Lender in Illinois · HMDA 2025
Guidance Residential, LLC mortgages in Illinois
Guidance Residential, LLC's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Guidance Residential, LLC originated 268 owner-occupied single-family loans in Illinois from 299 completed applications.
Its median conventional purchase loan costs were $6,450 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
268
of 299 applications
Denial rate
2.7%
Purchase · IL 9.2%
Rate spread
+0.45 pts
Conv. · IL +0.27 pts
Loan amount
$365,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 220 | 213 | 2.7% | 6.875% | +0.45 pts | $6,450 | $365,000 |
| Refinance | 56 | 41 | 3.6% | 6.625% | +0.19 pts | $4,290 | $335,000 |
| Cash-out refinance | 23 | 14 | 13.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Guidance Residential, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| DuPage County | 25 | 104 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology