Guardhill Financial Corp. Mortgage Rates, Fees & InfoNew York, NY
Tax ID: 13-3670961
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewGuardhill Financial Corp. is a smaller mortgage company specializing in Home Purchase loans. Guardhill Financial Corp. has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Miami, Bridgeport, and Washington among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)
Guardhill Financial Corp. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guardhill Financial Corp. is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.43%||11/30/23|
|30 Year Conventional Refi||6.32%||11/30/23|
|30 Year Cash-out Refi||6.75%||11/30/23|
|30 Year FHA Purchase||6.27%||11/30/23|
|15 Year Conventional Purchase||5.89%||11/30/23|
|15 Year Conventional Refi||6.07%||11/30/23|
|15 Year Cash-out Refi||6.07%||11/30/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Guardhill Financial Corp. Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Guardhill Financial Corp.. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$366,745,000
GuardHill Financial Corp. - 2022
GuardHill Financial Corp. is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Guardhill Financial Corp.'s average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.59%.
Relative Fees (Closing Costs)
Guardhill Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $10,043.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA)||351||$265,345,000||$755,969||$9,610||4.12%|
|Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)||14||$23,660,000||$1,690,000||$15,871||3.98%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||18||$18,880,000||$1,048,889||$16,881||4.13%|
|BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA)||12||$10,690,000||$890,833||$11,196||3.90%|
|Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA)||7||$7,295,000||$1,042,143||$9,553||3.73%|
|Torrington, CT (FHA|USDA|VA)||5||$5,635,000||$1,127,000||$8,640||3.23%|
|Outside of Metro Areas||8||$2,860,000||$357,500||$9,435||5.25%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||2||$2,370,000||$1,185,000||$13,166||2.94%|
|KINGSTON, NY (FHA|USDA|VA)||5||$2,185,000||$437,000||$6,954||4.40%|
|POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA)||3||$2,105,000||$701,667||$6,871||4.63%|
|SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA)||1||$2,005,000||$2,005,000||$28,521||3.00%|
|Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA)||3||$1,875,000||$625,000||$8,401||4.00%|
|CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA)||1||$1,495,000||$1,495,000||$6,626||3.13%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||3||$1,385,000||$461,667||$6,146||4.71%|
|NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA)||3||$1,375,000||$458,333||$4,438||5.29%|
|Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA)||2||$1,350,000||$675,000||$8,066||4.50%|
|PITTSFIELD, MA (FHA|USDA|VA)||2||$1,280,000||$640,000||$7,109||4.94%|
|BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA)||2||$1,210,000||$605,000||$8,652||4.50%|
|DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)||1||$1,125,000||$1,125,000||$6,276||2.75%|
|PORT ST. LUCIE, FL (FHA|USDA|VA)||2||$1,030,000||$515,000||$7,411||4.13%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||2||$1,000,000||$500,000||$9,030||5.06%|
|RICHMOND, VA (FHA|USDA|VA)||1||$995,000||$995,000||$7,191||3.75%|
|JACKSONVILLE, FL (FHA|USDA|VA)||2||$970,000||$485,000||$8,978||5.38%|
|CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)||1||$895,000||$895,000||$8,715||2.75%|
|BARNSTABLE TOWN, MA (FHA|USDA|VA)||1||$885,000||$885,000||$6,571||4.13%|
|PITTSBURGH, PA (FHA|USDA|VA)||2||$850,000||$425,000||$7,750||4.19%|
|NEW HAVEN-MILFORD, CT (FHA|USDA|VA)||1||$725,000||$725,000||$7,071||4.88%|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||1||$695,000||$695,000||$7,983||2.88%|
|GLENS FALLS, NY (FHA|USDA|VA)||1||$645,000||$645,000||$5,821||6.00%|
|NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)||1||$585,000||$585,000||$14,943||4.88%|
|Bennington, VT (FHA|USDA|VA)||1||$555,000||$555,000||$5,620||5.25%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||1||$505,000||$505,000||$7,755||3.00%|
|TRENTON-PRINCETON, NJ (FHA|USDA|VA)||1||$435,000||$435,000||$20,792||3.88%|
|Hudson, NY (FHA|USDA|VA)||1||$375,000||$375,000||$14,067||4.50%|
|RALEIGH-CARY, NC (FHA|USDA|VA)||1||$375,000||$375,000||$4,071||5.50%|
|PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA)||1||$325,000||$325,000||$5,079||4.25%|
|ROANOKE, VA (FHA|USDA|VA)||1||$305,000||$305,000||$7,641||5.63%|
|North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)||1||$285,000||$285,000||$4,496||4.75%|
|ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA)||1||$185,000||$185,000||$8,227||6.63%|
We use machine learning to identify the top lenders compared against GuardHill Financial Corp. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Guardhill Financial Corp.'s most frequently originated type of loan was Conventional, with 467 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||99||$67,615,000||$682,980||$10,171||4.16%|
For 2022, Guardhill Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Cash Out Refi, with 99 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Guardhill Financial Corp.'s most frequently cited loan duration was 30 Year, with 453 originations. The 2nd most popular length was 15 Year, with 10 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Guardhill Financial Corp.'s average total fees were $10,043, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 251 originations.
During 2022, Guardhill Financial Corp.'s average interest rate for loans was 4.17%, while their most frequently originated rate bucket for loans was 3-4%, with 156 originations.
2022 saw Guardhill Financial Corp. place emphasis on $600k-1MM loans with 146 originations, totaling $110,660,000 in origination value.
Guardhill Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 259 originations. The second most popular income band? $150k-250k, with 111 originations.
Applicant Debt to Income Ratio
Guardhill Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? 30-36%, with 102 originations.
Approval RatesTotal approvals of all applications
Guardhill Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Guardhill Financial Corp. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
|Points||Originations||Total Value||Average Loan|