Lender in New York · HMDA 2025
Guidance Residential, LLC mortgages in New York
Guidance Residential, LLC's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Guidance Residential, LLC originated 208 owner-occupied single-family loans in New York from 233 completed applications.
Its median conventional purchase loan costs were $6,890 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 7.00% (New York: 6.50%).
Loans in NY
208
of 233 applications
Denial rate
3.1%
Purchase · NY 9.5%
Rate spread
+0.43 pts
Conv. · NY +0.07 pts
Loan amount
$435,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 195 | 185 | 3.1% | 7.000% | +0.43 pts | $6,890 | $435,000 |
| Refinance | 15 | 10 | — | — | — | — | — |
| Cash-out refinance | 23 | 13 | 13.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology