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, Cash Out Refi, and Refi 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, Bridgeport, Los Angeles, Miami, and San Diego among others. We have data for 31 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 an average 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.43% | 12/16/24 |
| 30 Year Conventional Refi | 6.32% | 12/16/24 |
| 30 Year Cash-out Refi | 6.75% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 5.89% | 12/16/24 |
| 15 Year Conventional Refi | 6.07% | 12/16/24 |
| 15 Year Cash-out Refi | 6.07% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
718Origination Dollar Volume (All Markets)
$512,070,000Top 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) | 485 | $355,725,000 | $733,454 | $8,714 | 4.18% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 141 | $97,095,000 | $688,617 | $6,497 | 4.03% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 20 | $21,850,000 | $1,092,500 | $7,773 | 3.93% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $6,545,000 | $595,000 | $10,577 | 4.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $5,960,000 | $1,490,000 | $6,425 | 3.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 5 | $2,535,000 | $507,000 | $4,849 | 3.93% |
| Torrington, CT (FHA|USDA|VA) | 5 | $2,495,000 | $499,000 | $6,276 | 3.98% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 9 | $2,405,000 | $267,222 | $5,220 | 4.24% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 6 | $2,170,000 | $361,667 | $7,488 | 4.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $1,820,000 | $910,000 | $7,727 | 4.38% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $7,980 | 4.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $1,490,000 | $745,000 | $7,793 | 3.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $1,475,000 | $1,475,000 | $21,382 | 3.75% |
| Hudson, NY (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $7,599 | 3.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $21,125 | 4.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $6,120 | 4.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,821 | 4.56% |
| Outside of Metro Areas | 2 | $530,000 | $265,000 | $5,539 | 4.31% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,523 | 4.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,121 | 4.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,601 | 3.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,920 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,859 | 3.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,647 | 3.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,971 | 5.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,175 | 4.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,932 | 5.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,292 | 4.50% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,576 | 4.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,566 | 3.88% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,959 | 4.75% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 706 | $507,310,000 | $718,569 | $8,005 | 4.15% |
| FHA | 12 | $4,760,000 | $396,667 | $12,055 | 4.06% |
For 2019, Guardhill Financial Corp.'s most frequently originated type of loan was Conventional, with 706 originations. Their 2nd most popular type was FHA, with 12 originations.
Loan Reason
For 2019, Guardhill Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 424 originations. The 2nd most popular reason was Cash Out Refi, with 151 originations.
Loan Duration/Length
For 2019, Guardhill Financial Corp.'s most frequently cited loan duration was 30 Year, with 679 originations. The 2nd most popular length was 15 Year, with 23 originations.
Origination Fees/Closing Costs
Guardhill Financial Corp.'s average total fees were $8,190, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 366 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 362 | $260,910,000 | $720,746 |
| 4-5% | 285 | $193,285,000 | $678,193 |
| 5-6% | 61 | $47,225,000 | $774,180 |
| 6-7% | 3 | $3,725,000 | $1,241,667 |
| 2.5-3% | 2 | $1,790,000 | $895,000 |
During 2019, 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 362 originations.
Loan Sizing
2019 saw Guardhill Financial Corp. place emphasis on $400k-600k loans with 204 originations, totaling $99,710,000 in origination value.
Applicant Income
Guardhill Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 343 originations. The second most popular income band? $150k-250k, with 190 originations.
Applicant Debt to Income Ratio
Guardhill Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 196 originations. The next most common DTI ratio? 30-36%, with 144 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.33%
Guardhill Financial Corp. has an average approval rate.
Pick Rate
Approvals leading to origination35.65%
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 |
|---|---|---|---|
| 1770.0 | 1 | $725,000 | $725,000 |
| 3135.0 | 1 | $545,000 | $545,000 |
| 3217.0 | 1 | $675,000 | $675,000 |
| 6972.5 | 1 | $315,000 | $315,000 |
| NA | 714 | $509,810,000 | $714,020 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 718 | $512,070,000 | $713,189 |