Guidance Residential, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Guidance Residential, LLC of Reston, VA reported 5,659 mortgage applications totaling $1.6 billion, up 67% from 2018. The average application was for $289,159, and applicants reported an average income of $111,873. 44% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (241), Chicago-Naperville, IL (226) and Seattle-Bellevue-Everett, WA (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 | 5,659 |
| Total Mortgage Loan Application Amount | $1,636,355,000 |
| Average Mortgage Loan Application Amount | $289,159 |
| Highest Mortgage Loan Application Amount | $1,055,000 |
| Average Applicant Income | $111,873 |
| Highest Applicant Income | $2,289,000 |
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records Guidance Residential, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 241 | $ 101,215,000 | $ 419,979 | $ 168,975 |
| Chicago-Naperville, IL | 226 | $ 52,650,000 | $ 232,964 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 219 | $ 89,535,000 | $ 408,835 | $ 117,000 |
| Houston-The Woodlands-Sugar Land, TX | 215 | $ 52,315,000 | $ 243,325 | $ 124,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 197 | $ 66,005,000 | $ 335,050 | $ 132,451 |
| Dallas-Plano-Irving, TX | 163 | $ 47,385,000 | $ 290,705 | $ 136,000 |
| Atlanta-Sandy Springs-Roswell, GA | 145 | $ 34,435,000 | $ 237,482 | $ 106,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 120 | $ 31,370,000 | $ 261,416 | $ 74,000 |
| New York-Newark, NY | 103 | $ 32,405,000 | $ 314,611 | $ 120,951 |
| Nassau County-Suffolk County, NY | 93 | $ 36,665,000 | $ 394,247 | $ 146,000 |
| Cambridge-Newton-Framingham, MA | 80 | $ 28,750,000 | $ 359,375 | $ 107,000 |
| Columbus, OH | 76 | $ 15,500,000 | $ 203,947 | $ 155,000 |
| Warren-Troy-Farmington Hills, MI | 74 | $ 13,510,000 | $ 182,567 | $ 71,000 |
| Baltimore-Columbia-Towson, MD | 72 | $ 18,320,000 | $ 254,444 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 68 | $ 15,310,000 | $ 225,147 | $ 121,000 |
| Raleigh, NC | 63 | $ 16,685,000 | $ 264,841 | $ 101,000 |
| Detroit-Dearborn-Livonia, MI | 61 | $ 10,155,000 | $ 166,475 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 55 | $ 13,055,000 | $ 237,363 | $ 134,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 47 | $ 14,835,000 | $ 315,638 | $ 102,468 |
| Washington-Baltimore-Arlington, DC | 45 | $ 17,075,000 | $ 379,444 | $ 117,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 44 | $ 9,990,000 | $ 227,045 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 42 | $ 9,870,000 | $ 235,000 | $ 109,000 |
| Charlotte-Concord-Gastonia, NC-SC | 38 | $ 8,140,000 | $ 214,210 | $ 92,368 |
| Oakland-Hayward-Berkeley, CA | 38 | $ 18,910,000 | $ 497,631 | $ 147,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 37 | $ 4,915,000 | $ 132,837 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 35 | $ 6,205,000 | $ 177,285 | $ 69,371 |
| Sacramento--Roseville--Arden-Arcade, CA | 34 | $ 11,140,000 | $ 327,647 | $ 121,000 |
| Boston, MA | 32 | $ 12,320,000 | $ 385,000 | $ 135,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 32 | $ 7,840,000 | $ 245,000 | $ 96,000 |
| Worcester, MA-CT | 29 | $ 10,595,000 | $ 365,344 | $ 121,000 |
| Greensboro-High Point, NC | 28 | $ 4,620,000 | $ 165,000 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 28 | $ 6,120,000 | $ 218,571 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 28 | $ 6,940,000 | $ 247,857 | $ 153,000 |
| Philadelphia, PA | 28 | $ 3,910,000 | $ 139,642 | $ 82,000 |
| Stockton-Lodi, CA | 28 | $ 7,780,000 | $ 277,857 | $ 162,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 27 | $ 16,285,000 | $ 603,148 | $ 204,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 26 | $ 6,310,000 | $ 242,692 | $ 156,000 |
| Fort Worth-Arlington, TX | 26 | $ 7,050,000 | $ 271,153 | $ 121,000 |
| Austin-Round Rock, TX | 25 | $ 6,765,000 | $ 270,600 | $ 136,000 |
| Providence-Warwick, RI-MA | 24 | $ 6,590,000 | $ 274,583 | $ 102,000 |
| Richmond, VA | 24 | $ 5,620,000 | $ 234,166 | $ 120,000 |
| Outside any metro area | 23 | $ 3,915,000 | $ 170,217 | $ 95,608 |
| Montgomery County-Bucks County-Chester County, PA | 22 | $ 6,540,000 | $ 297,272 | $ 140,000 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 7,910,000 | $ 359,545 | $ 107,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 5,225,000 | $ 248,809 | $ 113,000 |
| Kansas City, MO-KS | 21 | $ 4,905,000 | $ 233,571 | $ 120,190 |
| Newark, NJ-PA | 21 | $ 6,375,000 | $ 303,571 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 9,120,000 | $ 456,000 | $ 154,000 |
| San Diego-Carlsbad, CA | 20 | $ 9,300,000 | $ 465,000 | $ 127,000 |
| Trenton, NJ | 20 | $ 4,570,000 | $ 228,500 | $ 260,000 |
| Cleveland-Elyria, OH | 19 | $ 4,055,000 | $ 213,421 | $ 125,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 5,865,000 | $ 308,684 | $ 102,000 |
| Memphis, TN-MS-AR | 18 | $ 3,270,000 | $ 181,666 | $ 101,222 |
| Camden, NJ | 17 | $ 3,905,000 | $ 229,705 | $ 264,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 4,315,000 | $ 253,823 | $ 111,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 3,640,000 | $ 227,500 | $ 118,000 |
| Anaheim-Santa Ana-Irvine, CA | 16 | $ 8,710,000 | $ 544,375 | $ 199,000 |
| Indianapolis-Carmel-Anderson, IN | 16 | $ 3,350,000 | $ 209,375 | $ 113,000 |
| Springfield, MA | 16 | $ 3,680,000 | $ 230,000 | $ 98,000 |
| Jacksonville, FL | 14 | $ 3,580,000 | $ 255,714 | $ 154,000 |
| Pittsburgh, PA | 14 | $ 3,370,000 | $ 240,714 | $ 99,000 |
| Rochester, MN | 14 | $ 3,110,000 | $ 222,142 | $ 94,000 |
| San Antonio-New Braunfels, TX | 14 | $ 2,760,000 | $ 197,142 | $ 122,000 |
| Tacoma-Lakewood, WA | 14 | $ 4,090,000 | $ 292,142 | $ 89,000 |
| Wilmington, DE-MD-NJ | 13 | $ 2,665,000 | $ 205,000 | $ 78,461 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 1,650,000 | $ 137,500 | $ 224,000 |
| Fresno, CA | 12 | $ 4,360,000 | $ 363,333 | $ 204,000 |
| Greenville-Anderson-Mauldin, SC | 12 | $ 2,310,000 | $ 192,500 | $ 65,000 |
| New Haven-Milford, CT | 12 | $ 2,000,000 | $ 166,666 | $ 84,000 |
| St. Cloud, MN | 12 | $ 2,070,000 | $ 172,500 | $ 42,000 |
| Ann Arbor, MI | 11 | $ 2,765,000 | $ 251,363 | $ 173,000 |
| St. Louis, MO-IL | 11 | $ 2,835,000 | $ 257,727 | $ 155,090 |
| Durham-Chapel Hill, NC | 10 | $ 2,310,000 | $ 231,000 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 2,930,000 | $ 293,000 | $ 193,900 |
| Panama City, FL | 10 | $ 2,810,000 | $ 281,000 | $ 153,000 |
| Birmingham-Hoover, AL | 9 | $ 2,265,000 | $ 251,666 | $ 117,000 |
| Cincinnati, OH-KY-IN | 9 | $ 2,275,000 | $ 252,777 | $ 150,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 2,245,000 | $ 249,444 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,240,000 | $ 155,000 | $ 57,875 |
| Bakersfield, CA | 8 | $ 1,410,000 | $ 176,250 | $ 72,000 |
| Chattanooga, TN-GA | 8 | $ 1,980,000 | $ 247,500 | $ 153,500 |
| Lakeland-Winter Haven, FL | 7 | $ 1,455,000 | $ 207,857 | $ 79,000 |
| Tallahassee, FL | 7 | $ 1,125,000 | $ 160,714 | $ 70,000 |
| Bowling Green, KY | 6 | $ 810,000 | $ 135,000 | $ 45,000 |
| Champaign-Urbana, IL | 6 | $ 590,000 | $ 98,333 | $ 164,000 |
| Flint, MI | 6 | $ 1,270,000 | $ 211,666 | $ 207,000 |
| Gainesville, FL | 6 | $ 1,290,000 | $ 215,000 | $ 105,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,080,000 | $ 180,000 | $ 60,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,340,000 | $ 223,333 | $ 116,000 |
| Rochester, NY | 6 | $ 1,270,000 | $ 211,666 | $ 126,000 |
| Rockford, IL | 6 | $ 960,000 | $ 160,000 | $ 200,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,115,000 | $ 223,000 | $ 86,600 |
| Harrisburg-Carlisle, PA | 5 | $ 1,155,000 | $ 231,000 | $ 85,000 |
| Jackson, MS | 5 | $ 845,000 | $ 169,000 | $ 74,000 |
| Lexington-Fayette, KY | 5 | $ 1,175,000 | $ 235,000 | $ 263,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 3,165,000 | $ 633,000 | $ 179,000 |
| Toledo, OH | 5 | $ 1,255,000 | $ 251,000 | $ 200,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 995,000 | $ 199,000 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 430,000 | $ 107,500 | $ 63,000 |
| Beaumont-Port Arthur, TX | 4 | $ 970,000 | $ 242,500 | $ 243,000 |
| Columbia, SC | 4 | $ 900,000 | $ 225,000 | $ 128,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 1,000,000 | $ 250,000 | $ 72,000 |
| Harrisonburg, VA | 4 | $ 640,000 | $ 160,000 | $ 53,000 |
| Killeen-Temple, TX | 4 | $ 550,000 | $ 137,500 | $ 99,000 |
| Knoxville, TN | 4 | $ 840,000 | $ 210,000 | $ 81,000 |
| Lansing-East Lansing, MI | 4 | $ 640,000 | $ 160,000 | $ 95,000 |
| Madison, WI | 4 | $ 1,200,000 | $ 300,000 | $ 140,000 |
| Norwich-New London, CT | 4 | $ 1,000,000 | $ 250,000 | $ 150,000 |
| Peoria, IL | 4 | $ 620,000 | $ 155,000 | $ 90,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 430,000 | $ 107,500 | $ 129,000 |
| Syracuse, NY | 4 | $ 440,000 | $ 110,000 | $ 59,000 |
| Wichita, KS | 4 | $ 930,000 | $ 232,500 | $ 198,000 |
| Akron, OH | 3 | $ 705,000 | $ 235,000 | $ 65,000 |
| Binghamton, NY | 3 | $ 255,000 | $ 85,000 | $ 72,000 |
| Boulder, CO | 3 | $ 1,195,000 | $ 398,333 | $ 127,000 |
| Charleston-North Charleston, SC | 3 | $ 435,000 | $ 145,000 | $ 57,000 |
| Columbia, MO | 3 | $ 525,000 | $ 175,000 | $ 171,000 |
| Columbus, GA-AL | 3 | $ 1,115,000 | $ 371,666 | $ 209,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,295,000 | $ 431,666 | $ 173,000 |
| Dover, DE | 3 | $ 655,000 | $ 218,333 | $ 63,000 |
| Elgin, IL | 3 | $ 715,000 | $ 238,333 | $ 115,000 |
| Fort Wayne, IN | 3 | $ 1,055,000 | $ 351,666 | $ 234,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 775,000 | $ 258,333 | $ 89,000 |
| Greenville, NC | 3 | $ 725,000 | $ 241,666 | $ 80,000 |
| Jonesboro, AR | 3 | $ 425,000 | $ 141,666 | $ 74,000 |
| Macon-Bibb County, GA | 3 | $ 565,000 | $ 188,333 | $ 97,000 |
| Modesto, CA | 3 | $ 925,000 | $ 308,333 | $ 74,000 |
| Olympia-Tumwater, WA | 3 | $ 735,000 | $ 245,000 | $ 81,000 |
| Punta Gorda, FL | 3 | $ 665,000 | $ 221,666 | $ 148,000 |
| Salinas, CA | 3 | $ 1,065,000 | $ 355,000 | $ 83,000 |
| Tucson, AZ | 3 | $ 775,000 | $ 258,333 | $ 81,000 |
| Winston-Salem, NC | 3 | $ 285,000 | $ 95,000 | $ 56,000 |
| Athens-Clarke County, GA | 2 | $ 310,000 | $ 155,000 | $ 47,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 670,000 | $ 335,000 | $ 142,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 310,000 | $ 155,000 | $ 177,000 |
| Charleston, WV | 2 | $ 540,000 | $ 270,000 | $ 273,000 |
| College Station-Bryan, TX | 2 | $ 600,000 | $ 300,000 | $ 181,000 |
| Colorado Springs, CO | 2 | $ 440,000 | $ 220,000 | $ 68,000 |
| Corvallis, OR | 2 | $ 810,000 | $ 405,000 | $ 500,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 450,000 | $ 225,000 | $ 54,000 |
| East Stroudsburg, PA | 2 | $ 230,000 | $ 115,000 | $ 73,000 |
| Erie, PA | 2 | $ 560,000 | $ 280,000 | $ 205,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 360,000 | $ 180,000 | $ 108,000 |
| Huntsville, AL | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Kalamazoo-Portage, MI | 2 | $ 590,000 | $ 295,000 | $ 140,000 |
| Mobile, AL | 2 | $ 260,000 | $ 130,000 | $ 86,000 |
| Morgantown, WV | 2 | $ 360,000 | $ 180,000 | $ 184,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 580,000 | $ 290,000 | $ 180,000 |
| Rocky Mount, NC | 2 | $ 410,000 | $ 205,000 | $ 73,000 |
| Savannah, GA | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| Springfield, IL | 2 | $ 350,000 | $ 175,000 | $ 215,000 |
| Tyler, TX | 2 | $ 300,000 | $ 150,000 | $ 103,000 |
| Vallejo-Fairfield, CA | 2 | $ 560,000 | $ 280,000 | $ 81,000 |
| Albany, GA | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Battle Creek, MI | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Beckley, WV | 1 | $ 305,000 | $ 305,000 | $ 500,000 |
| Bellingham, WA | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Bloomsburg-Berwick, PA | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Bremerton-Silverdale, WA | 1 | $ 375,000 | $ 375,000 | $ 220,000 |
| Canton-Massillon, OH | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Dothan, AL | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Eugene, OR | 1 | $ 305,000 | $ 305,000 | $ 140,000 |
| Evansville, IN-KY | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Fort Collins, CO | 1 | $ 205,000 | $ 205,000 | $ 673,000 |
| Gary, IN | 1 | $ 65,000 | $ 65,000 | $ 240,000 |
| Goldsboro, NC | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Kennewick-Richland, WA | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Kingston, NY | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Lancaster, PA | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Lawrence, KS | 1 | $ 165,000 | $ 165,000 | $ 262,000 |
| Lewiston, ID-WA | 1 | $ 305,000 | $ 305,000 | $ 151,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Lynchburg, VA | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Mankato-North Mankato, MN | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Medford, OR | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Montgomery, AL | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Niles-Benton Harbor, MI | 1 | $ 405,000 | $ 405,000 | $ 312,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Owensboro, KY | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Port St. Lucie, FL | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| Reading, PA | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Roanoke, VA | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Salisbury, MD-DE | 1 | $ 325,000 | $ 325,000 | $ 220,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 445,000 | $ 445,000 | $ 113,000 |
| Spartanburg, SC | 1 | $ 345,000 | $ 345,000 | $ 114,000 |
| Utica-Rome, NY | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Waco, TX | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Wichita Falls, TX | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Winchester, VA-WV | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Guidance Residential, LLC in 2019
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 | 4,445 | $1,294,735,000 | $291,000 | $1,055,000 | $108,000 | $2,035,000 |
| Refinancing | 928 | $270,570,000 | $291,000 | $895,000 | $127,000 | $2,289,000 |
| Cash-out Refinancing | 286 | $71,050,000 | $248,000 | $725,000 | $123,000 | $901,000 |
| 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 | 2,610 | $791,850,000 | $303,000 | $1,055,000 | $126,000 | $2,289,000 |
| White | 1,749 | $485,235,000 | $277,000 | $895,000 | $110,000 | $2,035,000 |
| Black or African American | 1,059 | $281,975,000 | $266,000 | $715,000 | $78,000 | $600,000 |
| Not Provided | 216 | $70,610,000 | $326,000 | $725,000 | $126,000 | $600,000 |
| Hispanic | 17 | $4,765,000 | $280,000 | $555,000 | $82,000 | $205,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,315,000 | $263,000 | $545,000 | $78,000 | $130,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $95,000 | $95,000 |
| 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) | 5,659 | $1,636,355,000 | $289,000 | $1,055,000 | $112,000 | $2,289,000 |
| 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 | 2,473 | $705,355,000 | $285,000 | $1,055,000 | $123,000 | $2,035,000 |
| File Closed For Incompleteness | 1,657 | $509,345,000 | $307,000 | $805,000 | $100,000 | $921,000 |
| Application Withdrawn By Applicant | 563 | $155,795,000 | $276,000 | $725,000 | $107,000 | $624,000 |
| Application Approved But Not Accepted | 481 | $142,145,000 | $295,000 | $895,000 | $127,000 | $2,289,000 |
| Preapproval Denied by Financial Institution | 271 | $69,135,000 | $255,000 | $805,000 | $75,000 | $530,000 |
| Application Denied By Financial Institution | 214 | $54,580,000 | $255,000 | $755,000 | $109,000 | $1,041,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 5,174 | $1,512,640,000 | $292,000 | $1,055,000 | $114,000 | $2,289,000 |
| Debt-To-Income Ratio | 161 | $40,455,000 | $251,000 | $755,000 | $64,000 | $488,000 |
| Credit History | 125 | $30,015,000 | $240,000 | $805,000 | $95,000 | $934,000 |
| Employment History | 44 | $11,130,000 | $252,000 | $565,000 | $70,000 | $240,000 |
| Collateral | 43 | $9,215,000 | $214,000 | $805,000 | $157,000 | $1,041,000 |
| Unverifiable Information | 40 | $12,090,000 | $302,000 | $725,000 | $105,000 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $11,710,000 | $308,000 | $745,000 | $90,000 | $316,000 |
| Mortgage Insurance Denied | 31 | $8,245,000 | $265,000 | $715,000 | $116,000 | $300,000 |
| Credit Application Incomplete | 3 | $855,000 | $285,000 | $395,000 | $103,000 | $120,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guidance Residential, LLC's 2019 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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