Guardian Credit Union
Guardian Credit Union received 149 applications in 2025 and made 98 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $115,000. Of 120 decisions, 21 were denials — 17.5%, most often for credit history.
| Legal Entity Identifier | 254900PCEQAPPZS8KL59 |
|---|---|
| Applications received | 149 |
| Mortgages made | 98 |
| Denied | 21 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.335 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 36 | 6.500% | $230,000 | 12.2% |
| Refinancing | 17 | 6.500% | $175,000 | 10.5% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 40 | 7.491% | $45,000 | 25.5% |
Where Guardian Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Milwaukee County, WI | 51 | 6.631% | 22.4% |
| Waukesha County, WI | 22 | 6.508% | 15.4% |
| Racine County, WI | 10 | 6.688% | 0.0% |
| Washington County, WI | 5 | Under 10 loans | 0.0% |
| Marinette County, WI | 2 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Dodge County, WI | 1 | Under 10 loans | 50.0% |
| Iron County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Shawano County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 0 | Under 10 loans | 100.0% |
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When Guardian Credit Union’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.