Guidance Residential, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Guidance Residential, LLC of Reston, VA reported 4,683 mortgage applications totaling $1.8 billion, up 41% from 2024. The average application was for $393,176, and applicants reported an average income of $171,255. 61% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (434), Dallas-Plano-Irving, TX (273) and Minneapolis-St. Paul-Bloomington, MN-WI (219) (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 | 4,683 |
| Total Mortgage Loan Application Amount | $1,841,245,000 |
| Average Mortgage Loan Application Amount | $393,176 |
| Highest Mortgage Loan Application Amount | $1,545,000 |
| Average Applicant Income | $171,255 |
| Highest Applicant Income | $2,500,000 |
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records Guidance Residential, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 434 | $ 156,410,000 | $ 360,391 | $ 181,000 |
| Dallas-Plano-Irving, TX | 273 | $ 116,025,000 | $ 425,000 | $ 199,000 |
| Outside any metro area | 243 | $ 71,985,000 | $ 296,234 | $ 114,592 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 219 | $ 78,005,000 | $ 356,187 | $ 141,000 |
| Houston-The Woodlands-Sugar Land, TX | 189 | $ 69,875,000 | $ 369,708 | $ 192,000 |
| New York-Jersey City-White Plains, NY-NJ | 148 | $ 81,740,000 | $ 552,297 | $ 170,574 |
| Arlington-Alexandria-Reston, VA-WV | 135 | $ 66,195,000 | $ 490,333 | $ 204,762 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 108 | $ 21,080,000 | $ 195,185 | $ 84,000 |
| Detroit-Dearborn-Livonia, MI | 107 | $ 24,165,000 | $ 225,841 | $ 111,000 |
| Lakewood-New Brunswick, NJ | 107 | $ 52,665,000 | $ 492,196 | $ 195,000 |
| Seattle-Bellevue-Everett, WA | 105 | $ 62,985,000 | $ 599,857 | $ 197,000 |
| Nassau County-Suffolk County, NY | 101 | $ 57,905,000 | $ 573,316 | $ 197,000 |
| Atlanta-Sandy Springs-Roswell, GA | 100 | $ 38,090,000 | $ 380,900 | $ 174,000 |
| Warren-Troy-Farmington Hills, MI | 100 | $ 28,440,000 | $ 284,400 | $ 128,000 |
| Columbus, OH | 93 | $ 31,075,000 | $ 334,139 | $ 137,000 |
| Baltimore-Columbia-Towson, MD | 75 | $ 28,315,000 | $ 377,533 | $ 169,000 |
| Indianapolis-Carmel-Anderson, IN | 68 | $ 23,500,000 | $ 345,588 | $ 200,000 |
| Austin-Round Rock, TX | 60 | $ 21,690,000 | $ 361,500 | $ 188,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 56 | $ 27,040,000 | $ 482,857 | $ 219,000 |
| Raleigh, NC | 54 | $ 20,500,000 | $ 379,629 | $ 146,000 |
| Cambridge-Newton-Framingham, MA | 52 | $ 27,370,000 | $ 526,346 | $ 244,000 |
| Oakland-Hayward-Berkeley, CA | 43 | $ 30,605,000 | $ 711,744 | $ 234,000 |
| St. Louis, MO-IL | 41 | $ 11,655,000 | $ 284,268 | $ 145,146 |
| Tampa, FL | 41 | $ 14,355,000 | $ 350,121 | $ 176,000 |
| Orlando-Kissimmee-Sanford, FL | 40 | $ 13,590,000 | $ 339,750 | $ 166,000 |
| Everett, WA | 38 | $ 24,710,000 | $ 650,263 | $ 195,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 38 | $ 16,850,000 | $ 443,421 | $ 178,289 |
| Washington, DC-MD | 38 | $ 15,190,000 | $ 399,736 | $ 145,736 |
| Fort Worth-Arlington, TX | 37 | $ 12,915,000 | $ 349,054 | $ 186,000 |
| Phoenix-Mesa-Scottsdale, AZ | 37 | $ 13,545,000 | $ 366,081 | $ 133,000 |
| Hartford-West Hartford-East Hartford, CT | 36 | $ 13,300,000 | $ 369,444 | $ 213,000 |
| Cincinnati, OH-KY-IN | 34 | $ 12,050,000 | $ 354,411 | $ 210,117 |
| Philadelphia, PA | 34 | $ 10,160,000 | $ 298,823 | $ 127,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 31 | $ 11,925,000 | $ 384,677 | $ 185,483 |
| Albany-Schenectady-Troy, NY | 30 | $ 9,380,000 | $ 312,666 | $ 122,000 |
| Cleveland, OH | 30 | $ 7,440,000 | $ 248,000 | $ 161,000 |
| Stockton-Lodi, CA | 30 | $ 14,300,000 | $ 476,666 | $ 164,000 |
| Pittsburgh, PA | 29 | $ 8,955,000 | $ 308,793 | $ 141,000 |
| Washington-Baltimore-Arlington, DC | 29 | $ 16,105,000 | $ 555,344 | $ 235,000 |
| Newark, NJ-PA | 28 | $ 14,760,000 | $ 527,142 | $ 187,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 14,410,000 | $ 514,642 | $ 178,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 9,275,000 | $ 343,518 | $ 126,000 |
| Montgomery County-Bucks County-Chester County, PA | 27 | $ 10,775,000 | $ 399,074 | $ 179,000 |
| Kansas City, MO-KS | 26 | $ 6,890,000 | $ 265,000 | $ 196,884 |
| San Diego-Carlsbad, CA | 26 | $ 21,380,000 | $ 822,307 | $ 249,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 26 | $ 24,800,000 | $ 953,846 | $ 280,000 |
| Wilmington, DE-MD-NJ | 26 | $ 8,600,000 | $ 330,769 | $ 106,153 |
| Camden, NJ | 25 | $ 7,895,000 | $ 315,800 | $ 135,000 |
| Charlotte-Concord-Gastonia, NC-SC | 25 | $ 9,575,000 | $ 383,000 | $ 163,360 |
| Milwaukee-Waukesha-West Allis, WI | 25 | $ 8,495,000 | $ 339,800 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 16,310,000 | $ 679,583 | $ 253,000 |
| Providence-Warwick, RI-MA | 23 | $ 11,665,000 | $ 507,173 | $ 176,304 |
| Tacoma-Lakewood, WA | 23 | $ 10,945,000 | $ 475,869 | $ 158,000 |
| Anaheim-Santa Ana-Irvine, CA | 22 | $ 16,280,000 | $ 740,000 | $ 257,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 7,375,000 | $ 351,190 | $ 144,000 |
| Worcester, MA-CT | 21 | $ 9,845,000 | $ 468,809 | $ 171,000 |
| Marietta, GA | 20 | $ 8,560,000 | $ 428,000 | $ 259,000 |
| Boston, MA | 19 | $ 9,305,000 | $ 489,736 | $ 173,000 |
| New Haven-Milford, CT | 19 | $ 5,735,000 | $ 301,842 | $ 118,000 |
| Binghamton, NY | 17 | $ 3,945,000 | $ 232,058 | $ 125,000 |
| Dayton-Springfield-Kettering, OH | 17 | $ 4,355,000 | $ 256,176 | $ 243,000 |
| Elgin, IL | 17 | $ 5,065,000 | $ 297,941 | $ 121,000 |
| Greensboro-High Point, NC | 17 | $ 4,075,000 | $ 239,705 | $ 115,000 |
| Louisville/Jefferson County, KY-IN | 17 | $ 5,815,000 | $ 342,058 | $ 172,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 6,375,000 | $ 375,000 | $ 136,000 |
| Richmond, VA | 17 | $ 6,755,000 | $ 397,352 | $ 170,000 |
| Madison, WI | 16 | $ 6,410,000 | $ 400,625 | $ 172,000 |
| Memphis, TN-MS-AR | 16 | $ 3,690,000 | $ 230,625 | $ 115,312 |
| Fresno, CA | 15 | $ 7,665,000 | $ 511,000 | $ 198,000 |
| Trenton, NJ | 15 | $ 6,505,000 | $ 433,666 | $ 153,000 |
| Champaign-Urbana, IL | 14 | $ 2,910,000 | $ 207,857 | $ 188,000 |
| Knoxville, TN | 14 | $ 3,090,000 | $ 220,714 | $ 316,000 |
| Rochester, MN | 14 | $ 4,850,000 | $ 346,428 | $ 98,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 14 | $ 5,200,000 | $ 371,428 | $ 187,000 |
| Denver-Aurora-Lakewood, CO | 13 | $ 6,695,000 | $ 515,000 | $ 168,000 |
| Ann Arbor, MI | 12 | $ 4,540,000 | $ 378,333 | $ 133,000 |
| Harrisburg-Carlisle, PA | 12 | $ 3,840,000 | $ 320,000 | $ 182,000 |
| Little Rock-North Little Rock-Conway, AR | 12 | $ 3,350,000 | $ 279,166 | $ 124,000 |
| St. Cloud, MN | 12 | $ 3,410,000 | $ 284,166 | $ 91,000 |
| Syracuse, NY | 12 | $ 1,880,000 | $ 156,666 | $ 111,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 11 | $ 3,815,000 | $ 346,818 | $ 117,000 |
| Rochester, NY | 11 | $ 2,185,000 | $ 198,636 | $ 102,000 |
| Toledo, OH | 11 | $ 4,315,000 | $ 392,272 | $ 231,000 |
| Akron, OH | 10 | $ 2,580,000 | $ 258,000 | $ 127,000 |
| Jacksonville, FL | 10 | $ 3,460,000 | $ 346,000 | $ 239,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 4,760,000 | $ 476,000 | $ 325,000 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 9,200,000 | $ 920,000 | $ 282,000 |
| Fort Wayne, IN | 9 | $ 2,785,000 | $ 309,444 | $ 161,000 |
| Lake County-Porter County-Jasper County, IN | 9 | $ 2,315,000 | $ 257,222 | $ 167,000 |
| Waterbury-Shelton, CT | 9 | $ 2,015,000 | $ 223,888 | $ 119,000 |
| Durham-Chapel Hill, NC | 8 | $ 2,610,000 | $ 326,250 | $ 130,000 |
| Gainesville, FL | 8 | $ 3,420,000 | $ 427,500 | $ 318,000 |
| Peoria, IL | 8 | $ 2,330,000 | $ 291,250 | $ 206,000 |
| San Antonio-New Braunfels, TX | 8 | $ 2,070,000 | $ 258,750 | $ 96,000 |
| Flint, MI | 7 | $ 2,345,000 | $ 335,000 | $ 193,000 |
| Green Bay, WI | 7 | $ 2,185,000 | $ 312,142 | $ 156,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,855,000 | $ 265,000 | $ 89,142 |
| Rockford, IL | 7 | $ 1,475,000 | $ 210,714 | $ 408,000 |
| Springfield, IL | 7 | $ 1,655,000 | $ 236,428 | $ 238,000 |
| Wichita, KS | 7 | $ 1,885,000 | $ 269,285 | $ 327,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 2,300,000 | $ 383,333 | $ 177,000 |
| Birmingham-Hoover, AL | 6 | $ 2,220,000 | $ 370,000 | $ 127,000 |
| Montgomery, AL | 6 | $ 1,330,000 | $ 221,666 | $ 107,000 |
| Salem, OR | 6 | $ 2,270,000 | $ 378,333 | $ 205,000 |
| Springfield, MA | 6 | $ 2,630,000 | $ 438,333 | $ 139,000 |
| St. Petersburg-Clearwater-Largo, FL | 6 | $ 1,830,000 | $ 305,000 | $ 119,000 |
| Warner Robins, GA | 6 | $ 1,570,000 | $ 261,666 | $ 144,000 |
| Lansing-East Lansing, MI | 5 | $ 2,075,000 | $ 415,000 | $ 286,000 |
| Modesto, CA | 5 | $ 1,655,000 | $ 331,000 | $ 110,000 |
| Panama City, FL | 5 | $ 1,555,000 | $ 311,000 | $ 170,000 |
| Staunton-Waynesboro, VA | 5 | $ 1,555,000 | $ 311,000 | $ 109,000 |
| Winston-Salem, NC | 5 | $ 1,925,000 | $ 385,000 | $ 127,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,030,000 | $ 257,500 | $ 122,000 |
| Dover, DE | 4 | $ 2,030,000 | $ 507,500 | $ 262,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,270,000 | $ 317,500 | $ 97,000 |
| Huntsville, AL | 4 | $ 1,350,000 | $ 337,500 | $ 167,000 |
| Johnson City, TN | 4 | $ 2,820,000 | $ 705,000 | $ 372,000 |
| Lexington-Fayette, KY | 4 | $ 1,470,000 | $ 367,500 | $ 151,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,390,000 | $ 347,500 | $ 221,000 |
| Olympia-Tumwater, WA | 4 | $ 1,400,000 | $ 350,000 | $ 110,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,850,000 | $ 462,500 | $ 152,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,480,000 | $ 370,000 | $ 142,000 |
| Bowling Green, KY | 3 | $ 795,000 | $ 265,000 | $ 116,000 |
| Canton-Massillon, OH | 3 | $ 565,000 | $ 188,333 | $ 197,000 |
| Columbia, MO | 3 | $ 1,035,000 | $ 345,000 | $ 443,000 |
| Columbia, SC | 3 | $ 675,000 | $ 225,000 | $ 111,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 615,000 | $ 205,000 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 605,000 | $ 201,666 | $ 67,000 |
| Fargo, ND-MN | 3 | $ 725,000 | $ 241,666 | $ 84,000 |
| Greeley, CO | 3 | $ 1,295,000 | $ 431,666 | $ 148,000 |
| Harrisonburg, VA | 3 | $ 715,000 | $ 238,333 | $ 143,000 |
| Kalamazoo-Portage, MI | 3 | $ 905,000 | $ 301,666 | $ 89,000 |
| Lafayette-West Lafayette, IN | 3 | $ 665,000 | $ 221,666 | $ 113,000 |
| Lubbock, TX | 3 | $ 1,005,000 | $ 335,000 | $ 336,000 |
| Mobile, AL | 3 | $ 505,000 | $ 168,333 | $ 92,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,045,000 | $ 348,333 | $ 114,000 |
| Ocala, FL | 3 | $ 1,015,000 | $ 338,333 | $ 198,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 795,000 | $ 265,000 | $ 165,000 |
| Utica-Rome, NY | 3 | $ 725,000 | $ 241,666 | $ 69,000 |
| Visalia-Porterville, CA | 3 | $ 1,425,000 | $ 475,000 | $ 177,000 |
| Albany, OR | 2 | $ 910,000 | $ 455,000 | $ 315,000 |
| Amarillo, TX | 2 | $ 630,000 | $ 315,000 | $ 368,000 |
| Bakersfield, CA | 2 | $ 880,000 | $ 440,000 | $ 394,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Burlington, NC | 2 | $ 620,000 | $ 310,000 | $ 97,000 |
| Chattanooga, TN-GA | 2 | $ 790,000 | $ 395,000 | $ 105,000 |
| College Station-Bryan, TX | 2 | $ 270,000 | $ 135,000 | $ 159,000 |
| El Paso, TX | 2 | $ 800,000 | $ 400,000 | $ 102,000 |
| Evansville, IN-KY | 2 | $ 410,000 | $ 205,000 | $ 121,000 |
| Greenville, NC | 2 | $ 620,000 | $ 310,000 | $ 230,000 |
| Jackson, MS | 2 | $ 670,000 | $ 335,000 | $ 246,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 940,000 | $ 470,000 | $ 220,000 |
| Lakeland-Winter Haven, FL | 2 | $ 430,000 | $ 215,000 | $ 77,000 |
| Lancaster, PA | 2 | $ 800,000 | $ 400,000 | $ 89,000 |
| Merced, CA | 2 | $ 570,000 | $ 285,000 | $ 384,000 |
| Pittsfield, MA | 2 | $ 290,000 | $ 145,000 | $ 418,000 |
| Reading, PA | 2 | $ 610,000 | $ 305,000 | $ 107,000 |
| Savannah, GA | 2 | $ 820,000 | $ 410,000 | $ 175,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 720,000 | $ 360,000 | $ 236,000 |
| Tucson, AZ | 2 | $ 740,000 | $ 370,000 | $ 227,000 |
| Tyler, TX | 2 | $ 880,000 | $ 440,000 | $ 215,000 |
| Waco, TX | 2 | $ 1,150,000 | $ 575,000 | $ 327,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 650,000 | $ 325,000 | $ 173,000 |
| Abilene, TX | 1 | $ 585,000 | $ 585,000 | $ 240,000 |
| Appleton, WI | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Asheville, NC | 1 | $ 525,000 | $ 525,000 | $ 435,000 |
| Athens-Clarke County, GA | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Beaumont-Port Arthur, TX | 1 | $ 405,000 | $ 405,000 | $ 234,000 |
| Beckley, WV | 1 | $ 615,000 | $ 615,000 | $ 494,000 |
| Bloomington, IL | 1 | $ 505,000 | $ 505,000 | $ 650,000 |
| Bloomington, IN | 1 | $ 245,000 | $ 245,000 | $ 255,000 |
| Cape Girardeau, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Charleston-North Charleston, SC | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Charlottesville, VA | 1 | $ 225,000 | $ 225,000 | $ 47,000 |
| Columbus, IN | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Corvallis, OR | 1 | $ 335,000 | $ 335,000 | $ 65,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 205,000 | $ 205,000 | $ 218,000 |
| Eugene, OR | 1 | $ 535,000 | $ 535,000 | $ 400,000 |
| Fayetteville, NC | 1 | $ 395,000 | $ 395,000 | $ 282,000 |
| Florence-Muscle Shoals, AL | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Fort Smith, AR-OK | 1 | $ 285,000 | $ 285,000 | $ 350,000 |
| Gainesville, GA | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 445,000 | $ 445,000 | $ 369,000 |
| Kingston, NY | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Kokomo, IN | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Lima, OH | 1 | $ 705,000 | $ 705,000 | $ 425,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 405,000 | $ 405,000 | $ 385,000 |
| Midland, MI | 1 | $ 275,000 | $ 275,000 | $ 142,000 |
| Midland, TX | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Morgantown, WV | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Norwich-New London, CT | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Port St. Lucie, FL | 1 | $ 715,000 | $ 715,000 | $ 127,000 |
| Rome, GA | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Salisbury, MD-DE | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Santa Rosa, CA | 1 | $ 475,000 | $ 475,000 | $ 227,000 |
| Sherman-Denison, TX | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Spartanburg, SC | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Spokane-Spokane Valley, WA | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Springfield, MO | 1 | $ 545,000 | $ 545,000 | $ 281,000 |
| Tallahassee, FL | 1 | $ 485,000 | $ 485,000 | $ 167,000 |
| Terre Haute, IN | 1 | $ 505,000 | $ 505,000 | $ 455,000 |
| Texarkana, TX-AR | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Vallejo-Fairfield, CA | 1 | $ 375,000 | $ 375,000 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 85,000 | $ 85,000 | $ 198,000 |
| Wausau, WI | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Williamsport, PA | 1 | $ 245,000 | $ 245,000 | $ 345,000 |
| Winchester, VA-WV | 1 | $ 395,000 | $ 395,000 | $ 173,000 |
| Yuba City, CA | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, LLC in 2025
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 | 3,654 | $1,449,420,000 | $396,000 | $1,465,000 | $169,000 | $2,500,000 |
| Refinancing | 681 | $279,665,000 | $410,000 | $1,545,000 | $184,000 | $1,509,000 |
| Cash-out Refinancing | 348 | $112,160,000 | $322,000 | $1,155,000 | $170,000 | $930,000 |
| 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 | 1,866 | $749,170,000 | $401,000 | $1,465,000 | $176,000 | $2,134,000 |
| Not Provided | 1,209 | $499,475,000 | $413,000 | $1,545,000 | $178,000 | $2,500,000 |
| White | 1,022 | $388,640,000 | $380,000 | $1,205,000 | $175,000 | $1,509,000 |
| Black or African American | 572 | $199,780,000 | $349,000 | $1,165,000 | $136,000 | $2,329,000 |
| Hispanic | 12 | $3,750,000 | $312,000 | $695,000 | $147,000 | $625,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $430,000 | $215,000 | $365,000 | $125,000 | $179,000 |
| 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) | 4,683 | $1,841,245,000 | $393,000 | $1,545,000 | $171,000 | $2,500,000 |
| 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 | 2,872 | $1,158,290,000 | $403,000 | $1,205,000 | $178,000 | $2,500,000 |
| File Closed For Incompleteness | 544 | $210,210,000 | $386,000 | $1,205,000 | $183,000 | $1,765,000 |
| Application Withdrawn By Applicant | 499 | $193,725,000 | $388,000 | $1,545,000 | $165,000 | $636,000 |
| Preapproval Denied by Financial Institution | 313 | $102,745,000 | $328,000 | $1,205,000 | $115,000 | $625,000 |
| Application Approved But Not Accepted | 202 | $80,780,000 | $399,000 | $1,265,000 | $161,000 | $972,000 |
| Preapproval Approved but not Accepted | 155 | $64,205,000 | $414,000 | $1,205,000 | $176,000 | $750,000 |
| Application Denied By Financial Institution | 98 | $31,290,000 | $319,000 | $805,000 | $141,000 | $723,000 |
| 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 | 4,272 | $1,707,210,000 | $399,000 | $1,545,000 | $176,000 | $2,500,000 |
| Collateral | 86 | $28,980,000 | $336,000 | $1,205,000 | $115,000 | $723,000 |
| Unverifiable Information | 82 | $31,870,000 | $388,000 | $1,205,000 | $135,000 | $632,000 |
| Mortgage Insurance Denied | 62 | $16,220,000 | $261,000 | $575,000 | $109,000 | $625,000 |
| Credit History | 61 | $17,415,000 | $285,000 | $955,000 | $114,000 | $348,000 |
| Employment History | 48 | $13,380,000 | $278,000 | $805,000 | $120,000 | $338,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $8,560,000 | $356,000 | $855,000 | $104,000 | $241,000 |
| Debt-To-Income Ratio | 24 | $8,070,000 | $336,000 | $805,000 | $119,000 | $504,000 |
| Other | 19 | $7,875,000 | $414,000 | $805,000 | $179,000 | $616,000 |
| Credit Application Incomplete | 5 | $1,665,000 | $333,000 | $635,000 | $119,000 | $180,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, LLC's 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About