Guardian Bank
Guardian Bank received 160 applications in 2025 and made 152 mortgages, in 22 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 156 decisions, 2 were denials — 1.3%.
| Legal Entity Identifier | 254900ZWDLZRZ1IY7113 |
|---|---|
| Applications received | 160 |
| Mortgages made | 152 |
| Denied | 2 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Guardian Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 27 | Not published | $165,000 | 3.5% |
| Refinancing | 113 | Not published | $100,000 | 0.0% |
| Other purposes | 12 | Not published | $50,000 | 7.7% |
Where Guardian Bank lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lowndes County, GA | 81 | Not published | 0.0% |
| Mitchell County, GA | 31 | Not published | 3.1% |
| Atkinson County, GA | 7 | Under 10 loans | 12.5% |
| Coffee County, GA | 4 | Under 10 loans | 0.0% |
| Lanier County, GA | 4 | Under 10 loans | 0.0% |
| Madison County, FL | 3 | Under 10 loans | 0.0% |
| Berrien County, GA | 3 | Under 10 loans | 0.0% |
| Colquitt County, GA | 3 | Under 10 loans | 0.0% |
| Hamilton County, FL | 2 | Under 10 loans | 0.0% |
| Taylor County, FL | 2 | Under 10 loans | 0.0% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Ware County, GA | 2 | Under 10 loans | 0.0% |
| Houston County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Levy County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Floyd County, GA | 1 | Under 10 loans | 0.0% |
| Harris County, GA | 1 | Under 10 loans | 0.0% |
| Thomas County, GA | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 0 | Under 10 loans | Not published |
| Cook County, GA | 0 | Under 10 loans | 0.0% |
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When Guardian Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.