Homebuyers in Madison County County who chose Guardian Savings Bank paid $3,729 less in closing costs than the county median.
County Median Costs
$5,269
+5.2% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,695
Purchase Originations
1,039
Denial Rate
12.1%
vs Kentucky avg (15.1%)
vs Kentucky Median
5.2% above
$262
vs National Median
21.1% below
$-1,411
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,540 | 6.625% | $500 | 15 | −$2,556 | |
| 2 | $2,189 | 6.500% | $691 | 12 | −$1,906 | |
| 3 | $2,746 | 6.000% | $900 | 21 | −$1,349 | |
| 4 | $3,074 | 6.000% | $1,150 | 19 | −$1,021 | |
| 5 | $3,125 | 6.375% | $569 | 22 | −$970 | |
| 6 | $3,205 | 6.188% | $975 | 10 | −$890 | |
| 7 | $3,833 | 6.875% | $1,495 | 51 | −$262 | |
| 8 | $3,860 | 6.688% | $1,295 | 14 | −$235 | |
| 9 | $3,948 | 6.625% | $1,636 | 34 | −$147 | |
| 10 | $4,588 | 6.625% | $2,836 | 27 | +$493 | |
| 11 | $4,736 | 6.875% | $1,899 | 11 | +$640 | |
| 12 | $4,862 | 6.750% | $2,966 | 25 | +$767 | |
| 13 | $5,085 | 6.500% | $2,461 | 66 | +$990 | |
| 14 | $5,349 | 6.625% | $2,974 | 12 | +$1,254 | |
| 15 | $5,511 | 6.688% | $2,976 | 16 | +$1,416 | |
| 16 | $6,098 | 6.933% | $2,846 | 16 | +$2,003 |
Includes lenders with 10+ purchase originations in Madison County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.