Guardian Savings Bank
Guardian Savings Bank received 3,023 applications in 2025 and made 2,310 mortgages, in 157 counties across 17 states. The median rate its borrowers got was 6.750% on a median loan of $235,000. Of 2,697 decisions, 311 were denials — 11.5%, most often for credit application incomplete.
| Legal Entity Identifier | 549300ENNFGLHCMQ1U82 |
|---|---|
| Applications received | 3,023 |
| Mortgages made | 2,310 |
| Denied | 311 |
| Approved, not taken up | 76 |
| Withdrawn or incomplete | 326 |
| Loans bought from other lenders | 239 |
| Median rate spread over the prime offer rate | 0.222 points |
| FDIC-insured bank | Yes: Guardian Savings Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,176 | 6.625% | $285,000 | 8.9% |
| Refinancing | 442 | 6.250% | $285,000 | 10.0% |
| Cash-out refinancing | 284 | 6.750% | $165,000 | 16.2% |
| Other purposes | 408 | 8.500% | $75,000 | 16.5% |
Where Guardian Savings Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, OH | 377 | 6.750% | 14.4% |
| Kenton County, KY | 306 | 6.750% | 11.4% |
| Fayette County, KY | 305 | 6.500% | 6.3% |
| Boone County, KY | 217 | 6.750% | 8.3% |
| Clermont County, OH | 170 | 6.750% | 11.8% |
| Campbell County, KY | 147 | 6.750% | 9.0% |
| Butler County, OH | 128 | 6.813% | 14.4% |
| Warren County, OH | 91 | 6.500% | 17.7% |
| Jessamine County, KY | 72 | 6.500% | 9.9% |
| Jefferson County, KY | 67 | 6.750% | 13.8% |
| Scott County, KY | 49 | 6.500% | 12.5% |
| Madison County, KY | 41 | 6.500% | 8.5% |
| Woodford County, KY | 30 | 6.500% | 8.8% |
| Dearborn County, IN | 29 | 6.750% | 12.1% |
| Grant County, KY | 24 | 6.750% | 4.0% |
| Franklin County, KY | 18 | 6.375% | 10.0% |
| Anderson County, KY | 17 | 6.625% | 10.0% |
| Clark County, KY | 17 | 6.500% | 10.5% |
| Brown County, OH | 14 | 7.063% | 15.8% |
| Montgomery County, OH | 12 | 6.625% | 33.3% |
| Boyle County, KY | 10 | 6.438% | 9.1% |
| Mercer County, KY | 10 | 6.313% | 9.1% |
| Oldham County, KY | 8 | Under 10 loans | 11.1% |
| Pendleton County, KY | 7 | Under 10 loans | 11.1% |
| Clark County, IN | 6 | Under 10 loans | 0.0% |
| Bourbon County, KY | 6 | Under 10 loans | 14.3% |
| Bullitt County, KY | 6 | Under 10 loans | 14.3% |
| Clinton County, OH | 6 | Under 10 loans | 25.0% |
| Garrard County, KY | 5 | Under 10 loans | 0.0% |
| Shelby County, KY | 5 | Under 10 loans | 16.7% |
| Greene County, OH | 5 | Under 10 loans | 16.7% |
| Franklin County, IN | 4 | Under 10 loans | 0.0% |
| Lincoln County, KY | 4 | Under 10 loans | 0.0% |
| Franklin County, OH | 4 | Under 10 loans | 33.3% |
| Ripley County, IN | 3 | Under 10 loans | 0.0% |
| Owen County, KY | 3 | Under 10 loans | 0.0% |
| Delaware County, OH | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Orange County, FL | 2 | Under 10 loans | 33.3% |
| Santa Rosa County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 0.0% |
| Jennings County, IN | 2 | Under 10 loans | 0.0% |
| Harrison County, KY | 2 | Under 10 loans | 0.0% |
| Montgomery County, KY | 2 | Under 10 loans | 50.0% |
| Nelson County, KY | 2 | Under 10 loans | 33.3% |
| Russell County, KY | 2 | Under 10 loans | 0.0% |
| Spencer County, KY | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Medina County, OH | 2 | Under 10 loans | 0.0% |
| Charleston County, SC | 2 | Under 10 loans | 0.0% |
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When Guardian Savings 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.