Homebuyers in Woodford County County who chose Guardian Savings Bank paid $2,784 less in closing costs than the county median.
County Median Costs
$4,351
−13.1% vs Kentucky ($5,007)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$1,441
Purchase Originations
228
Denial Rate
7.0%
vs Kentucky avg (15.1%)
vs Kentucky Median
13.1% below
$-656
vs National Median
34.9% below
$-2,329
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,567 | 6.625% | $612 | 14 | −$2,262 | |
| 2 | $1,831 | 6.290% | $600 | 10 | −$1,998 | |
| 3 | $4,561 | 6.625% | $2,151 | 20 | +$732 | |
| 4 | $5,337 | 6.625% | $3,193 | 12 | +$1,508 |
Includes lenders with 10+ purchase originations in Woodford 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.