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, Chicago, Seattle, 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% | 4/28/24 |
| 30 Year Conventional Refi | 6.57% | 4/28/24 |
| 30 Year Cash-out Refi | 6.81% | 4/28/24 |
| 15 Year Conventional Purchase | 6.14% | 4/28/24 |
| 15 Year Conventional Refi | 6.13% | 4/28/24 |
| 15 Year Cash-out Refi | 6.13% | 4/28/24 |
| 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
4,241Origination Dollar Volume (All Markets)
$1,333,445,000Awards
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GUIDANCE RESIDENTIAL - 2021
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For 2021, less than of lenders were eligible for this award.
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Top 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) | 547 | $229,545,000 | $419,644 | $6,974 | 3.08% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 265 | $96,845,000 | $365,453 | $4,665 | 3.01% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 334 | $89,500,000 | $267,964 | $4,480 | 2.96% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 160 | $70,610,000 | $441,313 | $5,980 | 3.01% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 230 | $61,090,000 | $265,609 | $4,790 | 2.94% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 188 | $58,840,000 | $312,979 | $4,701 | 2.94% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 123 | $45,735,000 | $371,829 | $4,106 | 3.05% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 124 | $34,600,000 | $279,032 | $3,984 | 3.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 136 | $34,210,000 | $251,544 | $5,004 | 3.04% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 144 | $30,100,000 | $209,028 | $3,699 | 2.97% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 48 | $28,470,000 | $593,125 | $6,607 | 3.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 116 | $28,190,000 | $243,017 | $4,081 | 3.02% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 87 | $26,655,000 | $306,379 | $4,720 | 2.99% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 74 | $22,300,000 | $301,351 | $4,018 | 3.01% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 36 | $21,000,000 | $583,333 | $6,419 | 3.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 71 | $20,325,000 | $286,268 | $3,913 | 3.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 53 | $19,525,000 | $368,396 | $5,116 | 2.97% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 41 | $18,595,000 | $453,537 | $5,971 | 3.16% |
| COLUMBUS, OH (FHA|USDA|VA) | 73 | $17,415,000 | $238,562 | $3,935 | 3.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 43 | $16,965,000 | $394,535 | $7,262 | 2.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 61 | $16,535,000 | $271,066 | $4,687 | 2.92% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 54 | $15,490,000 | $286,852 | $4,945 | 2.96% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 48 | $15,030,000 | $313,125 | $4,796 | 2.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 55 | $14,535,000 | $264,273 | $4,827 | 3.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 35 | $12,185,000 | $348,143 | $3,802 | 3.10% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 49 | $10,755,000 | $219,490 | $3,905 | 3.01% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 41 | $10,755,000 | $262,317 | $4,147 | 3.07% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 37 | $10,085,000 | $272,568 | $5,430 | 3.04% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 21 | $8,365,000 | $398,333 | $5,543 | 3.05% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 29 | $8,365,000 | $288,448 | $4,507 | 3.04% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 28 | $8,340,000 | $297,857 | $3,094 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 25 | $8,145,000 | $325,800 | $4,312 | 2.98% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $8,045,000 | $536,333 | $6,442 | 3.18% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 26 | $7,950,000 | $305,769 | $3,446 | 2.96% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 21 | $7,145,000 | $340,238 | $4,730 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 23 | $6,665,000 | $289,783 | $4,089 | 2.92% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 27 | $6,495,000 | $240,556 | $5,144 | 2.93% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 24 | $6,480,000 | $270,000 | $4,138 | 2.93% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 26 | $6,360,000 | $244,615 | $3,384 | 3.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 29 | $6,325,000 | $218,103 | $3,643 | 3.04% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 22 | $5,890,000 | $267,727 | $3,879 | 2.96% |
| PITTSBURGH, PA (FHA|USDA|VA) | 22 | $5,700,000 | $259,091 | $5,260 | 2.94% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 35 | $5,315,000 | $151,857 | $4,525 | 3.22% |
| Outside of Metro Areas | 15 | $4,835,000 | $322,333 | $4,766 | 3.08% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 18 | $4,390,000 | $243,889 | $4,528 | 3.08% |
| FRESNO, CA (FHA|USDA|VA) | 12 | $4,390,000 | $365,833 | $4,123 | 3.11% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 19 | $4,385,000 | $230,789 | $4,117 | 3.10% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 23 | $4,335,000 | $188,478 | $4,042 | 2.91% |
| ANN ARBOR, MI (FHA|USDA|VA) | 14 | $4,250,000 | $303,571 | $4,627 | 2.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $4,205,000 | $280,333 | $3,883 | 2.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $4,140,000 | $414,000 | $3,625 | 3.29% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 15 | $4,015,000 | $267,667 | $3,898 | 3.46% |
| LOUISVILLE, KY (FHA|USDA|VA) | 15 | $3,845,000 | $256,333 | $3,226 | 2.98% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 12 | $3,540,000 | $295,000 | $4,319 | 3.01% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 17 | $3,335,000 | $196,176 | $2,815 | 3.07% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 12 | $3,310,000 | $275,833 | $3,897 | 3.08% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 14 | $3,270,000 | $233,571 | $3,939 | 2.96% |
| PEORIA, IL (FHA|USDA|VA) | 13 | $3,065,000 | $235,769 | $3,957 | 2.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 17 | $3,025,000 | $177,941 | $4,015 | 2.91% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $2,660,000 | $332,500 | $3,770 | 3.06% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 12 | $2,500,000 | $208,333 | $2,863 | 2.97% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $4,770 | 2.95% |
| MADISON, WI (FHA|USDA|VA) | 9 | $2,415,000 | $268,333 | $4,144 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 7 | $2,315,000 | $330,714 | $3,890 | 2.73% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $5,624 | 3.17% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,110,000 | $263,750 | $4,320 | 3.23% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $4,166 | 2.96% |
| ROCHESTER, NY (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $4,689 | 3.10% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $4,635 | 2.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $1,815,000 | $201,667 | $3,130 | 2.99% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $3,286 | 3.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $4,725 | 2.86% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $5,035 | 3.16% |
| AKRON, OH (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $4,586 | 2.77% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $4,745 | 2.98% |
| ST. CLOUD, MN (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,145 | 2.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $3,128 | 2.61% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,454 | 3.13% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $3,814 | 2.48% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $2,594 | 3.03% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $4,829 | 2.78% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $3,283 | 2.78% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $6,249 | 3.04% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $3,436 | 2.96% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $4,820 | 2.83% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,248 | 2.46% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,358 | 3.06% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,190 | 2.97% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,376 | 3.17% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $3,587 | 2.90% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $4,495 | 2.73% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,314 | 3.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $3,377 | 3.23% |
| SYRACUSE, NY (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $4,465 | 2.44% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,326 | 3.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,298 | 2.58% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,726 | 3.19% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,691 | 2.92% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,191 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,614 | 3.22% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,053 | 3.19% |
| FLINT, MI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,288 | 2.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,580 | 2.83% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,474 | 3.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,618 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,691 | 2.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,170 | 2.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,507 | 2.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,508 | 2.88% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,404 | 2.81% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,171 | 2.56% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,570 | 2.94% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,136 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,927 | 3.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $1,715 | 2.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,083 | 3.13% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,768 | 2.50% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,566 | 2.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,659 | 2.96% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,756 | 3.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,086 | 3.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,337 | 3.81% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,512 | 2.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,571 | 3.50% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,902 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,848 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,277 | 3.13% |
| DOVER, DE (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,594 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,066 | 2.56% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,130 | 2.79% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,207 | 3.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,704 | 3.44% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,084 | 2.67% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,924 | 3.54% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,817 | 2.75% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,155 | 2.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,291 | 3.19% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,691 | 2.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,057 | 2.88% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 3.00% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,981 | 3.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,215 | 3.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,344 | 3.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,627 | 3.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,993 | 3.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,971 | 2.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,601 | 2.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,965 | 3.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,307 | 2.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,126 | 3.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 3.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,452 | 2.69% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,013 | 2.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,861 | 2.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,415 | 3.50% |
| Willmar, MN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,876 | 3.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,140 | 2.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,714 | 3.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,940 | 3.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,754 | 3.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,528 | 2.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,140 | 3.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,917 | 2.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,099 | 3.13% |
| Hudson, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,942 | 2.50% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,421 | 3.38% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,926 | 2.38% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,175 | 3.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,407 | 3.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,069 | 3.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,994 | 3.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,155 | 2.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,566 | 2.88% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,459 | 3.13% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,020 | 2.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,750 | 3.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,227 | 2.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,135 | 3.25% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,813 | 3.75% |
| READING, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,322 | 3.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,795 | 2.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 3.56% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,423 | 3.25% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,694 | 2.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,194 | 2.38% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,859 | 3.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,241 | $1,333,445,000 | $314,418 | $4,873 | 3.01% |
For 2021, Guidance Residential's most frequently originated type of loan was Conventional, with 4,241 originations.
Loan Reason
For 2021, Guidance Residential's most frequently cited loan purpose was Home Purchase, with 2,176 originations. The 2nd most popular reason was Refi, with 1,741 originations.
Loan Duration/Length
For 2021, Guidance Residential's most frequently cited loan duration was 30 Year, with 2,566 originations. The 2nd most popular length was 15 Year, with 1,504 originations.
Origination Fees/Closing Costs
Guidance Residential's average total fees were $5,294, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,185 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,835 | $637,285,000 | $347,294 |
| 2.5-3% | 1,684 | $499,740,000 | $296,758 |
| <2.5% | 645 | $172,775,000 | $267,868 |
| 4-5% | 77 | $23,645,000 | $307,078 |
During 2021, Guidance Residential's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 1,835 originations.
Loan Sizing
2021 saw Guidance Residential place emphasis on $200k-400k loans with 2,049 originations, totaling $601,205,000 in origination value.
Applicant Income
Guidance Residential lent most frequently to those with incomes in the $100k-150k range, with 1,320 originations. The second most popular income band? $150k-250k, with 777 originations.
Applicant Debt to Income Ratio
Guidance Residential lent most frequently to those with DTI ratios of 20-30%, with 1,039 originations. The next most common DTI ratio? 30-36%, with 786 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.50%
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 origination77.74%
Guidance Residential has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,241 | $1,333,445,000 | $314,418 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,241 | $1,333,445,000 | $314,418 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GUIDANCE RESIDENTIAL, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 75.0% |
| GUIDANCE RESIDENTIAL, LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |