Guardian Credit Union (Alabama) mortgage approval rate & lending review
Guardian Credit Union (Alabama) decided 660 mortgage applications and funded 349 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guardian Credit Union (Alabama) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guardian Credit Union (Alabama) at a glance
Approval is 11.3 points below the 74.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 57% | 69 / 122 | 83% | $245K | 57 |
| Cash-out refinance | 64% | 248 / 387 | 85% | $55K | 212 |
| Refinance | 54% | 44 / 81 | 89% | $75K | 39 |
| Investment property purchase | 84% | 26 / 31 | 88% | $65K | 23 |
| Investment cash-out refinance | 74% | 25 / 34 | 64% | $45K | 16 |
Guardian Credit Union (Alabama) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 62% | $55K | 652 | 344 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Guardian Credit Union (Alabama) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, AL | Cash-out refinance | 63% | 340 | 181 |
| Montgomery County, AL | Mortgage lenders | 54% | 109 | 49 |
| Montgomery County, AL | Refinance | 51% | 74 | 34 |
| Montgomery County, AL | Investment cash-out refinance | 71% | 28 | 15 |
| Montgomery County, AL | Investment property purchase | 75% | 20 | 14 |
The county markets where Guardian Credit Union (Alabama) made the most loans. Each link opens that market with every lender ranked.
Questions about Guardian Credit Union (Alabama)
What is Guardian Credit Union (Alabama)'s mortgage approval rate?
Guardian Credit Union (Alabama) approved 62.7% of the 660 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.3 points below the 74.1% national rate for the same mix of loan types.
How often do borrowers take the loan Guardian Credit Union (Alabama) offers?
Borrowers accepted 84% of the loans Guardian Credit Union (Alabama) approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Guardian Credit Union (Alabama) make?
The typical cash-out refinance loan Guardian Credit Union (Alabama) made was $55K; across all loan types its typical loan ran from $45K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guardian Credit Union (Alabama) lend?
Guardian Credit Union (Alabama) decided applications in 3 of the states Fat Boy Data covers, most of them in Alabama, Georgia and Florida.
Can I apply to Guardian Credit Union (Alabama) directly?
Yes. Guardian Credit Union (Alabama) is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Guardian Credit Union (Alabama)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Guardian Credit Union (Alabama) treats applications, then get a rate quote from the lender.