Lender profile · HMDA 2023–2025
Guardian Savings Bank mortgage approval rates & lending data
Guardian Savings Bank decided 4,360 mortgage applications and funded 3,667 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 2,085 / 2,334 | 97% | $295K | 2,027 |
| Home improvement loans | 92% | 304 / 330 | 94% | $45K | 285 |
| Cash-out refinance | 80% | 526 / 655 | 96% | $135K | 505 |
| Refinance | 86% | 526 / 614 | 97% | $275K | 510 |
| Investment property purchase | 86% | 273 / 318 | 98% | $195K | 267 |
| Investment cash-out refinance | 58% | 28 / 48 | 96% | $115K | 27 |
| Investment home improvement | 81% | 34 / 42 | 97% | $125K | 33 |
Guardian Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 89% | $305K | 2,140 | 1,860 |
| Ohio | 84% | $285K | 2,117 | 1,721 |
| Florida | 86% | $285K | 36 | 30 |
| Indiana | 91% | $235K | 33 | 29 |
| South Carolina | 100% | $755K | 7 | 7 |
| North Carolina | 60% | $165K | 5 | 2 |
| Tennessee | 100% | $325K | 5 | 5 |
| Illinois | 75% | $115K | 4 | 3 |
| Georgia | 100% | $385K | 3 | 3 |
| Alabama | 100% | $155K | 2 | 2 |
| Minnesota | 100% | $275K | 2 | 2 |
| Colorado | 100% | $425K | 1 | 1 |
| Louisiana | 100% | $105K | 1 | 1 |
| Nevada | 0% | — | 1 | 0 |
| New Jersey | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.