Guidance Residential, LLC mortgage approval rate & lending review
Guidance Residential, LLC decided 6,813 mortgage applications and funded 6,090 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guidance Residential, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to guidanceresidential.com.
Guidance Residential, LLC at a glance
Approval is 10.3 points above the 85.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 4,928 / 5,053 | 96% | $365K | 4,726 |
| Cash-out refinance | 80% | 290 / 362 | 78% | $275K | 225 |
| Refinance | 95% | 501 / 528 | 80% | $365K | 401 |
| Investment property purchase | 94% | 673 / 719 | 95% | $225K | 637 |
| Investment cash-out refinance | 82% | 85 / 104 | 78% | $215K | 66 |
| Investment refinance | 91% | 43 / 47 | 81% | $195K | 35 |
Guidance Residential, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 97% | $365K | 901 | 828 |
| Illinois | 95% | $345K | 810 | 725 |
| New York | 94% | $525K | 638 | 548 |
| California | 97% | $595K | 435 | 391 |
| New Jersey | 96% | $475K | 432 | 379 |
| Michigan | 95% | $235K | 328 | 286 |
| Florida | 92% | $375K | 302 | 254 |
| Minnesota | 96% | $335K | 295 | 273 |
| Ohio | 95% | $305K | 287 | 249 |
| Washington | 97% | $605K | 263 | 235 |
| Pennsylvania | 95% | $305K | 248 | 222 |
| Virginia | 98% | $495K | 227 | 216 |
| Massachusetts | 96% | $525K | 205 | 183 |
| North Carolina | 93% | $365K | 200 | 177 |
| Maryland | 95% | $445K | 189 | 169 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Guidance Residential, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| DuPage County, IL | Mortgage lenders | 97% | 201 | 190 |
| Middlesex County, NJ | Mortgage lenders | 98% | 123 | 112 |
| Erie County, NY | Mortgage lenders | 98% | 112 | 107 |
| Anoka County, MN | Mortgage lenders | 98% | 57 | 55 |
| DuPage County, IL | Refinance | 96% | 45 | 34 |
| Scott County, MN | Mortgage lenders | 97% | 29 | 26 |
| Bronx County, NY | Mortgage lenders | 87% | 30 | 24 |
| Collin County, TX | Investment property purchase | 100% | 25 | 24 |
| DuPage County, IL | Investment property purchase | 91% | 23 | 21 |
| Olmsted County, MN | Mortgage lenders | 90% | 21 | 19 |
| Erie County, NY | Investment property purchase | 88% | 24 | 19 |
| Albany County, NY | Mortgage lenders | 100% | 22 | 18 |
The county markets where Guidance Residential, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Guidance Residential, LLC
What is Guidance Residential, LLC's mortgage approval rate?
Guidance Residential, LLC approved 95.7% of the 6,813 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.3 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan Guidance Residential, LLC offers?
Borrowers accepted 93% of the loans Guidance Residential, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Guidance Residential, LLC make?
The typical home purchase mortgage loan Guidance Residential, LLC made was $365K; across all loan types its typical loan ran from $195K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guidance Residential, LLC lend?
Guidance Residential, LLC decided applications in 34 of the states Fat Boy Data covers, most of them in Texas, Illinois and New York.
Can I apply to Guidance Residential, LLC directly?
Yes. Guidance Residential, LLC reports as a direct lender that takes applications from borrowers. Its website is guidanceresidential.com.
Does this page show Guidance Residential, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Guidance Residential, LLC treats applications, then get a rate quote from the lender.