Lender profile · HMDA 2023–2025
Guidance Residential, LLC mortgage approval rates & lending data
Guidance Residential, LLC decided 6,813 mortgage applications and funded 6,090 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 4,928 / 5,053 | 96% | $365K | 4,726 |
| Cash-out refinance | 80% | 290 / 362 | 78% | $275K | 225 |
| Refinance | 95% | 501 / 528 | 80% | $365K | 401 |
| Investment property purchase | 94% | 673 / 719 | 95% | $225K | 637 |
| Investment cash-out refinance | 82% | 85 / 104 | 78% | $215K | 66 |
| Investment refinance | 91% | 43 / 47 | 81% | $195K | 35 |
Guidance Residential, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 97% | $365K | 901 | 828 |
| Illinois | 95% | $345K | 810 | 725 |
| New York | 94% | $525K | 638 | 548 |
| California | 97% | $595K | 435 | 391 |
| New Jersey | 96% | $475K | 432 | 379 |
| Michigan | 95% | $235K | 328 | 286 |
| Florida | 92% | $375K | 302 | 254 |
| Minnesota | 96% | $335K | 295 | 273 |
| Ohio | 95% | $305K | 287 | 249 |
| Washington | 97% | $605K | 263 | 235 |
| Pennsylvania | 95% | $305K | 248 | 222 |
| Virginia | 98% | $495K | 227 | 216 |
| Massachusetts | 96% | $525K | 205 | 183 |
| North Carolina | 93% | $365K | 200 | 177 |
| Maryland | 95% | $445K | 189 | 169 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.