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GUIDANCE RESIDENTIAL, LLC
Independent Mortgage Company|WILMINGTON, DE|Near-National
Loans Originated
1,961
Applications
3,107
Volume
$757 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.617%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,991
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 62 basis points above market average
Report Card
GUIDANCE RESIDENTIAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$386,178
Average Borrower Income
$175,928
Average Property Value
$531,828
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Acceptable | 1,961 | 100.0% | +0.617% | $2,991 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Acceptable | 1,771 | 90.3% | +0.623% | $2,989 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 190 | 9.7% | +0.560% | $3,010 |
Geographic Coverage
Metro Areas
49
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAILINKSKYMAMDMIMNMOMSNCNJNYOHORPARISCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 211Mix: 10.76%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 120Mix: 6.12%
Place Specialization
Strong
3
Lakewood, NJMSA
Volume: 61Mix: 3.11%
Place Specialization
Strong
4
Houston, TXMSA
Volume: 87Mix: 4.44%
Place Specialization
Strong
5
New York, NY-NJMSA
Volume: 71Mix: 3.62%
Place Specialization
Sound
6
Seattle, WAMSA
Volume: 41Mix: 2.09%
Place Specialization
Sound
7
Detroit, MIMSA
Volume: 39Mix: 1.99%
Place Specialization
Sound
8
Arlington, VA-WVMSA
Volume: 44Mix: 2.24%
Place Specialization
Sound
9
Warren, MIMSA
Volume: 43Mix: 2.19%
Place Specialization
Sound
10
Minneapolis, MN-WIMSA
Volume: 47Mix: 2.40%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 245Mix: 12.49%
Place Specialization
Strong
2
NJState
Volume: 125Mix: 6.37%
Place Specialization
Strong
3
TXState
Volume: 252Mix: 12.85%
Place Specialization
Strong
4
NYState
Volume: 155Mix: 7.90%
Place Specialization
Strong
5
MIState
Volume: 99Mix: 5.05%
Place Specialization
Sound
6
WAState
Volume: 70Mix: 3.57%
Place Specialization
Sound
7
CAState
Volume: 137Mix: 6.99%
Place Specialization
Sound
8
MDState
Volume: 61Mix: 3.11%
Place Specialization
Sound
9
OHState
Volume: 78Mix: 3.98%
Place Specialization
Sound
10
MAState
Volume: 59Mix: 3.01%
Place Specialization
Sound
Showing 10 of 28 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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