Guidance Residential, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Guidance Residential, Llc 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Guidance Residential, Llc 11107 Sunset Hills Road, Stes 100 & 200 Wilmington, DE 20190 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,481 |
| Total Mortgage Loan Application Amount | $278,885,000 |
| Average Mortgage Loan Application Amount | $184,739 |
| Highest Mortgage Loan Application Amount | $409,000 |
| Average Applicant Income | $78,217 |
| Highest Applicant Income | $488,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Guidance Residential, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guidance Residential, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Guidance Residential, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guidance Residential, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Guidance Residential, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guidance Residential, Llc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 176 | $ 32,141,000 | $ 182,000 | $ 68,000 |
| DuPage County Illinois | 148 | $ 28,383,000 | $ 191,000 | $ 90,000 |
| Fairfax County Virginia | 124 | $ 24,816,000 | $ 200,000 | $ 64,000 |
| Middlesex County New Jersey | 72 | $ 14,973,000 | $ 207,000 | $ 76,000 |
| Wayne County Michigan | 58 | $ 9,716,000 | $ 167,000 | $ 74,000 |
| Orange County Florida | 49 | $ 9,274,000 | $ 189,000 | $ 97,000 |
| Prince George's County Maryland | 40 | $ 6,961,000 | $ 174,000 | $ 73,000 |
| Montgomery County Maryland | 39 | $ 7,897,000 | $ 202,000 | $ 88,000 |
| Loudoun County Virginia | 34 | $ 7,610,000 | $ 223,000 | $ 81,000 |
| Los Angeles County California | 32 | $ 7,838,000 | $ 244,000 | $ 89,000 |
| Oakland County Michigan | 29 | $ 6,656,000 | $ 229,000 | $ 107,000 |
| Bergen County New Jersey | 26 | $ 5,383,000 | $ 207,000 | $ 75,000 |
| Mercer County New Jersey | 26 | $ 4,733,000 | $ 182,000 | $ 99,000 |
| Will County Illinois | 25 | $ 5,930,000 | $ 237,000 | $ 132,000 |
| Duval County Florida | 23 | $ 3,043,000 | $ 132,000 | $ 56,000 |
| Howard County Maryland | 23 | $ 5,008,000 | $ 217,000 | $ 83,000 |
| Washtenaw County Michigan | 21 | $ 3,617,000 | $ 172,000 | $ 55,000 |
| Broward County Florida | 20 | $ 4,123,000 | $ 206,000 | $ 67,000 |
| Hillsborough County Florida | 19 | $ 2,629,000 | $ 138,000 | $ 64,000 |
| Baltimore County Maryland | 19 | $ 2,500,000 | $ 131,000 | $ 57,000 |
| Somerset County New Jersey | 19 | $ 4,020,000 | $ 211,000 | $ 122,000 |
| Baltimore City County Maryland | 18 | $ 1,957,000 | $ 108,000 | $ 47,000 |
| Prince William County Virginia | 18 | $ 3,666,000 | $ 203,000 | $ 87,000 |
| Essex County New Jersey | 17 | $ 2,548,000 | $ 149,000 | $ 61,000 |
| Orange County California | 16 | $ 3,493,000 | $ 218,000 | $ 57,000 |
| Hudson County New Jersey | 16 | $ 3,402,000 | $ 212,000 | $ 67,000 |
| Philadelphia County Pennsylvania | 15 | $ 1,135,000 | $ 75,000 | $ 38,000 |
| Santa Clara County California | 12 | $ 3,176,000 | $ 264,000 | $ 138,000 |
| Passaic County New Jersey | 12 | $ 2,361,000 | $ 196,000 | $ 74,000 |
| Riverside County California | 11 | $ 2,471,000 | $ 224,000 | $ 60,000 |
| Miami-Dade County Florida | 11 | $ 1,412,000 | $ 128,000 | $ 43,000 |
| Lake County Illinois | 11 | $ 2,489,000 | $ 226,000 | $ 94,000 |
| Burlington County New Jersey | 11 | $ 1,562,000 | $ 142,000 | $ 57,000 |
| Osceola County Florida | 10 | $ 1,421,000 | $ 142,000 | $ 69,000 |
| Franklin County Ohio | 10 | $ 1,952,000 | $ 195,000 | $ 53,000 |
| Monmouth County New Jersey | 9 | $ 1,840,000 | $ 204,000 | $ 97,000 |
| Queens County New York | 9 | $ 1,828,000 | $ 203,000 | $ 86,000 |
| Champaign County Illinois | 7 | $ 889,000 | $ 127,000 | $ 77,000 |
| Charles County Maryland | 7 | $ 1,506,000 | $ 215,000 | $ 81,000 |
| Bucks County Pennsylvania | 7 | $ 1,282,000 | $ 183,000 | $ 107,000 |
| Alameda County California | 6 | $ 1,521,000 | $ 253,000 | $ 92,000 |
| Sacramento County California | 6 | $ 1,079,000 | $ 179,000 | $ 51,000 |
| Seminole County Florida | 6 | $ 1,105,000 | $ 184,000 | $ 64,000 |
| Kane County Illinois | 6 | $ 1,153,000 | $ 192,000 | $ 99,000 |
| Morris County New Jersey | 6 | $ 1,682,000 | $ 280,000 | $ 86,000 |
| Union County New Jersey | 6 | $ 1,227,000 | $ 204,000 | $ 136,000 |
| Henrico County Virginia | 6 | $ 1,121,000 | $ 186,000 | $ 79,000 |
| Contra Costa County California | 5 | $ 1,324,000 | $ 264,000 | $ 93,000 |
| Pinellas County Florida | 5 | $ 623,000 | $ 124,000 | $ 103,000 |
| Nassau County New York | 5 | $ 1,473,000 | $ 294,000 | $ 70,000 |
| Suffolk County New York | 5 | $ 1,028,000 | $ 205,000 | $ 91,000 |
| Cuyahoga County Ohio | 5 | $ 816,000 | $ 163,000 | $ 55,000 |
| District of Columbia County District Of Columbia | 4 | $ 394,000 | $ 98,000 | $ 56,000 |
| Peoria County Illinois | 4 | $ 639,000 | $ 159,000 | $ 112,000 |
| Atlantic County New Jersey | 4 | $ 486,000 | $ 121,000 | $ 138,000 |
| Camden County New Jersey | 4 | $ 510,000 | $ 127,000 | $ 42,000 |
| Orange County New York | 4 | $ 559,000 | $ 139,000 | $ 56,000 |
| Allegheny County Pennsylvania | 4 | $ 719,000 | $ 179,000 | $ 175,000 |
| Chester County Pennsylvania | 4 | $ 746,000 | $ 186,000 | $ 89,000 |
| Delaware County Pennsylvania | 4 | $ 308,000 | $ 77,000 | $ 31,000 |
| Monroe County Pennsylvania | 4 | $ 435,000 | $ 108,000 | $ 136,000 |
| Alexandria County Virginia | 4 | $ 631,000 | $ 157,000 | $ 128,000 |
| Arlington County Virginia | 4 | $ 803,000 | $ 200,000 | $ 76,000 |
| Stafford County Virginia | 4 | $ 869,000 | $ 217,000 | $ 70,000 |
| San Bernardino County California | 3 | $ 580,000 | $ 193,000 | $ 87,000 |
| Bay County Florida | 3 | $ 356,000 | $ 118,000 | $ 153,000 |
| Pasco County Florida | 3 | $ 369,000 | $ 123,000 | $ 76,000 |
| McHenry County Illinois | 3 | $ 566,000 | $ 188,000 | $ 77,000 |
| Genesee County Michigan | 3 | $ 454,000 | $ 151,000 | $ 76,000 |
| Macomb County Michigan | 3 | $ 475,000 | $ 158,000 | $ 48,000 |
| Ocean County New Jersey | 3 | $ 674,000 | $ 224,000 | $ 97,000 |
| Erie County New York | 3 | $ 384,000 | $ 128,000 | $ 56,000 |
| Cumberland County Pennsylvania | 3 | $ 349,000 | $ 116,000 | $ 102,000 |
| Montgomery County Pennsylvania | 3 | $ 522,000 | $ 174,000 | $ 65,000 |
| Northampton County Pennsylvania | 3 | $ 382,000 | $ 127,000 | $ 55,000 |
| Chesterfield County Virginia | 3 | $ 471,000 | $ 157,000 | $ 59,000 |
| Kern County California | 2 | $ 429,000 | $ 214,000 | $ 86,000 |
| Monterey County California | 2 | $ 247,000 | $ 123,000 | $ 47,000 |
| San Diego County California | 2 | $ 415,000 | $ 207,000 | $ 62,000 |
| San Francisco County California | 2 | $ 581,000 | $ 290,000 | $ 98,000 |
| Charlotte County Florida | 2 | $ 280,000 | $ 140,000 | $ 28,000 |
| Lake County Florida | 2 | $ 324,000 | $ 162,000 | $ 273,000 |
| Manatee County Florida | 2 | $ 278,000 | $ 139,000 | $ 69,000 |
| Santa Rosa County Florida | 2 | $ 245,000 | $ 122,000 | $ 57,000 |
| Volusia County Florida | 2 | $ 481,000 | $ 240,000 | $ 153,000 |
| Winnebago County Illinois | 2 | $ 262,000 | $ 131,000 | $ 180,000 |
| Anne Arundel County Maryland | 2 | $ 294,000 | $ 147,000 | $ 70,000 |
| Frederick County Maryland | 2 | $ 324,000 | $ 162,000 | $ 81,000 |
| Harford County Maryland | 2 | $ 374,000 | $ 187,000 | $ 86,000 |
| Washington County Maryland | 2 | $ 624,000 | $ 312,000 | $ 146,000 |
| Kalamazoo County Michigan | 2 | $ 290,000 | $ 145,000 | $ 72,000 |
| Gloucester County New Jersey | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Dutchess County New York | 2 | $ 412,000 | $ 206,000 | $ 47,000 |
| Kings County New York | 2 | $ 394,000 | $ 197,000 | $ 49,000 |
| Lucas County Ohio | 2 | $ 314,000 | $ 157,000 | $ 50,000 |
| Manassas Park County Virginia | 2 | $ 441,000 | $ 220,000 | $ 56,000 |
| Montgomery County Virginia | 2 | $ 165,000 | $ 82,000 | $ 39,000 |
| Modoc County California | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Placer County California | 1 | $ 158,000 | $ 158,000 | $ 112,000 |
| Shasta County California | 1 | $ 164,000 | $ 164,000 | $ 132,000 |
| Solano County California | 1 | $ 248,000 | $ 248,000 | $ 62,000 |
| Stanislaus County California | 1 | $ 249,000 | $ 249,000 | $ 172,000 |
| Alachua County Florida | 1 | $ 101,000 | $ 101,000 | $ 33,000 |
| Brevard County Florida | 1 | $ 59,000 | $ 59,000 | $ 65,000 |
| Clay County Florida | 1 | $ 168,000 | $ 168,000 | $ 92,000 |
| Hernando County Florida | 1 | $ 323,000 | $ 323,000 | $ 120,000 |
| Lee County Florida | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Leon County Florida | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Marion County Florida | 1 | $ 104,000 | $ 104,000 | $ 94,000 |
| Nassau County Florida | 1 | $ 323,000 | $ 323,000 | $ 139,000 |
| Palm Beach County Florida | 1 | $ 156,000 | $ 156,000 | $ 36,000 |
| Polk County Florida | 1 | $ 117,000 | $ 117,000 | $ 31,000 |
| Sarasota County Florida | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| St. Lucie County Florida | 1 | $ 113,000 | $ 113,000 | $ 135,000 |
| Taylor County Florida | 1 | $ 171,000 | $ 171,000 | $ 33,000 |
| Boone County Illinois | 1 | $ 272,000 | $ 272,000 | $ 150,000 |
| DeKalb County Illinois | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Macon County Illinois | 1 | $ 240,000 | $ 240,000 | $ 138,000 |
| Madison County Illinois | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| St. Clair County Illinois | 1 | $ 173,000 | $ 173,000 | $ 56,000 |
| Wicomico County Maryland | 1 | $ 184,000 | $ 184,000 | $ 69,000 |
| Bay County Michigan | 1 | $ 322,000 | $ 322,000 | $ 80,000 |
| Albany County New York | 1 | $ 212,000 | $ 212,000 | $ 80,000 |
| Richmond County New York | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Westchester County New York | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Medina County Ohio | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Miami County Ohio | 1 | $ 122,000 | $ 122,000 | $ 225,000 |
| Scioto County Ohio | 1 | $ 102,000 | $ 102,000 | $ 95,000 |
| Warren County Ohio | 1 | $ 323,000 | $ 323,000 | $ 177,000 |
| Centre County Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
| Lehigh County Pennsylvania | 1 | $ 251,000 | $ 251,000 | $ 132,000 |
| Lycoming County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 128,000 |
| Albemarle County Virginia | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Caroline County Virginia | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Manassas County Virginia | 1 | $ 187,000 | $ 187,000 | $ 85,000 |
| Berkeley County West Virginia | 1 | $ 270,000 | $ 270,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, Llc in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 962 | $174,422,000 | $170,272 | $336,000 | $76,272 | $488,000 |
| Home Purchase (one-to-four family) | 519 | $104,463,000 | $198,000 | $409,000 | $80,000 | $442,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian or Pacific Islander | 818 | $158,766,000 | $186,333 | $392,000 | $82,083 | $488,000 |
| White | 238 | $44,769,000 | $180,200 | $323,000 | $72,600 | $445,000 |
| Other | 231 | $43,207,000 | $182,272 | $323,000 | $82,909 | $360,000 |
| Black | 114 | $16,986,000 | $150,909 | $323,000 | $57,636 | $168,000 |
| Information not provided by applicant in mail or telephone application | 72 | $13,887,000 | $182,888 | $409,000 | $89,666 | $450,000 |
| Hispanic | 8 | $1,270,000 | $155,000 | $232,000 | $59,333 | $85,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,481 | $278,885,000 | $185,416 | $409,000 | $79,916 | $488,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 801 | $157,143,000 | $195,600 | $348,000 | $83,300 | $488,000 |
| Application Withdrawn By Applicant | 360 | $65,321,000 | $175,500 | $409,000 | $81,666 | $445,000 |
| Application Approved But Not Accepted | 150 | $28,715,000 | $185,181 | $323,000 | $78,636 | $450,000 |
| Application Denied By Financial Institution | 124 | $20,213,000 | $159,727 | $340,000 | $55,363 | $388,000 |
| File Closed For Incompleteness | 46 | $7,493,000 | $152,400 | $320,000 | $72,800 | $442,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 57 | $8,654,000 | $140,100 | $323,000 | $64,200 | $388,000 |
| Debt-To-Income Ratio | 48 | $7,675,000 | $158,250 | $312,000 | $35,750 | $104,000 |
| Other | 7 | $1,365,000 | $193,250 | $297,000 | $61,000 | $93,000 |
| Unverifiable Information | 5 | $1,230,000 | $246,000 | $310,000 | $123,000 | $345,000 |
| Collateral | 4 | $616,000 | $161,666 | $248,000 | $40,666 | $105,000 |
| Credit Application Incomplete | 2 | $475,000 | $237,500 | $340,000 | $80,500 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $198,000 | $198,000 | $198,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, Llc's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guidance Residential, Llc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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