Guidance Residential in Texas vs the state
2.0%Denial rate-17.45 pts vs state
2.7%Decision denial rate-22.18 pts vs state
68.2%Origination rate+13.29 pts vs state
6.63%Median rate+0.13 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$159kMedian applicant income
379Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 356 | 208 | 2.3% | 7.00% | #298 |
| 2024 | 406 | 253 | 1.2% | 7.13% | #279 |
| 2025 | 556 | 379 | 2.0% | 6.63% | #244 |
What Guidance Residential lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 156 | 111 | 0 | 0.0% |
| Harris County | 81 | 61 | 1 | 1.2% |
| Fort Bend County | 78 | 56 | 2 | 2.6% |
| Dallas County | 74 | 46 | 2 | 2.7% |
| Williamson County | 40 | 27 | 0 | 0.0% |
| Tarrant County | 35 | 17 | 5 | 14.3% |
| Travis County | 20 | 13 | 0 | 0.0% |
| Denton County | 19 | 10 | 0 | 0.0% |
| Brazoria County | 12 | 8 | 0 | 0.0% |
| Bexar County | 7 | 6 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 556 applications in 2025, of which 379 were originated and 11 denied.
2.0% of all applications, or 2.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Guidance Residential originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Guidance Residential's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology