ryan handles his business with a high degree of integrity. He works hard for his clients and gives them top quality service. Ryan is a true professional in his field.”

Mark BrandenburgBusiness Development Executive at Bartlett Consulting, Inc.Linked-In Review

“Ryan is a true professional in the area of Mortgage Lending. Very knowledgeable regarding all aspects of the industry and is someone that always has his customers best interests in mind.”

Cory PooleMortgage Loan Officer at UW Credit UnionLinked-In Profile


Ryan Smith Mortgage Advisor in Madison, WI


NMLS #287314



NMLS #1370841




NMLS #392041


CAROL BARON - Loan Processor


NMLS #1604068