Guidance Residential
We analyzed every closed loan from Guidance Residential — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Near-National · 49 mkts
Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 62 basis points above market average
Explore another lender or local market
Report Card
Guidance Residential performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+61.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,961 | 100.0% | +0.617%Above | $2,991Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,961
Mix100.0%
Spread
+0.617%Above
Fees
$2,991Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,771 | 90.3% | +0.623%Above | $2,989Fees | ||||
Refinance | 190 | 9.7% | +0.560%Above | $3,010Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,771
Mix90.3%
Spread
+0.623%Above
Fees
$2,989Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume190
Mix9.7%
Spread
+0.560%Above
Fees
$3,010Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,961
Applications
3,107
Volume
$757 million
Pricing & Closing
Avg Rate Spread
+0.617%
vs. market APOR
Avg Net Fees
$2,991
Origination − Credits
Pullthrough Rate
63.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$386,178
Avg Borrower Income
$175,928
Avg Property Value
$531,828
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast6
CTMANJNYPARI
Midwest8
ILINKSMIMNMOOHWI
South15
ALARDCDEFLGAKYMDMSNCSCTNTXVAWV
West5
AZCACOORWA
Top Metro Areas by Place Specialization Score
Volume 211Mix 10.76% of portfolio
71/100
Strong
Volume 120Mix 6.12% of portfolio
65/100
Strong
Volume 61Mix 3.11% of portfolio
62/100
Strong
Volume 87Mix 4.44% of portfolio
60/100
Strong
Volume 71Mix 3.62% of portfolio
60/100
Sound
Volume 41Mix 2.09% of portfolio
56/100
Sound
Volume 39Mix 1.99% of portfolio
56/100
Sound
Volume 44Mix 2.24% of portfolio
55/100
Sound
Volume 43Mix 2.19% of portfolio
55/100
Sound
Volume 47Mix 2.40% of portfolio
54/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
IllinoisState
Volume 245Mix 12.49% of portfolio
71/100
Strong2
New JerseyState
Volume 125Mix 6.37% of portfolio
66/100
Strong3
TexasState
Volume 252Mix 12.85% of portfolio
65/100
Strong4
New YorkState
Volume 155Mix 7.90% of portfolio
65/100
Strong5
MichiganState
Volume 99Mix 5.05% of portfolio
59/100
Sound6
WashingtonState
Volume 70Mix 3.57% of portfolio
58/100
Sound7
CaliforniaState
Volume 137Mix 6.99% of portfolio
58/100
Sound8
MarylandState
Volume 61Mix 3.11% of portfolio
56/100
Sound9
OhioState
Volume 78Mix 3.98% of portfolio
56/100
Sound10
MassachusettsState
Volume 59Mix 3.01% of portfolio
56/100
SoundShowing 10 of 28 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.