Guardian Savings Bank closing costs and rates (2024)
In 2024, Guardian Savings Bank originated 860 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $1,933. That ranks #420 nationally by origination volume. For total closing costs among lenders with 500+ originations, Guardian Savings Bank ranks #10. That is $4,808 below the national median of $6,741. Guardian Savings Bank is most active in Kentucky with 544 originations there.
Purchase Originations
860
Ranked #420 nationally
Median Total Costs
$1,933
−71.3% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$515
Median Lender Credits
$419
Cost Rank (500+ vol.)
#10
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 752 | 6.875% | $1,694 | $645 |
| fha | 86 | 6.500% | $7,205 | $350 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 544 | 6.875% | $1,907 | #16 |
| Ohio | 285 | 6.875% | $1,877 | #75 |
| Indiana | 13 | 6.875% | $2,742 | — |
| Florida | 5 | 7.000% | $3,387 | — |
| Tennessee | 5 | 7.000% | $3,127 | — |
| Illinois | 2 | 7.000% | $5,129 | — |
| South Carolina | 2 | 6.625% | $8,475 | — |
| Alabama | 1 | 6.500% | $2,539 | — |
| Georgia | 1 | 7.000% | $4,047 | — |
| Louisiana | 1 | 6.500% | $2,430 | — |
| West Virginia | 1 | 6.500% | $3,579 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,368 | 6.938% | — | 4 | −$565 | |
| 2 | $1,548 | 6.875% | — | 34 | −$385 | |
| 3 | $1,557 | 6.938% | — | 38 | −$376 | |
| 4 | $1,596 | 6.875% | — | 139 | −$337 | |
| 5 | $1,625 | 6.875% | — | 19 | −$308 | |
| 6 | $1,630 | 7.250% | — | 5 | −$303 | |
| 7 | $1,769 | 6.625% | — | 65 | −$164 | |
| 8 | $1,890 | 6.875% | — | 52 | −$43 | |
| 9 | $1,903 | 6.875% | — | 108 | −$30 | |
| 10 | $1,904 | 6.875% | — | 7 | −$29 | |
| 11 | $1,955 | 6.875% | — | 134 | +$22 | |
| 12 | $2,026 | 6.812% | — | 36 | +$93 | |
| 13 | $2,162 | 6.875% | — | 13 | +$229 | |
| 14 | $2,250 | 6.500% | — | 11 | +$317 | |
| 15 | $2,252 | 6.875% | — | 27 | +$319 | |
| 16 | $2,532 | 6.688% | — | 4 | +$599 | |
| 17 | $2,654 | 6.875% | — | 84 | +$721 | |
| 18 | $3,045 | 7.250% | — | 3 | +$1,112 | |
| 19 | $5,830 | 7.250% | — | 5 | +$3,897 | |
| 20 | $8,133 | 6.750% | — | 4 | +$6,200 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.