Purchase Originations
1,038
Ranked #368 nationally
Median Total Costs
$1,751
−73.8% vs national ($6,680)
↓ $182 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$500
Median Lender Credits
$636
Cost Rank (500+ vol.)
#9
among lenders with 500+ originations
Denial Rate
6.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 934 | 6.625% | $1,622 | $500 |
| fha | 90 | 6.250% | $7,333 | $350 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 653 | 6.625% | $1,693 | #14 |
| Ohio | 345 | 6.625% | $1,720 | #68 |
| Indiana | 23 | 6.625% | $2,296 | — |
| Florida | 7 | 7.250% | $6,072 | — |
| South Carolina | 3 | 6.625% | $3,921 | — |
| Colorado | 1 | 6.250% | $5,495 | — |
| Georgia | 1 | 6.500% | $3,287 | — |
| Illinois | 1 | 5.500% | $3,308 | — |
| Minnesota | 1 | 6.625% | $2,894 | — |
| Missouri | 1 | 7.250% | $4,640 | — |
| Pennsylvania | 1 | 6.750% | $2,700 | — |
| Tennessee | 1 | 6.375% | $3,772 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,283 | 6.750% | — | 8 | −$468 | |
| 2 | $1,430 | 6.500% | — | 29 | −$321 | |
| 3 | $1,567 | 6.562% | — | 8 | −$184 | |
| 4 | $1,582 | 6.625% | — | 154 | −$169 | |
| 5 | $1,605 | 6.500% | — | 19 | −$146 | |
| 6 | $1,613 | 6.750% | — | 129 | −$138 | |
| 7 | $1,621 | 6.500% | — | 41 | −$130 | |
| 8 | $1,622 | 6.375% | — | 7 | −$129 | |
| 9 | $1,629 | 6.625% | — | 15 | −$122 | |
| 10 | $1,635 | 6.562% | — | 144 | −$116 | |
| 11 | $1,687 | 6.750% | — | 94 | −$64 | |
| 12 | $1,752 | 6.500% | — | 29 | +$1 | |
| 13 | $1,759 | 6.625% | — | 64 | +$8 | |
| 14 | $1,855 | 6.750% | — | 43 | +$104 | |
| 15 | $1,962 | 6.688% | — | 10 | +$211 | |
| 16 | $2,097 | 6.625% | — | 60 | +$346 | |
| 17 | $2,403 | 6.688% | — | 56 | +$652 | |
| 18 | $2,823 | 6.750% | — | 13 | +$1,072 | |
| 19 | $3,702 | 6.625% | — | 9 | +$1,951 | |
| 20 | $4,062 | 6.750% | — | 7 | +$2,311 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Guardian Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $1,751 | $7,127 | −$5,376 (−75.4%) |
Other high-volume lenders side-by-side.
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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.