# GUIDANCE RESIDENTIAL, LLC

> **Canonical URL:** https://saferate.com/lenders/guidance-residential


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GUIDANCE RESIDENTIAL, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 34 states, with 1,961 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300RD5IG88VPO6P22
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, NC, NJ, NY, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.617%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,991
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,961
- **Dollar Volume:** $757 million
- **Applications Received:** 3,107
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $386,178
- **Average Borrower Income:** $175,928
- **Average Property Value:** $531,828

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 1,961 | +0.617% | $2,991 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,771 loans, Score: 63/100 (Strong)
- Refinance: 190 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 1,771 | $696M | +0.623% | Strong 😀 |
| Refinance | 55/100 | 190 | $61M | +0.560% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 252 | 0.07% | 65/100 |
| IL | 245 | 0.20% | 71/100 |
| NY | 155 | 0.14% | 65/100 |
| CA | 137 | 0.05% | 58/100 |
| NJ | 125 | 0.15% | 66/100 |
| MI | 99 | 0.09% | 59/100 |
| FL | 91 | 0.03% | 53/100 |
| OH | 78 | 0.06% | 56/100 |
| WA | 70 | 0.08% | 58/100 |
| MD | 61 | 0.09% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 211 | 71/100 |
| Dallas | TX | 120 | 65/100 |
| Houston | TX | 87 | 60/100 |
| New York | NY-NJ | 71 | 60/100 |
| Lakewood | NJ | 61 | 62/100 |
| Minneapolis | MN-WI | 47 | 54/100 |
| Arlington | VA-WV | 44 | 55/100 |
| Warren | MI | 43 | 55/100 |
| Seattle | WA | 41 | 56/100 |
| Detroit | MI | 39 | 56/100 |
| Baltimore | MD | 37 | 53/100 |
| Buffalo | NY | 35 | 54/100 |
| Tampa, FL | FL | 34 | 52/100 |
| Atlanta | GA | 31 | 49/100 |
| Nassau County | NY | 30 | 52/100 |

## Frequently Asked Questions

### What loan types does GUIDANCE RESIDENTIAL, LLC offer?

GUIDANCE RESIDENTIAL, LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GUIDANCE RESIDENTIAL, LLC offer mortgages?

GUIDANCE RESIDENTIAL, LLC offers mortgages in 34 states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, NC, NJ, NY, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV.

### How competitive are GUIDANCE RESIDENTIAL, LLC's mortgage rates?

GUIDANCE RESIDENTIAL, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.617% above market average.

### What type of lender is GUIDANCE RESIDENTIAL, LLC?

GUIDANCE RESIDENTIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is GUIDANCE RESIDENTIAL, LLC's loan approval success rate?

GUIDANCE RESIDENTIAL, LLC has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guidance-residential

### How to Cite

> "GUIDANCE RESIDENTIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guidance-residential

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