Guidance Residential in Minnesota vs the state
2.2%Denial rate-11.44 pts vs state
2.6%Decision denial rate-13.80 pts vs state
79.2%Origination rate+12.85 pts vs state
6.88%Median rate+0.25 pts vs state
0.37Rate spread (pts)+0.12 pts vs state
$96kMedian applicant income
183Loans originated
5Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 48 | 3.1% | 6.94% | #239 |
| 2024 | 78 | 57 | 6.4% | 7.13% | #222 |
| 2025 | 231 | 183 | 2.2% | 6.88% | #131 |
What Guidance Residential lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 48 | 37 | 1 | 2.1% |
| Anoka County | 46 | 34 | 1 | 2.2% |
| Dakota County | 44 | 34 | 2 | 4.5% |
| Scott County | 25 | 19 | 0 | 0.0% |
| Washington County | 13 | 12 | 0 | 0.0% |
| Ramsey County | 12 | 10 | 0 | 0.0% |
| Olmsted County | 12 | 10 | 1 | 8.3% |
| Stearns County | 8 | 7 | 0 | 0.0% |
| Wright County | 5 | 5 | 0 | 0.0% |
| Carver County | 5 | 3 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 231 applications in 2025, of which 183 were originated and 5 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Guidance Residential originated in Minnesota in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology