GUIDANCE RESIDENTIAL, LLC
2,872 mortgages originated in 2025 across 18 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,872
- Median rate
- 6.875%
- Median lender fees
- $5,788
- Median loan amount
- $365,000
- Median spread over APOR
- 0.368
- Paid discount points
- 60.9%
- Received lender credits
- 27.6%
- Purchases / refinances
- 83.5% / 16.5%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 89.1% of loans here — see methodology.
Where GUIDANCE RESIDENTIAL, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 379 | $6,220 | 6.625% |
| Illinois | 307 | $6,261 | 6.875% |
| New York | 250 | $7,149 | 6.938% |
| California | 187 | $5,285 | 6.875% |
| Minnesota | 183 | $5,505 | 6.875% |
| New Jersey | 151 | $6,585 | 6.875% |
| Michigan | 136 | $4,213 | 6.875% |
| Ohio | 121 | $4,836 | 6.875% |
| Washington | 119 | $5,587 | 6.875% |
| Virginia | 111 | $5,358 | 6.625% |
| Pennsylvania | 100 | $6,539 | 6.625% |
| Florida | 98 | $6,572 | 6.625% |
| Maryland | 95 | $5,232 | 6.875% |
| North Carolina | 82 | $5,215 | 6.688% |
| Massachusetts | 80 | $5,467 | 7.000% |
| Georgia | 79 | $5,951 | 6.875% |
| Indiana | 67 | $3,224 | 6.750% |
| Connecticut | 52 | — | 6.875% |