Guidance Residential Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300RD5IG88VPO6P22
Tax ID: 52-2323186
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Mortgage Data
Review & Overview
Guidance Residential is a small mortgage company specializing in Home Purchase and Refi loans. Guidance Residential has a high proportion of conventional loans. Their top markets by origination volume include: New York, Washington, Seattle, Chicago, and Houston among others. We have data for 188 markets. (Some data included below & more in-depth data is available with an active subscription.)Guidance Residential has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guidance Residential is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.78% | 12/16/24 |
| 30 Year Conventional Refi | 6.57% | 12/16/24 |
| 30 Year Cash-out Refi | 6.81% | 12/16/24 |
| 15 Year Conventional Purchase | 6.14% | 12/16/24 |
| 15 Year Conventional Refi | 6.13% | 12/16/24 |
| 15 Year Cash-out Refi | 6.13% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Guidance Residential Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,579Origination Dollar Volume (All Markets)
$1,103,185,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 470 | $183,460,000 | $390,340 | $6,647 | 3.23% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 228 | $87,420,000 | $383,421 | $4,788 | 3.17% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 175 | $76,535,000 | $437,343 | $5,690 | 3.26% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 238 | $62,210,000 | $261,387 | $4,564 | 3.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 224 | $52,670,000 | $235,134 | $4,924 | 3.03% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 124 | $46,070,000 | $371,532 | $3,855 | 3.30% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 148 | $43,100,000 | $291,216 | $5,147 | 3.10% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 126 | $33,870,000 | $268,810 | $4,477 | 3.04% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 111 | $28,875,000 | $260,135 | $4,312 | 3.26% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 50 | $25,060,000 | $501,200 | $5,972 | 3.24% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 47 | $23,375,000 | $497,340 | $6,206 | 3.20% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 85 | $20,955,000 | $246,529 | $4,553 | 3.10% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 37 | $20,635,000 | $557,703 | $5,785 | 3.16% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 97 | $20,005,000 | $206,237 | $3,742 | 3.24% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 66 | $18,920,000 | $286,667 | $4,596 | 3.16% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 55 | $17,615,000 | $320,273 | $5,638 | 3.01% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 47 | $16,785,000 | $357,128 | $4,663 | 3.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 53 | $15,885,000 | $299,717 | $4,055 | 3.14% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 62 | $15,330,000 | $247,258 | $4,467 | 3.16% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 48 | $13,160,000 | $274,167 | $4,005 | 3.18% |
| COLUMBUS, OH (FHA|USDA|VA) | 54 | $12,110,000 | $224,259 | $4,031 | 3.26% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 35 | $11,385,000 | $325,286 | $5,772 | 3.23% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 46 | $11,350,000 | $246,739 | $4,099 | 3.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 41 | $11,295,000 | $275,488 | $5,234 | 3.12% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 30 | $10,310,000 | $343,667 | $3,811 | 3.09% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 42 | $10,120,000 | $240,952 | $4,044 | 3.14% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 42 | $10,060,000 | $239,524 | $4,327 | 3.07% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 43 | $9,415,000 | $218,953 | $4,412 | 3.32% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 25 | $8,285,000 | $331,400 | $4,426 | 3.30% |
| Outside of Metro Areas | 27 | $7,975,000 | $295,370 | $4,117 | 2.91% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 29 | $7,725,000 | $266,379 | $3,795 | 3.28% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $7,385,000 | $388,684 | $5,568 | 3.16% |
| STOCKTON, CA (FHA|USDA|VA) | 18 | $6,610,000 | $367,222 | $5,434 | 3.26% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $6,560,000 | $468,571 | $4,441 | 3.28% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 20 | $5,750,000 | $287,500 | $3,616 | 3.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $5,505,000 | $367,000 | $3,916 | 3.36% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 21 | $5,445,000 | $259,286 | $5,256 | 3.17% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 18 | $4,770,000 | $265,000 | $3,556 | 3.10% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 17 | $4,625,000 | $272,059 | $4,584 | 3.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 18 | $4,270,000 | $237,222 | $3,524 | 3.17% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 20 | $4,080,000 | $204,000 | $3,642 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 17 | $4,065,000 | $239,118 | $4,418 | 3.19% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 19 | $3,975,000 | $209,211 | $4,089 | 3.31% |
| PITTSBURGH, PA (FHA|USDA|VA) | 18 | $3,580,000 | $198,889 | $4,486 | 3.08% |
| LOUISVILLE, KY (FHA|USDA|VA) | 14 | $3,410,000 | $243,571 | $4,140 | 3.04% |
| RICHMOND, VA (FHA|USDA|VA) | 12 | $3,330,000 | $277,500 | $4,465 | 2.96% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 23 | $3,315,000 | $144,130 | $4,542 | 3.42% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $3,295,000 | $366,111 | $4,251 | 3.24% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $3,235,000 | $248,846 | $3,557 | 3.29% |
| ANN ARBOR, MI (FHA|USDA|VA) | 12 | $2,870,000 | $239,167 | $3,394 | 2.93% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 14 | $2,740,000 | $195,714 | $3,693 | 2.96% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $2,685,000 | $298,333 | $4,885 | 3.29% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,335,000 | $259,444 | $3,126 | 3.44% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 12 | $2,330,000 | $194,167 | $4,180 | 2.89% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $5,891 | 3.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $6,674 | 2.64% |
| ROCHESTER, MN (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $4,709 | 3.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 9 | $1,995,000 | $221,667 | $4,706 | 2.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $6,993 | 3.08% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $4,257 | 3.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $4,538 | 3.08% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $3,237 | 3.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $4,149 | 3.44% |
| PEORIA, IL (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $3,698 | 2.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $3,992 | 3.53% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $5,279 | 3.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $3,365 | 3.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $4,835 | 2.69% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $6,857 | 3.15% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $3,713 | 3.63% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $4,116 | 3.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $4,214 | 3.27% |
| ST. CLOUD, MN (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $4,695 | 3.40% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $3,933 | 3.53% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $4,256 | 3.15% |
| FLINT, MI (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $3,610 | 2.90% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $3,581 | 2.83% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $3,127 | 2.68% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $4,189 | 2.94% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,924 | 3.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,717 | 2.92% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,622 | 3.13% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,688 | 3.22% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $3,483 | 3.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $7,245 | 3.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,327 | 3.22% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,748 | 2.71% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,548 | 2.96% |
| DOVER, DE (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,029 | 3.08% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,269 | 3.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $3,990 | 3.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,292 | 3.22% |
| Key West, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,276 | 3.00% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,276 | 3.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,812 | 2.92% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,570 | 3.21% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $1,078 | 2.63% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,850 | 3.09% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,533 | 3.06% |
| ERIE, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,752 | 2.69% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,943 | 3.54% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,015 | 3.38% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,137 | 3.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $252 | 2.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,586 | 3.38% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,761 | 3.06% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,052 | 2.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,971 | 3.19% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,794 | 3.31% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,320 | 2.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,070 | 3.19% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,390 | 2.81% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,166 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,015 | 3.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,126 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,100 | 3.50% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,453 | 2.56% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,946 | 4.08% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,820 | 2.69% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,824 | 2.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,069 | 3.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,543 | 3.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,316 | 2.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,371 | 4.69% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,152 | 3.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,266 | 3.00% |
| RACINE, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,881 | 3.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,923 | 2.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,079 | 3.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,635 | 3.25% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,052 | 2.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,269 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,320 | 3.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,754 | 2.75% |
| READING, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,093 | 4.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,333 | 3.50% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,345 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,730 | 2.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,544 | 2.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,710 | 3.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,844 | 4.88% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,119 | 3.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,866 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,564 | 2.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,097 | 2.88% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,477 | 3.13% |
| Wooster, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,320 | 2.88% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,436 | 2.88% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,086 | 4.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,999 | 2.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,921 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,103 | 4.00% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,092 | 2.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,984 | 2.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,773 | 2.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,130 | 3.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,391 | 3.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,513 | 4.00% |
| LIMA, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,984 | 4.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,008 | 2.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,599 | 4.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,580 | 3.00% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,455 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,259 | 3.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,773 | 3.38% |
| Willmar, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,764 | 3.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,252 | 3.38% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,931 | 3.88% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,142 | 2.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,258 | 4.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,351 | 4.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,371 | 3.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,978 | 2.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,839 | 3.00% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,378 | 3.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,853 | 2.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,991 | 3.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,799 | 3.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,780 | 2.50% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,103 | 3.00% |
| Russellville, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,128 | 3.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,494 | 3.38% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,781 | 2.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,502 | 2.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,719 | 2.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,875 | 3.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,205 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,838 | 3.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against GUIDANCE RESIDENTIAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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GREATER SPRINGFIELD CREDIT UNION
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,579 | $1,103,185,000 | $308,238 | $4,863 | 3.17% |
For 2020, Guidance Residential's most frequently originated type of loan was Conventional, with 3,579 originations.
Loan Reason
For 2020, Guidance Residential's most frequently cited loan purpose was Home Purchase, with 1,734 originations. The 2nd most popular reason was Refi, with 1,671 originations.
Loan Duration/Length
For 2020, Guidance Residential's most frequently cited loan duration was 30 Year, with 2,124 originations. The 2nd most popular length was 15 Year, with 1,238 originations.
Origination Fees/Closing Costs
Guidance Residential's average total fees were $5,229, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,399 originations.
Interest Rates
During 2020, Guidance Residential's average interest rate for loans was 3.36%, while their most frequently originated rate bucket for loans was 3-4%, with 1,573 originations.
Loan Sizing
2020 saw Guidance Residential place emphasis on $200k-400k loans with 1,879 originations, totaling $544,975,000 in origination value.
Applicant Income
Guidance Residential lent most frequently to those with incomes in the $100k-150k range, with 1,116 originations. The second most popular income band? $150k-250k, with 667 originations.
Applicant Debt to Income Ratio
Guidance Residential lent most frequently to those with DTI ratios of 20-30%, with 943 originations. The next most common DTI ratio? 30-36%, with 704 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.36%
Guidance Residential has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination67.62%
Guidance Residential has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,579 | $1,103,185,000 | $308,238 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 3,579 | $1,103,185,000 | $308,238 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GUIDANCE RESIDENTIAL, LLC | Conventional home mortgage | Trouble during payment process | 2 | 100.0% |