Guardhill Financial Corp. Mortgage Rates, Fees & Info
New York, NYLEI: 254900P6Q7UI8DAKYX49
Tax ID: 13-3670961
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Mortgage Data
Review & Overview
Guardhill Financial Corp. is a smaller mortgage company specializing in Home Purchase loans. Guardhill Financial Corp. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Los Angeles, Miami, Bridgeport, and Boston among others. We have data for 24 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.
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Originations
224Origination Dollar Volume (All Markets)
$180,590,000Top Markets
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) | 166 | $122,940,000 | $740,602 | $12,263 | 6.89% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $16,700,000 | $1,670,000 | $15,047 | 6.94% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $10,630,000 | $1,328,750 | $23,726 | 7.44% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 8 | $6,780,000 | $847,500 | $11,317 | 7.22% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $4,125,000 | $825,000 | $12,509 | 6.80% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $2,835,000 | $945,000 | $24,803 | 7.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $2,335,000 | $778,333 | $10,315 | 6.50% |
| Torrington, CT (FHA|USDA|VA) | 3 | $1,935,000 | $645,000 | $8,197 | 7.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $11,467 | 5.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $7,880 | 6.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $6,995 | 6.63% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $5,776 | 6.81% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $8,135 | 7.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $23,231 | 6.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $10,241 | 6.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $7,917 | 6.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $7,191 | 5.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $13,857 | 7.38% |
| Hudson, NY (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $6,131 | 6.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,249 | 6.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,865 | 6.63% |
| Outside of Metro Areas | 1 | $495,000 | $495,000 | $5,591 | 6.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $15,895 | 7.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,116 | 6.75% |
Similar Lenders
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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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 223 | $179,895,000 | $806,704 | $12,550 | 6.91% |
| FHA | 1 | $695,000 | $695,000 | $26,656 | 6.25% |
For 2023, Guardhill Financial Corp.'s most frequently originated type of loan was Conventional, with 223 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2023, Guardhill Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 192 originations. The 2nd most popular reason was Cash Out Refi, with 21 originations.
Loan Duration/Length
For 2023, Guardhill Financial Corp.'s most frequently cited loan duration was 30 Year, with 221 originations. The 2nd most popular length was 15 Year, with 1 originations.
Origination Fees/Closing Costs
Guardhill Financial Corp.'s average total fees were $12,587, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 101 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 108 | $77,490,000 | $717,500 |
| 7-8% | 58 | $53,670,000 | $925,345 |
| 5-6% | 31 | $23,615,000 | $761,774 |
| Over 8% | 26 | $25,070,000 | $964,231 |
| 4-5% | 1 | $745,000 | $745,000 |
During 2023, Guardhill Financial Corp.'s average interest rate for loans was 6.91%, while their most frequently originated rate bucket for loans was 6-7%, with 108 originations.
Loan Sizing
2023 saw Guardhill Financial Corp. place emphasis on $600k-1MM loans with 64 originations, totaling $48,290,000 in origination value.
Applicant Income
Guardhill Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 124 originations. The second most popular income band? $150k-250k, with 50 originations.
Applicant Debt to Income Ratio
Guardhill Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 47 originations. The next most common DTI ratio? 30-36%, with 38 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.70%
Guardhill Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination31.25%
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 |
|---|---|---|---|
| NA | 224 | $180,590,000 | $806,205 |