Guardian Savings Bank mortgage approval rate & lending review
Guardian Savings Bank decided 4,360 mortgage applications and funded 3,667 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guardian Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guardian Savings Bank at a glance
Approval is 6.2 points above the 80.7% 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 | 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 |
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 Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Mortgage lenders | 88% | 486 | 414 |
| Fayette County, KY | Mortgage lenders | 93% | 450 | 413 |
| Kenton County, KY | Mortgage lenders | 88% | 407 | 347 |
| Boone County, KY | Mortgage lenders | 91% | 276 | 246 |
| Clermont County, OH | Mortgage lenders | 88% | 208 | 177 |
| Butler County, OH | Mortgage lenders | 86% | 173 | 141 |
| Hamilton County, OH | Cash-out refinance | 78% | 177 | 131 |
| Warren County, OH | Mortgage lenders | 89% | 139 | 118 |
| Kenton County, KY | Cash-out refinance | 84% | 135 | 110 |
| Hamilton County, OH | Home improvement loans | 90% | 128 | 110 |
| Fayette County, KY | Refinance | 90% | 125 | 109 |
| Hamilton County, OH | Refinance | 82% | 117 | 91 |
The county markets where Guardian Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Guardian Savings Bank
What is Guardian Savings Bank's mortgage approval rate?
Guardian Savings Bank approved 86.9% of the 4,360 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.2 points above the 80.7% national rate for the same mix of loan types.
How often do borrowers take the loan Guardian Savings Bank offers?
Borrowers accepted 97% of the loans Guardian Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Guardian Savings Bank make?
The typical home purchase mortgage loan Guardian Savings Bank made was $295K; across all loan types its typical loan ran from $45K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guardian Savings Bank lend?
Guardian Savings Bank decided applications in 17 of the states Fat Boy Data covers, most of them in Kentucky, Ohio and Florida.
Can I apply to Guardian Savings Bank directly?
Yes. Guardian Savings Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Guardian Savings Bank'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 Savings Bank treats applications, then get a rate quote from the lender.