Guidance Residential, LLC Mortgage Lending & HMDA Data, 2009
In 2009, Guidance Residential, LLC of Reston, VA reported 3,228 mortgage applications totaling $760.6 million, up 52% from 2008. The average application was for $235,619, and applicants reported an average income of $102,847. 51% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (639), New York-White Plains-Wayne, NY-NJ (211) and Washington-Arlington-Alexandria, DC-VA-MD-WV (153) (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 | 3,228 |
| Total Mortgage Loan Application Amount | $760,580,000 |
| Average Mortgage Loan Application Amount | $235,619 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $102,847 |
| Highest Applicant Income | $1,116,000 |
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records Guidance Residential, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Joliet, IL | 639 | $ 142,220,000 | $ 222,566 | $ 104,000 |
| New York-White Plains-Wayne, NY-NJ | 211 | $ 72,699,000 | $ 344,545 | $ 104,312 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 153 | $ 41,616,000 | $ 272,000 | $ 104,137 |
| Edison-New Brunswick, NJ | 152 | $ 41,957,000 | $ 276,032 | $ 112,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 130 | $ 23,529,000 | $ 180,992 | $ 76,000 |
| Houston-Sugar Land-Baytown, TX | 111 | $ 17,985,000 | $ 162,027 | $ 98,000 |
| Dallas-Plano-Irving, TX | 110 | $ 21,964,000 | $ 199,672 | $ 106,000 |
| Seattle-Bellevue-Everett, WA | 92 | $ 30,192,000 | $ 328,173 | $ 100,000 |
| Nassau-Suffolk, NY | 83 | $ 24,545,000 | $ 295,722 | $ 108,000 |
| Atlanta-Sandy Springs-Marietta, GA | 69 | $ 13,047,000 | $ 189,086 | $ 83,000 |
| Baltimore-Towson, MD | 58 | $ 14,142,000 | $ 243,827 | $ 116,000 |
| Philadelphia, PA | 56 | $ 9,729,000 | $ 173,732 | $ 77,000 |
| Orlando-Kissimmee, FL | 54 | $ 9,696,000 | $ 179,555 | $ 112,000 |
| St. Louis, MO-IL | 52 | $ 11,064,000 | $ 212,769 | $ 117,307 |
| Los Angeles-Long Beach-Glendale, CA | 50 | $ 16,034,000 | $ 320,680 | $ 98,000 |
| Oakland-Fremont-Hayward, CA | 50 | $ 16,161,000 | $ 323,220 | $ 101,000 |
| Detroit-Livonia-Dearborn, MI | 45 | $ 6,654,000 | $ 147,866 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 45 | $ 16,942,000 | $ 376,488 | $ 141,000 |
| Columbus, OH | 36 | $ 5,759,000 | $ 159,972 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 31 | $ 7,587,000 | $ 244,741 | $ 93,000 |
| Fort Worth-Arlington, TX | 31 | $ 5,183,000 | $ 167,193 | $ 81,000 |
| Riverside-San Bernardino-Ontario, CA | 30 | $ 7,929,000 | $ 264,300 | $ 84,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 30 | $ 7,414,000 | $ 247,133 | $ 107,000 |
| Bethesda-Frederick-Rockville, MD | 28 | $ 8,580,000 | $ 306,428 | $ 104,000 |
| Charlotte-Gastonia-Concord, NC-SC | 28 | $ 4,205,000 | $ 150,178 | $ 69,535 |
| Raleigh-Cary, NC | 27 | $ 5,444,000 | $ 201,629 | $ 92,000 |
| New Haven-Milford, CT | 24 | $ 4,758,000 | $ 198,250 | $ 78,000 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 5,025,000 | $ 209,375 | $ 107,000 |
| Austin-Round Rock, TX | 23 | $ 3,998,000 | $ 173,826 | $ 100,000 |
| Boston-Quincy, MA | 23 | $ 5,437,000 | $ 236,391 | $ 74,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 6,187,000 | $ 294,619 | $ 105,000 |
| Cambridge-Newton-Framingham, MA | 21 | $ 5,372,000 | $ 255,809 | $ 89,000 |
| Albany-Schenectady-Troy, NY | 20 | $ 4,206,000 | $ 210,300 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 4,288,000 | $ 214,400 | $ 92,000 |
| Jacksonville, FL | 19 | $ 4,490,000 | $ 236,315 | $ 138,000 |
| Memphis, TN-MS-AR | 19 | $ 4,500,000 | $ 236,842 | $ 136,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 3,774,000 | $ 198,631 | $ 118,000 |
| Stockton, CA | 19 | $ 4,156,000 | $ 218,736 | $ 85,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 3,956,000 | $ 219,777 | $ 97,444 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 5,580,000 | $ 310,000 | $ 107,000 |
| Santa Ana-Anaheim-Irvine, CA | 18 | $ 6,380,000 | $ 354,444 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 3,367,000 | $ 198,058 | $ 166,000 |
| Worcester, MA | 17 | $ 3,754,000 | $ 220,823 | $ 93,000 |
| Newark-Union, NJ-PA | 16 | $ 3,756,000 | $ 234,750 | $ 103,000 |
| Peoria, IL | 16 | $ 2,634,000 | $ 164,625 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 2,445,000 | $ 174,642 | $ 112,000 |
| Camden, NJ | 13 | $ 2,497,000 | $ 192,076 | $ 67,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 2,338,000 | $ 179,846 | $ 101,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,063,000 | $ 171,916 | $ 67,000 |
| Greensboro-High Point, NC | 11 | $ 1,679,000 | $ 152,636 | $ 75,000 |
| Ann Arbor, MI | 10 | $ 2,170,000 | $ 217,000 | $ 155,000 |
| Richmond, VA | 10 | $ 2,078,000 | $ 207,800 | $ 88,000 |
| Champaign-Urbana, IL | 9 | $ 1,208,000 | $ 134,222 | $ 192,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 1,386,000 | $ 154,000 | $ 92,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 2,323,000 | $ 258,111 | $ 140,222 |
| Rockford, IL | 9 | $ 1,735,000 | $ 192,777 | $ 117,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 2,262,000 | $ 282,750 | $ 124,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 1,023,000 | $ 127,875 | $ 83,000 |
| Dayton, OH | 8 | $ 2,040,000 | $ 255,000 | $ 176,000 |
| Indianapolis-Carmel, IN | 8 | $ 1,694,000 | $ 211,750 | $ 149,000 |
| Kansas City, MO-KS | 8 | $ 1,187,000 | $ 148,375 | $ 87,000 |
| Lansing-East Lansing, MI | 8 | $ 1,303,000 | $ 162,875 | $ 72,000 |
| Peabody, MA | 8 | $ 2,096,000 | $ 262,000 | $ 82,000 |
| Trenton-Ewing, NJ | 8 | $ 2,554,000 | $ 319,250 | $ 162,000 |
| Flint, MI | 7 | $ 1,552,000 | $ 221,714 | $ 194,000 |
| Syracuse, NY | 7 | $ 1,130,000 | $ 161,428 | $ 76,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,107,000 | $ 184,500 | $ 56,000 |
| Bradenton-Sarasota-Venice, FL | 6 | $ 824,000 | $ 137,333 | $ 66,000 |
| Ocala, FL | 6 | $ 692,000 | $ 115,333 | $ 99,000 |
| Springfield, MA | 6 | $ 1,280,000 | $ 213,333 | $ 88,000 |
| Columbia, SC | 5 | $ 432,000 | $ 86,400 | $ 60,000 |
| Rochester, MN | 5 | $ 757,000 | $ 151,400 | $ 49,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,365,000 | $ 473,000 | $ 117,000 |
| Athens-Clarke County, GA | 4 | $ 1,233,000 | $ 308,250 | $ 213,000 |
| Columbia, MO | 4 | $ 646,000 | $ 161,500 | $ 64,000 |
| Fresno, CA | 4 | $ 967,000 | $ 241,750 | $ 111,000 |
| Greenville, NC | 4 | $ 1,071,000 | $ 267,750 | $ 130,000 |
| Harrisburg-Carlisle, PA | 4 | $ 760,000 | $ 190,000 | $ 79,000 |
| Pittsburgh, PA | 4 | $ 932,000 | $ 233,000 | $ 133,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 1,057,000 | $ 264,250 | $ 115,000 |
| Rochester, NY | 4 | $ 978,000 | $ 244,500 | $ 102,000 |
| San Antonio, TX | 4 | $ 760,000 | $ 190,000 | $ 186,000 |
| Toledo, OH | 4 | $ 607,000 | $ 151,750 | $ 84,000 |
| Wilmington, NC | 4 | $ 678,000 | $ 169,500 | $ 94,000 |
| Akron, OH | 3 | $ 513,000 | $ 171,000 | $ 47,000 |
| Bloomington-Normal, IL | 3 | $ 593,000 | $ 197,666 | $ 80,000 |
| Florence, SC | 3 | $ 697,000 | $ 232,333 | $ 82,000 |
| Gary, IN | 3 | $ 906,000 | $ 302,000 | $ 189,000 |
| Kalamazoo-Portage, MI | 3 | $ 521,000 | $ 173,666 | $ 134,000 |
| Knoxville, TN | 3 | $ 620,000 | $ 206,666 | $ 155,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 491,000 | $ 163,666 | $ 173,000 |
| Vallejo-Fairfield, CA | 3 | $ 598,000 | $ 199,333 | $ 114,000 |
| Winston-Salem, NC | 3 | $ 467,000 | $ 155,666 | $ 71,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 302,000 | $ 100,666 | $ 81,000 |
| Binghamton, NY | 2 | $ 154,000 | $ 77,000 | $ 94,000 |
| Canton-Massillon, OH | 2 | $ 400,000 | $ 200,000 | $ 89,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 163,000 | $ 81,500 | $ 56,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 310,000 | $ 155,000 | $ 44,000 |
| Durham-Chapel Hill, NC | 2 | $ 184,000 | $ 92,000 | $ 42,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 662,000 | $ 331,000 | $ 375,000 |
| Joplin, MO | 2 | $ 502,000 | $ 251,000 | $ 268,000 |
| Lafayette, IN | 2 | $ 331,000 | $ 165,500 | $ 294,000 |
| Lancaster, PA | 2 | $ 799,000 | $ 399,500 | $ 206,000 |
| Lynchburg, VA | 2 | $ 474,000 | $ 237,000 | $ 145,000 |
| Norwich-New London, CT | 2 | $ 517,000 | $ 258,500 | $ 123,000 |
| Olympia, WA | 2 | $ 531,000 | $ 265,500 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 617,000 | $ 308,500 | $ 69,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 539,000 | $ 269,500 | $ 70,000 |
| Racine, WI | 2 | $ 438,000 | $ 219,000 | $ 60,000 |
| Salisbury, MD | 2 | $ 502,000 | $ 251,000 | $ 211,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 488,000 | $ 244,000 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 610,000 | $ 305,000 | $ 109,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 377,000 | $ 188,500 | $ 75,000 |
| Springfield, IL | 2 | $ 555,000 | $ 277,500 | $ 231,000 |
| Tacoma, WA | 2 | $ 465,000 | $ 232,500 | $ 106,000 |
| Tallahassee, FL | 2 | $ 526,000 | $ 263,000 | $ 111,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 344,000 | $ 172,000 | $ 67,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 590,000 | $ 295,000 | $ 138,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 214,000 | $ 214,000 | $ 98,000 |
| Bakersfield, CA | 1 | $ 362,000 | $ 362,000 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 265,000 | $ 265,000 | $ 154,000 |
| Chico, CA | 1 | $ 238,000 | $ 238,000 | $ 72,000 |
| College Station-Bryan, TX | 1 | $ 236,000 | $ 236,000 | $ 148,000 |
| Columbus, GA-AL | 1 | $ 275,000 | $ 275,000 | $ 311,000 |
| Decatur, IL | 1 | $ 265,000 | $ 265,000 | $ 257,000 |
| Eau Claire, WI | 1 | $ 417,000 | $ 417,000 | $ 450,000 |
| El Paso, TX | 1 | $ 74,000 | $ 74,000 | $ 110,000 |
| Fayetteville, NC | 1 | $ 194,000 | $ 194,000 | $ 52,000 |
| Fort Wayne, IN | 1 | $ 194,000 | $ 194,000 | $ 198,000 |
| Gainesville, FL | 1 | $ 212,000 | $ 212,000 | $ 131,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 49,000 | $ 49,000 | $ 85,000 |
| Holland-Grand Haven, MI | 1 | $ 138,000 | $ 138,000 | $ 91,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 109,000 | $ 109,000 | $ 56,000 |
| Lubbock, TX | 1 | $ 345,000 | $ 345,000 | $ 240,000 |
| Madison, WI | 1 | $ 189,000 | $ 189,000 | $ 85,000 |
| Mankato-North Mankato, MN | 1 | $ 136,000 | $ 136,000 | $ 86,000 |
| Medford, OR | 1 | $ 293,000 | $ 293,000 | $ 191,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 147,000 | $ 147,000 | $ 129,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 133,000 |
| Reading, PA | 1 | $ 211,000 | $ 211,000 | $ 82,000 |
| Salem, OR | 1 | $ 188,000 | $ 188,000 | $ 74,000 |
| Springfield, MO | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
| Visalia-Porterville, CA | 1 | $ 130,000 | $ 130,000 | $ 250,000 |
| Waco, TX | 1 | $ 208,000 | $ 208,000 | $ 47,000 |
| York-Hanover, PA | 1 | $ 182,000 | $ 182,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, LLC in 2009
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 | 1,956 | $483,194,000 | $247,000 | $870,000 | $106,000 | $596,000 |
| Home Purchase | 1,272 | $277,386,000 | $218,000 | $1,000,000 | $98,000 | $1,116,000 |
| Home Improvement | 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 | 2,319 | $565,557,000 | $243,000 | $870,000 | $107,000 | $918,000 |
| White | 662 | $150,613,000 | $227,000 | $1,000,000 | $99,000 | $1,116,000 |
| Black or African American | 210 | $36,070,000 | $171,000 | $599,000 | $66,000 | $300,000 |
| Hispanic | 19 | $3,832,000 | $201,000 | $500,000 | $92,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,227,000 | $247,000 | $474,000 | $120,000 | $252,000 |
| American Indian or Alaskan Native | 5 | $1,353,000 | $270,000 | $626,000 | $77,000 | $198,000 |
| Not Provided | 4 | $928,000 | $232,000 | $309,000 | $86,000 | $131,000 |
| Not applicable | 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) | 3,228 | $760,580,000 | $235,000 | $1,000,000 | $103,000 | $1,116,000 |
| 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 | 1,645 | $389,133,000 | $236,000 | $664,000 | $107,000 | $1,116,000 |
| Application Withdrawn By Applicant | 747 | $180,493,000 | $241,000 | $911,000 | $103,000 | $507,000 |
| Application Approved But Not Accepted | 397 | $94,445,000 | $237,000 | $700,000 | $100,000 | $691,000 |
| File Closed For Incompleteness | 291 | $68,133,000 | $234,000 | $1,000,000 | $98,000 | $538,000 |
| Application Denied By Financial Institution | 113 | $21,304,000 | $188,000 | $600,000 | $73,000 | $285,000 |
| Preapproval Approved but not Accepted | 19 | $5,084,000 | $267,000 | $600,000 | $121,000 | $467,000 |
| Preapproval Denied by Financial Institution | 16 | $1,988,000 | $124,000 | $225,000 | $66,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $4,555,000 | $157,000 | $400,000 | $42,000 | $125,000 |
| Mortgage Insurance Denied | 29 | $4,250,000 | $146,000 | $320,000 | $77,000 | $225,000 |
| Collateral | 24 | $4,841,000 | $201,000 | $410,000 | $88,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,454,000 | $318,000 | $600,000 | $101,000 | $200,000 |
| Credit History | 7 | $1,326,000 | $189,000 | $500,000 | $103,000 | $259,000 |
| Employment History | 7 | $1,315,000 | $187,000 | $330,000 | $67,000 | $200,000 |
| Credit Application Incomplete | 1 | $133,000 | $133,000 | $133,000 | $46,000 | $46,000 |
| Other | 1 | $235,000 | $235,000 | $235,000 | $52,000 | $52,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $48,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, LLC's 2009 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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