Lender in Texas · HMDA 2025
Guidance Residential, LLC mortgages in Texas
Guidance Residential, LLC's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Guidance Residential, LLC originated 342 owner-occupied single-family loans in Texas from 363 completed applications.
Its median conventional purchase loan costs were $6,660 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.875% (Texas: 6.50%).
Loans in TX
342
of 363 applications
Denial rate
2.0%
Purchase · TX 10.2%
Rate spread
+0.31 pts
Conv. · TX +0.09 pts
Loan amount
$375,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 306 | 293 | 2.0% | 6.875% | +0.31 pts | $6,660 | $375,000 |
| Refinance | 57 | 49 | 1.8% | — | +0.11 pts | $4,190 | $355,000 |
| Cash-out refinance | 0 | 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