GUIDANCE RESIDENTIAL, LLC closing costs and rates (2024)
In 2024, GUIDANCE RESIDENTIAL, LLC originated 1,525 purchase mortgages at a median interest rate of 7.12% and median total closing costs of $6,528. That ranks #272 nationally by origination volume. For total closing costs among lenders with 500+ originations, GUIDANCE RESIDENTIAL, LLC ranks #336. That is $213 below the national median of $6,741. GUIDANCE RESIDENTIAL, LLC is most active in Texas with 203 originations there.
Purchase Originations
1,525
Ranked #272 nationally
Median Total Costs
$6,528
−3.2% vs national ($6,741)
Median Rate
7.125%
+7.6% vs national (6.620%)
Median Origination
$2,814
Median Lender Credits
$200
Cost Rank (500+ vol.)
#336
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,525 | 7.125% | $6,528 | $2,814 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 203 | 7.125% | $7,004 | #196 |
| Illinois | 173 | 7.125% | $7,082 | #108 |
| New York | 130 | 7.000% | $8,372 | #107 |
| California | 105 | 7.125% | $7,479 | #199 |
| New Jersey | 100 | 7.000% | $7,602 | #106 |
| Michigan | 83 | 7.125% | $4,168 | #120 |
| Florida | 66 | 7.125% | $6,364 | #288 |
| Ohio | 66 | 7.000% | $5,110 | #165 |
| Washington | 54 | 7.125% | $8,509 | #137 |
| Massachusetts | 51 | 7.125% | $6,713 | #128 |
| Minnesota | 50 | 7.125% | $5,462 | #117 |
| Virginia | 49 | 7.000% | $5,999 | — |
| North Carolina | 46 | 7.125% | $5,259 | — |
| Pennsylvania | 46 | 6.875% | $6,620 | — |
| Maryland | 44 | 7.125% | $6,137 | — |
| Connecticut | 33 | 7.000% | $6,425 | — |
| Indiana | 32 | 7.125% | $3,355 | — |
| Georgia | 29 | 7.125% | $5,650 | — |
| Tennessee | 27 | 7.125% | $6,135 | — |
| Missouri | 22 | 7.375% | $4,762 | — |
| Oregon | 19 | 7.125% | $7,744 | — |
| Wisconsin | 15 | 7.125% | $3,962 | — |
| Arizona | 13 | 6.625% | $8,198 | — |
| Kentucky | 13 | 7.000% | $5,369 | — |
| Delaware | 11 | 6.875% | $5,796 | — |
| South Carolina | 8 | 6.625% | $5,644 | — |
| Colorado | 7 | 7.125% | $6,042 | — |
| Alabama | 6 | 6.812% | $4,816 | — |
| Rhode Island | 6 | 6.875% | $4,984 | — |
| Arkansas | 5 | 7.375% | $4,282 | — |
| Mississippi | 5 | 7.000% | $5,147 | — |
| Kansas | 4 | 7.312% | $2,954 | — |
| West Virginia | 3 | 6.625% | $6,191 | — |
| District of Columbia | 1 | 7.125% | $5,572 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,062 | 7.125% | — | 32 | −$2,466 | |
| 2 | $4,141 | 7.125% | — | 18 | −$2,387 | |
| 3 | $4,752 | 7.125% | — | 26 | −$1,776 | |
| 4 | $5,074 | 7.125% | — | 18 | −$1,454 | |
| 5 | $5,426 | 7.000% | — | 18 | −$1,102 | |
| 6 | $6,070 | 7.125% | — | 19 | −$458 | |
| 7 | $6,279 | 7.125% | — | 31 | −$249 | |
| 8 | $6,285 | 7.125% | — | 16 | −$243 | |
| 9 | $6,293 | 7.125% | — | 16 | −$235 | |
| 10 | $6,333 | 6.875% | — | 28 | −$195 | |
| 11 | $6,489 | 7.125% | — | 19 | −$39 | |
| 12 | $6,668 | 7.125% | — | 62 | +$140 | |
| 13 | $6,828 | 7.000% | — | 39 | +$300 | |
| 14 | $6,883 | 7.125% | — | 31 | +$355 | |
| 15 | $6,973 | 7.125% | — | 56 | +$445 | |
| 16 | $7,177 | 6.875% | — | 29 | +$649 | |
| 17 | $7,442 | 7.125% | — | 61 | +$914 | |
| 18 | $7,872 | 7.125% | — | 30 | +$1,344 | |
| 19 | $8,754 | 7.125% | — | 32 | +$2,226 | |
| 20 | $10,419 | 7.125% | — | 17 | +$3,891 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.