Guidance Residential, LLC Mortgage Lending & HMDA Data, 2023
In 2023, Guidance Residential, LLC of Reston, VA reported 2,840 mortgage applications totaling $1.0 billion, down 32% from 2022. The average application was for $366,813, and applicants reported an average income of $156,781. 53% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (231), Dallas-Plano-Irving, TX (158) and Houston-The Woodlands-Sugar Land, TX (157) (applications in parentheses).
| Mortgage Company & Address | Guidance Residential, LLC 11107 Sunset Hills Road, Stes 100 & 200 Reston, VA 20190 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 2,840 |
| Total Mortgage Loan Application Amount | $1,041,750,000 |
| Average Mortgage Loan Application Amount | $366,813 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $156,781 |
| Highest Applicant Income | $3,450,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guidance Residential, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 103 | $ 28,425,000 | $ 275,970 | $ 138,000 |
| DuPage, Illinois | 92 | $ 29,580,000 | $ 321,521 | $ 163,000 |
| Collin, Texas | 92 | $ 40,640,000 | $ 441,739 | $ 194,000 |
| Fort Bend, Texas | 72 | $ 25,090,000 | $ 348,472 | $ 189,000 |
| Harris, Texas | 67 | $ 22,445,000 | $ 335,000 | $ 170,000 |
| Erie, New York | 64 | $ 11,500,000 | $ 179,687 | $ 69,000 |
| Middlesex, New Jersey | 60 | $ 27,140,000 | $ 452,333 | $ 182,000 |
| Dallas, Texas | 49 | $ 17,965,000 | $ 366,632 | $ 153,000 |
| Wayne, Michigan | 48 | $ 10,410,000 | $ 216,875 | $ 115,000 |
| Nassau, New York | 45 | $ 23,665,000 | $ 525,888 | $ 225,000 |
| King, Washington | 40 | $ 24,010,000 | $ 600,250 | $ 171,000 |
| Franklin, Ohio | 37 | $ 11,965,000 | $ 323,378 | $ 166,000 |
| Fairfax, Virginia | 33 | $ 15,205,000 | $ 460,757 | $ 169,000 |
| Sacramento, California | 32 | $ 13,670,000 | $ 427,187 | $ 148,000 |
| Prince William, Virginia | 32 | $ 12,760,000 | $ 398,750 | $ 133,000 |
| Will, Illinois | 31 | $ 9,665,000 | $ 311,774 | $ 130,000 |
| Wake, North Carolina | 31 | $ 11,895,000 | $ 383,709 | $ 147,000 |
| Hillsborough, Florida | 29 | $ 10,365,000 | $ 357,413 | $ 162,000 |
| Queens, New York | 29 | $ 15,875,000 | $ 547,413 | $ 179,000 |
| Baltimore, Maryland | 27 | $ 7,285,000 | $ 269,814 | $ 168,000 |
| Washington, Oregon | 25 | $ 11,565,000 | $ 462,600 | $ 158,000 |
| Oakland, Michigan | 24 | $ 9,290,000 | $ 387,083 | $ 206,000 |
| St. Louis, Missouri | 24 | $ 8,060,000 | $ 335,833 | $ 151,000 |
| Middlesex, Massachusetts | 23 | $ 10,815,000 | $ 470,217 | $ 184,000 |
| Worcester, Massachusetts | 21 | $ 9,505,000 | $ 452,619 | $ 191,000 |
| Maricopa, Arizona | 20 | $ 7,570,000 | $ 378,500 | $ 135,000 |
| Gwinnett, Georgia | 20 | $ 6,780,000 | $ 339,000 | $ 122,000 |
| Bronx, New York | 20 | $ 11,330,000 | $ 566,500 | $ 118,000 |
| San Joaquin, California | 19 | $ 9,045,000 | $ 476,052 | $ 148,000 |
| Hartford, Connecticut | 19 | $ 5,345,000 | $ 281,315 | $ 138,000 |
| Howard, Maryland | 19 | $ 9,695,000 | $ 510,263 | $ 206,000 |
| Hennepin, Minnesota | 19 | $ 6,305,000 | $ 331,842 | $ 175,000 |
| Snohomish, Washington | 19 | $ 12,555,000 | $ 660,789 | $ 202,000 |
| Orange, Florida | 18 | $ 7,150,000 | $ 397,222 | $ 171,000 |
| Hamilton, Indiana | 18 | $ 7,020,000 | $ 390,000 | $ 213,000 |
| Passaic, New Jersey | 18 | $ 7,510,000 | $ 417,222 | $ 129,000 |
| Broward, Florida | 17 | $ 6,415,000 | $ 377,352 | $ 140,000 |
| Prince George's, Maryland | 17 | $ 6,425,000 | $ 377,941 | $ 166,000 |
| Anoka, Minnesota | 17 | $ 6,065,000 | $ 356,764 | $ 162,000 |
| Somerset, New Jersey | 17 | $ 9,825,000 | $ 577,941 | $ 198,000 |
| Tarrant, Texas | 17 | $ 7,285,000 | $ 428,529 | $ 197,000 |
| Loudoun, Virginia | 17 | $ 7,235,000 | $ 425,588 | $ 157,000 |
| Philadelphia, Pennsylvania | 16 | $ 3,750,000 | $ 234,375 | $ 110,000 |
| Suffolk, New York | 15 | $ 7,385,000 | $ 492,333 | $ 186,000 |
| Cuyahoga, Ohio | 15 | $ 3,045,000 | $ 203,000 | $ 233,000 |
| Allegheny, Pennsylvania | 15 | $ 3,305,000 | $ 220,333 | $ 110,000 |
| Denton, Texas | 15 | $ 5,335,000 | $ 355,666 | $ 145,000 |
| Travis, Texas | 15 | $ 5,155,000 | $ 343,666 | $ 143,000 |
| Williamson, Texas | 15 | $ 5,735,000 | $ 382,333 | $ 189,000 |
| Los Angeles, California | 14 | $ 8,690,000 | $ 620,714 | $ 209,000 |
| Jefferson, Kentucky | 14 | $ 3,870,000 | $ 276,428 | $ 122,000 |
| Macomb, Michigan | 14 | $ 2,390,000 | $ 170,714 | $ 85,000 |
| Bergen, New Jersey | 14 | $ 6,610,000 | $ 472,142 | $ 181,000 |
| Shelby, Tennessee | 14 | $ 4,360,000 | $ 311,428 | $ 147,000 |
| Pierce, Washington | 14 | $ 6,730,000 | $ 480,714 | $ 144,000 |
| Riverside, California | 13 | $ 6,245,000 | $ 480,384 | $ 152,000 |
| Mercer, New Jersey | 13 | $ 4,015,000 | $ 308,846 | $ 110,000 |
| Guilford, North Carolina | 13 | $ 3,325,000 | $ 255,769 | $ 98,000 |
| Santa Clara, California | 12 | $ 8,700,000 | $ 725,000 | $ 251,000 |
| Fairfield, Connecticut | 12 | $ 4,800,000 | $ 400,000 | $ 157,000 |
| New Castle, Delaware | 12 | $ 3,120,000 | $ 260,000 | $ 134,000 |
| Pasco, Florida | 12 | $ 4,770,000 | $ 397,500 | $ 128,000 |
| Fulton, Georgia | 12 | $ 5,940,000 | $ 495,000 | $ 205,000 |
| Albany, New York | 12 | $ 3,880,000 | $ 323,333 | $ 204,000 |
| Bucks, Pennsylvania | 12 | $ 5,060,000 | $ 421,666 | $ 243,000 |
| Orange, California | 11 | $ 5,835,000 | $ 530,454 | $ 243,000 |
| San Diego, California | 11 | $ 6,325,000 | $ 575,000 | $ 229,000 |
| Palm Beach, Florida | 11 | $ 3,225,000 | $ 293,181 | $ 138,000 |
| Dakota, Minnesota | 10 | $ 4,280,000 | $ 428,000 | $ 117,000 |
| Burlington, New Jersey | 10 | $ 3,010,000 | $ 301,000 | $ 146,000 |
| Lehigh, Pennsylvania | 10 | $ 3,640,000 | $ 364,000 | $ 156,000 |
| Montgomery, Pennsylvania | 10 | $ 3,820,000 | $ 382,000 | $ 182,000 |
| Milwaukee, Wisconsin | 10 | $ 2,780,000 | $ 278,000 | $ 146,000 |
| Alameda, California | 9 | $ 7,755,000 | $ 861,666 | $ 251,000 |
| San Bernardino, California | 9 | $ 4,755,000 | $ 528,333 | $ 235,000 |
| New Haven, Connecticut | 9 | $ 1,925,000 | $ 213,888 | $ 82,000 |
| Champaign, Illinois | 9 | $ 1,635,000 | $ 181,666 | $ 139,000 |
| Peoria, Illinois | 9 | $ 1,845,000 | $ 205,000 | $ 124,000 |
| Marion, Indiana | 9 | $ 2,025,000 | $ 225,000 | $ 121,000 |
| Kings, New York | 9 | $ 5,215,000 | $ 579,444 | $ 133,000 |
| Richmond, New York | 9 | $ 4,455,000 | $ 495,000 | $ 144,000 |
| Brazoria, Texas | 9 | $ 3,275,000 | $ 363,888 | $ 269,000 |
| Placer, California | 8 | $ 3,900,000 | $ 487,500 | $ 119,000 |
| Osceola, Florida | 8 | $ 1,700,000 | $ 212,500 | $ 177,000 |
| Montgomery, Maryland | 8 | $ 4,550,000 | $ 568,750 | $ 194,000 |
| Camden, New Jersey | 8 | $ 2,040,000 | $ 255,000 | $ 91,000 |
| Essex, New Jersey | 8 | $ 3,090,000 | $ 386,250 | $ 147,000 |
| Hudson, New Jersey | 8 | $ 2,930,000 | $ 366,250 | $ 105,000 |
| Union, New Jersey | 8 | $ 3,570,000 | $ 446,250 | $ 148,000 |
| Westchester, New York | 8 | $ 3,770,000 | $ 471,250 | $ 170,000 |
| Mecklenburg, North Carolina | 8 | $ 3,110,000 | $ 388,750 | $ 166,000 |
| Polk, Oregon | 8 | $ 3,940,000 | $ 492,500 | $ 230,000 |
| Henrico, Virginia | 8 | $ 3,580,000 | $ 447,500 | $ 186,000 |
| Jefferson, Alabama | 7 | $ 2,065,000 | $ 295,000 | $ 152,000 |
| Kendall, Illinois | 7 | $ 1,805,000 | $ 257,857 | $ 108,000 |
| Lake, Illinois | 7 | $ 2,995,000 | $ 427,857 | $ 163,000 |
| Essex, Massachusetts | 7 | $ 3,195,000 | $ 456,428 | $ 110,000 |
| Broome, New York | 7 | $ 1,175,000 | $ 167,857 | $ 88,000 |
| Onondaga, New York | 7 | $ 1,955,000 | $ 279,285 | $ 118,000 |
| Saratoga, New York | 7 | $ 2,385,000 | $ 340,714 | $ 186,000 |
| Butler, Ohio | 7 | $ 2,365,000 | $ 337,857 | $ 172,000 |
| Warren, Ohio | 7 | $ 3,435,000 | $ 490,714 | $ 142,000 |
| Benton, Arkansas | 6 | $ 2,210,000 | $ 368,333 | $ 137,000 |
| Fresno, California | 6 | $ 2,860,000 | $ 476,666 | $ 152,000 |
| District of Columbia, District Of Columbia | 6 | $ 2,300,000 | $ 383,333 | $ 660,000 |
| Forsyth, Georgia | 6 | $ 2,720,000 | $ 453,333 | $ 128,000 |
| Lake, Indiana | 6 | $ 1,520,000 | $ 253,333 | $ 169,000 |
| Anne Arundel, Maryland | 6 | $ 2,160,000 | $ 360,000 | $ 200,000 |
| Washtenaw, Michigan | 6 | $ 2,380,000 | $ 396,666 | $ 128,000 |
| Delaware, Ohio | 6 | $ 2,890,000 | $ 481,666 | $ 222,000 |
| Lucas, Ohio | 6 | $ 1,990,000 | $ 331,666 | $ 337,000 |
| Pima, Arizona | 5 | $ 1,785,000 | $ 357,000 | $ 135,000 |
| Pinal, Arizona | 5 | $ 1,265,000 | $ 253,000 | $ 167,000 |
| Pulaski, Arkansas | 5 | $ 1,755,000 | $ 351,000 | $ 107,000 |
| Contra Costa, California | 5 | $ 2,805,000 | $ 561,000 | $ 258,000 |
| Alachua, Florida | 5 | $ 1,655,000 | $ 331,000 | $ 141,000 |
| Brevard, Florida | 5 | $ 1,605,000 | $ 321,000 | $ 160,000 |
| Miami-Dade, Florida | 5 | $ 2,125,000 | $ 425,000 | $ 183,000 |
| Pinellas, Florida | 5 | $ 1,175,000 | $ 235,000 | $ 67,000 |
| Kane, Illinois | 5 | $ 1,755,000 | $ 351,000 | $ 162,000 |
| McHenry, Illinois | 5 | $ 1,565,000 | $ 313,000 | $ 142,000 |
| Hendricks, Indiana | 5 | $ 1,505,000 | $ 301,000 | $ 105,000 |
| Johnson, Kansas | 5 | $ 1,705,000 | $ 341,000 | $ 132,000 |
| Bristol, Massachusetts | 5 | $ 1,985,000 | $ 397,000 | $ 115,000 |
| Norfolk, Massachusetts | 5 | $ 3,465,000 | $ 693,000 | $ 196,000 |
| Olmsted, Minnesota | 5 | $ 855,000 | $ 171,000 | $ 153,000 |
| Stearns, Minnesota | 5 | $ 1,355,000 | $ 271,000 | $ 93,000 |
| Boone, Missouri | 5 | $ 1,575,000 | $ 315,000 | $ 193,000 |
| Clay, Missouri | 5 | $ 1,305,000 | $ 261,000 | $ 89,000 |
| Jackson, Missouri | 5 | $ 1,265,000 | $ 253,000 | $ 117,000 |
| Hunterdon, New Jersey | 5 | $ 1,765,000 | $ 353,000 | $ 191,000 |
| Monroe, New York | 5 | $ 1,645,000 | $ 329,000 | $ 178,000 |
| Chester, Pennsylvania | 5 | $ 2,045,000 | $ 409,000 | $ 104,000 |
| Cumberland, Pennsylvania | 5 | $ 1,555,000 | $ 311,000 | $ 120,000 |
| Providence, Rhode Island | 5 | $ 1,435,000 | $ 287,000 | $ 117,000 |
| Davidson, Tennessee | 5 | $ 1,635,000 | $ 327,000 | $ 102,000 |
| Bexar, Texas | 5 | $ 1,535,000 | $ 307,000 | $ 113,000 |
| Chesterfield, Virginia | 5 | $ 1,595,000 | $ 319,000 | $ 111,000 |
| Stafford, Virginia | 5 | $ 2,325,000 | $ 465,000 | $ 126,000 |
| Shelby, Alabama | 4 | $ 1,130,000 | $ 282,500 | $ 130,000 |
| Manatee, Florida | 4 | $ 1,420,000 | $ 355,000 | $ 453,000 |
| Marion, Florida | 4 | $ 1,510,000 | $ 377,500 | $ 266,000 |
| Cherokee, Georgia | 4 | $ 1,530,000 | $ 382,500 | $ 221,000 |
| Cobb, Georgia | 4 | $ 1,750,000 | $ 437,500 | $ 128,000 |
| DeKalb, Georgia | 4 | $ 1,470,000 | $ 367,500 | $ 145,000 |
| Sangamon, Illinois | 4 | $ 1,170,000 | $ 292,500 | $ 305,000 |
| Tazewell, Illinois | 4 | $ 590,000 | $ 147,500 | $ 145,000 |
| Sedgwick, Kansas | 4 | $ 990,000 | $ 247,500 | $ 200,000 |
| Fayette, Kentucky | 4 | $ 1,080,000 | $ 270,000 | $ 165,000 |
| Warren, Kentucky | 4 | $ 800,000 | $ 200,000 | $ 59,000 |
| Baltimore City, Maryland | 4 | $ 890,000 | $ 222,500 | $ 85,000 |
| Frederick, Maryland | 4 | $ 1,460,000 | $ 365,000 | $ 185,000 |
| Suffolk, Massachusetts | 4 | $ 1,870,000 | $ 467,500 | $ 107,000 |
| Scott, Minnesota | 4 | $ 1,690,000 | $ 422,500 | $ 115,000 |
| Durham, North Carolina | 4 | $ 1,420,000 | $ 355,000 | $ 101,000 |
| Montgomery, Ohio | 4 | $ 1,560,000 | $ 390,000 | $ 101,000 |
| Stark, Ohio | 4 | $ 1,020,000 | $ 255,000 | $ 145,000 |
| Multnomah, Oregon | 4 | $ 1,840,000 | $ 460,000 | $ 130,000 |
| Delaware, Pennsylvania | 4 | $ 980,000 | $ 245,000 | $ 138,000 |
| Waller, Texas | 4 | $ 1,680,000 | $ 420,000 | $ 284,000 |
| Benton, Washington | 4 | $ 1,180,000 | $ 295,000 | $ 132,000 |
| Monongalia, West Virginia | 4 | $ 1,530,000 | $ 382,500 | $ 446,000 |
| Waukesha, Wisconsin | 4 | $ 1,310,000 | $ 327,500 | $ 252,000 |
| Merced, California | 3 | $ 1,075,000 | $ 358,333 | $ 171,000 |
| Stanislaus, California | 3 | $ 535,000 | $ 178,333 | $ 60,000 |
| Tulare, California | 3 | $ 945,000 | $ 315,000 | $ 181,000 |
| Arapahoe, Colorado | 3 | $ 1,295,000 | $ 431,666 | $ 109,000 |
| El Paso, Colorado | 3 | $ 1,005,000 | $ 335,000 | $ 92,000 |
| Tolland, Connecticut | 3 | $ 1,045,000 | $ 348,333 | $ 154,000 |
| Hernando, Florida | 3 | $ 805,000 | $ 268,333 | $ 563,000 |
| Lake, Florida | 3 | $ 1,355,000 | $ 451,666 | $ 213,000 |
| Lee, Florida | 3 | $ 675,000 | $ 225,000 | $ 115,000 |
| Seminole, Florida | 3 | $ 1,185,000 | $ 395,000 | $ 221,000 |
| St. Lucie, Florida | 3 | $ 855,000 | $ 285,000 | $ 77,000 |
| Clayton, Georgia | 3 | $ 615,000 | $ 205,000 | $ 128,000 |
| Rock Island, Illinois | 3 | $ 435,000 | $ 145,000 | $ 60,000 |
| Winnebago, Illinois | 3 | $ 605,000 | $ 201,666 | $ 98,000 |
| Allen, Indiana | 3 | $ 275,000 | $ 91,666 | $ 62,000 |
| Charles, Maryland | 3 | $ 905,000 | $ 301,666 | $ 143,000 |
| Genesee, Michigan | 3 | $ 295,000 | $ 98,333 | $ 75,000 |
| Kalamazoo, Michigan | 3 | $ 815,000 | $ 271,666 | $ 124,000 |
| Clay, Minnesota | 3 | $ 845,000 | $ 281,666 | $ 64,000 |
| Ramsey, Minnesota | 3 | $ 1,145,000 | $ 381,666 | $ 128,000 |
| Washington, Minnesota | 3 | $ 1,705,000 | $ 568,333 | $ 154,000 |
| Buchanan, Missouri | 3 | $ 455,000 | $ 151,666 | $ 56,000 |
| Atlantic, New Jersey | 3 | $ 575,000 | $ 191,666 | $ 73,000 |
| Morris, New Jersey | 3 | $ 935,000 | $ 311,666 | $ 98,000 |
| Rensselaer, New York | 3 | $ 635,000 | $ 211,666 | $ 116,000 |
| Cabarrus, North Carolina | 3 | $ 1,315,000 | $ 438,333 | $ 134,000 |
| New Hanover, North Carolina | 3 | $ 1,435,000 | $ 478,333 | $ 252,000 |
| Lorain, Ohio | 3 | $ 765,000 | $ 255,000 | $ 100,000 |
| Lancaster, Pennsylvania | 3 | $ 1,125,000 | $ 375,000 | $ 299,000 |
| Knox, Tennessee | 3 | $ 735,000 | $ 245,000 | $ 126,000 |
| Sevier, Tennessee | 3 | $ 1,915,000 | $ 638,333 | $ 261,000 |
| Cameron, Texas | 3 | $ 355,000 | $ 118,333 | $ 165,000 |
| El Paso, Texas | 3 | $ 525,000 | $ 175,000 | $ 84,000 |
| Montgomery, Texas | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| York, Virginia | 3 | $ 935,000 | $ 311,666 | $ 239,000 |
| Thurston, Washington | 3 | $ 1,295,000 | $ 431,666 | $ 138,000 |
| Dane, Wisconsin | 3 | $ 815,000 | $ 271,666 | $ 94,000 |
| Coconino, Arizona | 2 | $ 1,040,000 | $ 520,000 | $ 218,000 |
| Butte, California | 2 | $ 530,000 | $ 265,000 | $ 60,000 |
| Kern, California | 2 | $ 700,000 | $ 350,000 | $ 90,000 |
| Sonoma, California | 2 | $ 1,180,000 | $ 590,000 | $ 135,000 |
| Yolo, California | 2 | $ 640,000 | $ 320,000 | $ 151,000 |
| Middlesex, Connecticut | 2 | $ 550,000 | $ 275,000 | $ 91,000 |
| Collier, Florida | 2 | $ 850,000 | $ 425,000 | $ 146,000 |
| Polk, Florida | 2 | $ 670,000 | $ 335,000 | $ 87,000 |
| Paulding, Georgia | 2 | $ 310,000 | $ 155,000 | $ 57,000 |
| Richmond, Georgia | 2 | $ 330,000 | $ 165,000 | $ 327,000 |
| McLean, Illinois | 2 | $ 490,000 | $ 245,000 | $ 124,000 |
| Madison, Indiana | 2 | $ 640,000 | $ 320,000 | $ 359,000 |
| Hampden, Massachusetts | 2 | $ 1,190,000 | $ 595,000 | $ 215,000 |
| Plymouth, Massachusetts | 2 | $ 1,450,000 | $ 725,000 | $ 196,000 |
| Branch, Michigan | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Ingham, Michigan | 2 | $ 560,000 | $ 280,000 | $ 102,000 |
| Hinds, Mississippi | 2 | $ 820,000 | $ 410,000 | $ 170,000 |
| Gloucester, New Jersey | 2 | $ 520,000 | $ 260,000 | $ 189,000 |
| Columbia, New York | 2 | $ 560,000 | $ 280,000 | $ 117,000 |
| Orange, New York | 2 | $ 630,000 | $ 315,000 | $ 106,000 |
| Schenectady, New York | 2 | $ 440,000 | $ 220,000 | $ 351,000 |
| Chatham, North Carolina | 2 | $ 670,000 | $ 335,000 | $ 138,000 |
| Cumberland, North Carolina | 2 | $ 570,000 | $ 285,000 | $ 286,000 |
| Forsyth, North Carolina | 2 | $ 320,000 | $ 160,000 | $ 44,000 |
| Granville, North Carolina | 2 | $ 710,000 | $ 355,000 | $ 138,000 |
| Nash, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 110,000 |
| Rowan, North Carolina | 2 | $ 360,000 | $ 180,000 | $ 45,000 |
| Clark, Ohio | 2 | $ 550,000 | $ 275,000 | $ 285,000 |
| Hamilton, Ohio | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Summit, Ohio | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Berks, Pennsylvania | 2 | $ 730,000 | $ 365,000 | $ 139,000 |
| Erie, Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| York, Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Greenville, South Carolina | 2 | $ 580,000 | $ 290,000 | $ 251,000 |
| Hamilton, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 135,000 |
| Rutherford, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 152,000 |
| Grayson, Texas | 2 | $ 630,000 | $ 315,000 | $ 106,000 |
| Johnson, Texas | 2 | $ 1,120,000 | $ 560,000 | $ 154,000 |
| Kaufman, Texas | 2 | $ 780,000 | $ 390,000 | $ 96,000 |
| Alexandria, Virginia | 2 | $ 410,000 | $ 205,000 | $ 99,000 |
| Harrisonburg, Virginia | 2 | $ 270,000 | $ 135,000 | $ 85,000 |
| Colbert, Alabama | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Dale, Alabama | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Madison, Alabama | 1 | $ 375,000 | $ 375,000 | $ 87,000 |
| Craighead, Arkansas | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Crittenden, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 139,000 |
| San Francisco, California | 1 | $ 655,000 | $ 655,000 | $ 251,000 |
| Santa Cruz, California | 1 | $ 725,000 | $ 725,000 | $ 143,000 |
| Ventura, California | 1 | $ 685,000 | $ 685,000 | $ 232,000 |
| Boulder, Colorado | 1 | $ 385,000 | $ 385,000 | $ 195,000 |
| Weld, Colorado | 1 | $ 625,000 | $ 625,000 | $ 164,000 |
| Litchfield, Connecticut | 1 | $ 315,000 | $ 315,000 | $ 215,000 |
| New London, Connecticut | 1 | $ 195,000 | $ 195,000 | $ 193,000 |
| Duval, Florida | 1 | $ 515,000 | $ 515,000 | $ 249,000 |
| Martin, Florida | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| St. Johns, Florida | 1 | $ 295,000 | $ 295,000 | $ 138,000 |
| Bibb, Georgia | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Chatham, Georgia | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Columbia, Georgia | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Muscogee, Georgia | 1 | $ 145,000 | $ 145,000 | $ 564,000 |
| Walton, Georgia | 1 | $ 365,000 | $ 365,000 | $ 109,000 |
| Boone, Illinois | 1 | $ 205,000 | $ 205,000 | $ 476,000 |
| St. Clair, Illinois | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Vermilion, Illinois | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Brown, Indiana | 1 | $ 295,000 | $ 295,000 | $ 180,000 |
| Clark, Indiana | 1 | $ 395,000 | $ 395,000 | $ 598,000 |
| Morgan, Indiana | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Noble, Indiana | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Grant, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Oldham, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 155,000 |
| Carroll, Maryland | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| Cecil, Maryland | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Harford, Maryland | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| St. Mary's, Maryland | 1 | $ 305,000 | $ 305,000 | $ 68,000 |
| Wicomico, Maryland | 1 | $ 725,000 | $ 725,000 | $ 280,000 |
| Worcester, Maryland | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Kent, Michigan | 1 | $ 355,000 | $ 355,000 | $ 107,000 |
| Lake, Michigan | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Marquette, Michigan | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Midland, Michigan | 1 | $ 105,000 | $ 105,000 | $ 240,000 |
| Benton, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 62,000 |
| Wright, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Alcorn, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Bolivar, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Lafayette, Mississippi | 1 | $ 295,000 | $ 295,000 | $ 123,000 |
| Cape Girardeau, Missouri | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| St. Louis City, Missouri | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Warren, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Chemung, New York | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Dutchess, New York | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Niagara, New York | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Oneida, New York | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Rockland, New York | 1 | $ 605,000 | $ 605,000 | $ 185,000 |
| Schoharie, New York | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Sullivan, New York | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Alamance, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 204,000 |
| Davidson, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| Gaston, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 600,000 |
| Harnett, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Iredell, North Carolina | 1 | $ 495,000 | $ 495,000 | $ 152,000 |
| Johnston, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 68,000 |
| Orange, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 174,000 |
| Randolph, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Clermont, Ohio | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Fairfield, Ohio | 1 | $ 255,000 | $ 255,000 | $ 157,000 |
| Lake, Ohio | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Mahoning, Ohio | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Clackamas, Oregon | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Jackson, Oregon | 1 | $ 345,000 | $ 345,000 | $ 156,000 |
| Klamath, Oregon | 1 | $ 265,000 | $ 265,000 | $ 180,000 |
| Linn, Oregon | 1 | $ 325,000 | $ 325,000 | $ 64,000 |
| Marion, Oregon | 1 | $ 635,000 | $ 635,000 | $ 158,000 |
| Butler, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 191,000 |
| Cambria, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 290,000 |
| Monroe, Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 159,000 |
| Northampton, Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 140,000 |
| Anderson, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Dorchester, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 243,000 |
| Lancaster, South Carolina | 1 | $ 565,000 | $ 565,000 | $ 188,000 |
| Lexington, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Pickens, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Richland, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Saluda, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| York, South Carolina | 1 | $ 455,000 | $ 455,000 | $ 117,000 |
| Maury, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 246,000 |
| Brazos, Texas | 1 | $ 435,000 | $ 435,000 | $ 260,000 |
| Chambers, Texas | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Hidalgo, Texas | 1 | $ 535,000 | $ 535,000 | $ 670,000 |
| Jefferson, Texas | 1 | $ 445,000 | $ 445,000 | $ 111,000 |
| Liberty, Texas | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Lubbock, Texas | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Smith, Texas | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Wilson, Texas | 1 | $ 415,000 | $ 415,000 | $ 183,000 |
| Albemarle, Virginia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Chesapeake, Virginia | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Fairfax City, Virginia | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| Montgomery, Virginia | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Newport News, Virginia | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Rockingham, Virginia | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Shenandoah, Virginia | 1 | $ 215,000 | $ 215,000 | $ 402,000 |
| Suffolk, Virginia | 1 | $ 525,000 | $ 525,000 | $ 284,000 |
| Kitsap, Washington | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Mason, Washington | 1 | $ 375,000 | $ 375,000 | $ 97,000 |
| Whitman, Washington | 1 | $ 455,000 | $ 455,000 | $ 131,000 |
| Berkeley, West Virginia | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Cabell, West Virginia | 1 | $ 655,000 | $ 655,000 | $ 175,000 |
| Hampshire, West Virginia | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Brown, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Outagamie, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Racine, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 307,000 |
| St. Croix, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, LLC in 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,582 | $969,090,000 | $375,000 | $1,425,000 | $157,000 | $3,450,000 |
| Cash-out Refinancing | 187 | $50,475,000 | $269,000 | $725,000 | $159,000 | $855,000 |
| Refinancing | 71 | $22,185,000 | $312,000 | $955,000 | $143,000 | $445,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,299 | $486,095,000 | $374,000 | $1,085,000 | $161,000 | $3,450,000 |
| White | 670 | $239,190,000 | $357,000 | $1,425,000 | $154,000 | $886,000 |
| Not Provided | 570 | $210,000,000 | $368,000 | $1,085,000 | $160,000 | $840,000 |
| Black or African American | 289 | $103,535,000 | $358,000 | $965,000 | $138,000 | $733,000 |
| Hispanic | 12 | $2,930,000 | $244,000 | $515,000 | $115,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 2,840 | $1,041,750,000 | $366,000 | $1,425,000 | $157,000 | $3,450,000 |
| 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 | 1,508 | $553,040,000 | $366,000 | $1,425,000 | $160,000 | $886,000 |
| Application Withdrawn By Applicant | 438 | $167,830,000 | $383,000 | $1,085,000 | $156,000 | $660,000 |
| File Closed For Incompleteness | 312 | $120,460,000 | $386,000 | $955,000 | $179,000 | $1,788,000 |
| Preapproval Denied by Financial Institution | 258 | $82,580,000 | $320,000 | $1,005,000 | $106,000 | $717,000 |
| Application Denied By Financial Institution | 109 | $32,475,000 | $297,000 | $865,000 | $165,000 | $3,450,000 |
| Application Approved But Not Accepted | 108 | $42,010,000 | $388,000 | $935,000 | $161,000 | $522,000 |
| Preapproval Approved but not Accepted | 107 | $43,355,000 | $405,000 | $1,005,000 | $158,000 | $840,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,473 | $926,695,000 | $374,000 | $1,425,000 | $162,000 | $1,788,000 |
| Credit History | 114 | $36,330,000 | $318,000 | $1,005,000 | $135,000 | $1,230,000 |
| Other | 60 | $17,990,000 | $299,000 | $865,000 | $127,000 | $3,450,000 |
| Unverifiable Information | 55 | $18,065,000 | $328,000 | $775,000 | $102,000 | $307,000 |
| Collateral | 43 | $10,195,000 | $237,000 | $665,000 | $150,000 | $476,000 |
| Debt-To-Income Ratio | 40 | $12,960,000 | $324,000 | $815,000 | $90,000 | $335,000 |
| Employment History | 36 | $13,140,000 | $365,000 | $605,000 | $110,000 | $717,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $6,020,000 | $334,000 | $725,000 | $150,000 | $413,000 |
| Credit Application Incomplete | 1 | $355,000 | $355,000 | $355,000 | $180,000 | $180,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, LLC's 2023 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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