Guidance Residential, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Guidance Residential, LLC of Reston, VA reported 3,395 mortgage applications totaling $910.4 million, down 1% from 2017. The average application was for $268,169, and applicants reported an average income of $110,048. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (318), Houston-The Woodlands-Sugar Land, TX (218) and Chicago-Naperville-Arlington Heights, IL (205) (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 | 3,395 |
| Total Mortgage Loan Application Amount | $910,435,000 |
| Average Mortgage Loan Application Amount | $268,169 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $110,048 |
| Highest Applicant Income | $1,857,000 |
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records Guidance Residential, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 318 | $ 120,940,000 | $ 380,314 | $ 114,613 |
| Houston-The Woodlands-Sugar Land, TX | 218 | $ 50,320,000 | $ 230,825 | $ 120,000 |
| Chicago-Naperville-Arlington Heights, IL | 205 | $ 49,235,000 | $ 240,170 | $ 120,000 |
| Atlanta-Sandy Springs-Roswell, GA | 179 | $ 37,945,000 | $ 211,983 | $ 95,000 |
| Seattle-Bellevue-Everett, WA | 161 | $ 63,235,000 | $ 392,763 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 156 | $ 52,240,000 | $ 334,871 | $ 121,025 |
| Dallas-Plano-Irving, TX | 152 | $ 44,220,000 | $ 290,921 | $ 129,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 114 | $ 27,300,000 | $ 239,473 | $ 77,000 |
| Nassau County-Suffolk County, NY | 89 | $ 31,825,000 | $ 357,584 | $ 126,000 |
| Columbus, OH | 81 | $ 14,145,000 | $ 174,629 | $ 76,000 |
| Tampa-St. Petersburg-Clearwater, FL | 74 | $ 16,570,000 | $ 223,918 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 68 | $ 13,780,000 | $ 202,647 | $ 84,000 |
| Orlando-Kissimmee-Sanford, FL | 65 | $ 14,895,000 | $ 229,153 | $ 128,000 |
| Raleigh, NC | 65 | $ 17,065,000 | $ 262,538 | $ 105,000 |
| Cambridge-Newton-Framingham, MA | 63 | $ 20,075,000 | $ 318,650 | $ 100,000 |
| Detroit-Dearborn-Livonia, MI | 54 | $ 8,280,000 | $ 153,333 | $ 80,000 |
| Baltimore-Columbia-Towson, MD | 50 | $ 11,230,000 | $ 224,600 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 43 | $ 10,275,000 | $ 238,953 | $ 107,000 |
| Newark, NJ-PA | 41 | $ 14,075,000 | $ 343,292 | $ 131,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 37 | $ 12,625,000 | $ 341,216 | $ 141,000 |
| Charlotte-Concord-Gastonia, NC-SC | 34 | $ 7,600,000 | $ 223,529 | $ 94,882 |
| Camden, NJ | 33 | $ 5,375,000 | $ 162,878 | $ 321,000 |
| Philadelphia, PA | 32 | $ 4,980,000 | $ 155,625 | $ 69,000 |
| Austin-Round Rock, TX | 31 | $ 7,795,000 | $ 251,451 | $ 114,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 31 | $ 4,265,000 | $ 137,580 | $ 62,000 |
| Louisville/Jefferson County, KY-IN | 30 | $ 5,060,000 | $ 168,666 | $ 67,000 |
| Memphis, TN-MS-AR | 30 | $ 6,350,000 | $ 211,666 | $ 131,266 |
| Oakland-Hayward-Berkeley, CA | 30 | $ 12,890,000 | $ 429,666 | $ 159,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 5,975,000 | $ 206,034 | $ 63,000 |
| Silver Spring-Frederick-Rockville, MD | 29 | $ 9,505,000 | $ 327,758 | $ 122,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 6,180,000 | $ 220,714 | $ 109,000 |
| Fort Worth-Arlington, TX | 27 | $ 6,205,000 | $ 229,814 | $ 81,000 |
| Greensboro-High Point, NC | 26 | $ 3,170,000 | $ 121,923 | $ 37,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 26 | $ 8,660,000 | $ 333,076 | $ 112,384 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 9,640,000 | $ 401,666 | $ 131,000 |
| Montgomery County-Bucks County-Chester County, PA | 24 | $ 6,450,000 | $ 268,750 | $ 117,000 |
| Worcester, MA-CT | 24 | $ 6,650,000 | $ 277,083 | $ 111,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 22 | $ 5,080,000 | $ 230,909 | $ 133,818 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 6,600,000 | $ 300,000 | $ 114,000 |
| Richmond, VA | 21 | $ 4,135,000 | $ 196,904 | $ 80,000 |
| Boston, MA | 20 | $ 6,930,000 | $ 346,500 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 3,980,000 | $ 199,000 | $ 79,000 |
| Wilmington, DE-MD-NJ | 20 | $ 4,350,000 | $ 217,500 | $ 88,000 |
| Providence-Warwick, RI-MA | 18 | $ 4,140,000 | $ 230,000 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 4,135,000 | $ 243,235 | $ 200,000 |
| New Haven-Milford, CT | 17 | $ 3,175,000 | $ 186,764 | $ 92,000 |
| Cincinnati, OH-KY-IN | 16 | $ 3,030,000 | $ 189,375 | $ 84,000 |
| Stockton-Lodi, CA | 16 | $ 4,680,000 | $ 292,500 | $ 110,000 |
| Kansas City, MO-KS | 15 | $ 4,495,000 | $ 299,666 | $ 163,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 8,515,000 | $ 567,666 | $ 153,000 |
| Albany-Schenectady-Troy, NY | 13 | $ 3,375,000 | $ 259,615 | $ 121,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 5,075,000 | $ 390,384 | $ 129,000 |
| Harrisburg-Carlisle, PA | 13 | $ 3,385,000 | $ 260,384 | $ 110,000 |
| Trenton, NJ | 13 | $ 2,955,000 | $ 227,307 | $ 133,000 |
| Outside any metro area | 12 | $ 2,220,000 | $ 185,000 | $ 100,416 |
| Augusta-Richmond County, GA-SC | 11 | $ 1,985,000 | $ 180,454 | $ 109,818 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 3,115,000 | $ 283,181 | $ 87,000 |
| Pittsburgh, PA | 11 | $ 2,765,000 | $ 251,363 | $ 146,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 3,610,000 | $ 361,000 | $ 109,000 |
| St. Cloud, MN | 10 | $ 1,430,000 | $ 143,000 | $ 45,000 |
| Durham-Chapel Hill, NC | 9 | $ 1,945,000 | $ 216,111 | $ 178,000 |
| Fresno, CA | 9 | $ 2,805,000 | $ 311,666 | $ 111,000 |
| Rochester, MN | 9 | $ 2,155,000 | $ 239,444 | $ 142,000 |
| Birmingham-Hoover, AL | 8 | $ 1,640,000 | $ 205,000 | $ 69,000 |
| Cleveland-Elyria, OH | 8 | $ 1,170,000 | $ 146,250 | $ 139,000 |
| Dayton, OH | 8 | $ 1,430,000 | $ 178,750 | $ 74,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 2,250,000 | $ 281,250 | $ 97,000 |
| Flint, MI | 7 | $ 1,395,000 | $ 199,285 | $ 205,000 |
| Jacksonville, FL | 7 | $ 805,000 | $ 115,000 | $ 196,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,255,000 | $ 179,285 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,365,000 | $ 195,000 | $ 93,000 |
| San Diego-Carlsbad, CA | 7 | $ 3,595,000 | $ 513,571 | $ 145,000 |
| Tacoma-Lakewood, WA | 7 | $ 2,545,000 | $ 363,571 | $ 90,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 1,435,000 | $ 205,000 | $ 85,000 |
| Wichita, KS | 6 | $ 1,070,000 | $ 178,333 | $ 71,000 |
| Madison, WI | 5 | $ 1,235,000 | $ 247,000 | $ 88,000 |
| San Antonio-New Braunfels, TX | 5 | $ 725,000 | $ 145,000 | $ 137,000 |
| Ann Arbor, MI | 4 | $ 900,000 | $ 225,000 | $ 83,000 |
| Chattanooga, TN-GA | 4 | $ 710,000 | $ 177,500 | $ 91,000 |
| Dothan, AL | 4 | $ 630,000 | $ 157,500 | $ 104,000 |
| Elgin, IL | 4 | $ 960,000 | $ 240,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 1,160,000 | $ 290,000 | $ 124,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 570,000 | $ 142,500 | $ 61,000 |
| Olympia-Tumwater, WA | 4 | $ 1,290,000 | $ 322,500 | $ 77,000 |
| Panama City, FL | 4 | $ 770,000 | $ 192,500 | $ 127,000 |
| Rockford, IL | 4 | $ 670,000 | $ 167,500 | $ 118,000 |
| Springfield, IL | 4 | $ 890,000 | $ 222,500 | $ 113,000 |
| Syracuse, NY | 4 | $ 730,000 | $ 182,500 | $ 129,000 |
| Tallahassee, FL | 4 | $ 560,000 | $ 140,000 | $ 47,000 |
| Toledo, OH | 4 | $ 1,080,000 | $ 270,000 | $ 341,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 465,000 | $ 155,000 | $ 64,000 |
| Champaign-Urbana, IL | 3 | $ 455,000 | $ 151,666 | $ 180,000 |
| Columbia, SC | 3 | $ 805,000 | $ 268,333 | $ 84,000 |
| El Paso, TX | 3 | $ 465,000 | $ 155,000 | $ 85,000 |
| Harrisonburg, VA | 3 | $ 445,000 | $ 148,333 | $ 53,000 |
| Huntsville, AL | 3 | $ 485,000 | $ 161,666 | $ 96,000 |
| Kennewick-Richland, WA | 3 | $ 625,000 | $ 208,333 | $ 80,000 |
| Lansing-East Lansing, MI | 3 | $ 545,000 | $ 181,666 | $ 97,000 |
| Merced, CA | 3 | $ 655,000 | $ 218,333 | $ 158,000 |
| Modesto, CA | 3 | $ 1,005,000 | $ 335,000 | $ 87,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 705,000 | $ 235,000 | $ 134,000 |
| Rochester, NY | 3 | $ 495,000 | $ 165,000 | $ 72,000 |
| San Angelo, TX | 3 | $ 395,000 | $ 131,666 | $ 78,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,355,000 | $ 451,666 | $ 162,000 |
| Springfield, MA | 3 | $ 535,000 | $ 178,333 | $ 66,000 |
| Tucson, AZ | 3 | $ 585,000 | $ 195,000 | $ 89,000 |
| Bakersfield, CA | 2 | $ 610,000 | $ 305,000 | $ 164,000 |
| Bowling Green, KY | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Charleston-North Charleston, SC | 2 | $ 400,000 | $ 200,000 | $ 73,000 |
| College Station-Bryan, TX | 2 | $ 450,000 | $ 225,000 | $ 58,000 |
| Corpus Christi, TX | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Dutchess County-Putnam County, NY | 2 | $ 670,000 | $ 335,000 | $ 236,000 |
| Eugene, OR | 2 | $ 650,000 | $ 325,000 | $ 164,000 |
| Fayetteville, NC | 2 | $ 240,000 | $ 120,000 | $ 61,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 580,000 | $ 290,000 | $ 187,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 430,000 | $ 215,000 | $ 71,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 230,000 | $ 115,000 | $ 73,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 500,000 | $ 250,000 | $ 69,000 |
| Killeen-Temple, TX | 2 | $ 210,000 | $ 105,000 | $ 116,000 |
| Knoxville, TN | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 360,000 | $ 180,000 | $ 91,000 |
| Lexington-Fayette, KY | 2 | $ 420,000 | $ 210,000 | $ 164,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,250,000 | $ 625,000 | $ 145,000 |
| Peoria, IL | 2 | $ 560,000 | $ 280,000 | $ 161,000 |
| Rocky Mount, NC | 2 | $ 230,000 | $ 115,000 | $ 13,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
| Vallejo-Fairfield, CA | 2 | $ 510,000 | $ 255,000 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 530,000 | $ 265,000 | $ 153,000 |
| Winston-Salem, NC | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| York-Hanover, PA | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Akron, OH | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Auburn-Opelika, AL | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Bellingham, WA | 1 | $ 95,000 | $ 95,000 | $ 218,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Boulder, CO | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
| Bremerton-Silverdale, WA | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Brownsville-Harlingen, TX | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Canton-Massillon, OH | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Charlottesville, VA | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Colorado Springs, CO | 1 | $ 245,000 | $ 245,000 | $ 44,000 |
| Columbus, GA-AL | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Dalton, GA | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Decatur, IL | 1 | $ 285,000 | $ 285,000 | $ 178,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Fargo, ND-MN | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Gainesville, FL | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Greenville, NC | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Kingston, NY | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Lancaster, PA | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Lima, OH | 1 | $ 425,000 | $ 425,000 | $ 132,000 |
| Macon-Bibb County, GA | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Montgomery, AL | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| New Bern, NC | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Norwich-New London, CT | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Ocala, FL | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Punta Gorda, FL | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Reading, PA | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Roanoke, VA | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Saginaw, MI | 1 | $ 235,000 | $ 235,000 | $ 350,000 |
| Salinas, CA | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Salisbury, MD-DE | 1 | $ 215,000 | $ 215,000 | $ 213,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 455,000 | $ 455,000 | $ 127,000 |
| Santa Rosa, CA | 1 | $ 455,000 | $ 455,000 | $ 28,000 |
| Sebastian-Vero Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Spartanburg, SC | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| St. Louis, MO-IL | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Tyler, TX | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Utica-Rome, NY | 1 | $ 175,000 | $ 175,000 | $ 510,000 |
| Visalia-Porterville, CA | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Waco, TX | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Winchester, VA-WV | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Yuba City, CA | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Yuma, AZ | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, LLC in 2018
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 | 2,782 | $760,540,000 | $273,000 | $975,000 | $110,000 | $1,857,000 |
| Refinancing | 381 | $91,125,000 | $239,000 | $675,000 | $108,000 | $1,700,000 |
| Cash-out Refinancing | 232 | $58,770,000 | $253,000 | $875,000 | $114,000 | $691,000 |
| 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 | 1,684 | $466,950,000 | $277,000 | $875,000 | $120,000 | $1,700,000 |
| White | 1,034 | $268,750,000 | $259,000 | $975,000 | $107,000 | $1,857,000 |
| Black or African American | 469 | $113,035,000 | $241,000 | $655,000 | $76,000 | $400,000 |
| Not Provided | 156 | $48,530,000 | $311,000 | $675,000 | $114,000 | $331,000 |
| Hispanic | 18 | $4,730,000 | $262,000 | $625,000 | $109,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $720,000 | $180,000 | $455,000 | $534,000 | $661,000 |
| 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) | 3,395 | $910,435,000 | $268,000 | $975,000 | $110,000 | $1,857,000 |
| 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 | 2,197 | $598,105,000 | $272,000 | $975,000 | $112,000 | $1,857,000 |
| Application Withdrawn By Applicant | 322 | $87,570,000 | $271,000 | $875,000 | $114,000 | $720,000 |
| Application Denied By Financial Institution | 275 | $65,095,000 | $236,000 | $695,000 | $95,000 | $1,700,000 |
| Application Approved But Not Accepted | 251 | $67,665,000 | $269,000 | $695,000 | $112,000 | $911,000 |
| File Closed For Incompleteness | 212 | $52,880,000 | $249,000 | $875,000 | $111,000 | $1,375,000 |
| Preapproval Approved but not Accepted | 116 | $33,520,000 | $288,000 | $585,000 | $107,000 | $1,033,000 |
| Preapproval Denied by Financial Institution | 22 | $5,600,000 | $254,000 | $515,000 | $75,000 | $261,000 |
| 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 | 3,098 | $839,740,000 | $271,000 | $975,000 | $112,000 | $1,857,000 |
| Debt-To-Income Ratio | 97 | $21,605,000 | $222,000 | $635,000 | $56,000 | $331,000 |
| Credit History | 53 | $14,895,000 | $281,000 | $655,000 | $109,000 | $342,000 |
| Collateral | 52 | $11,640,000 | $223,000 | $635,000 | $141,000 | $1,700,000 |
| Mortgage Insurance Denied | 31 | $7,245,000 | $233,000 | $525,000 | $109,000 | $432,000 |
| Unverifiable Information | 25 | $6,575,000 | $263,000 | $695,000 | $81,000 | $243,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,520,000 | $251,000 | $585,000 | $113,000 | $671,000 |
| Employment History | 17 | $3,425,000 | $201,000 | $395,000 | $95,000 | $320,000 |
| Other | 3 | $545,000 | $181,000 | $335,000 | $78,000 | $127,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $43,000 | $43,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, LLC's 2018 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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