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 Refi and Home Purchase loans. Guardhill Financial Corp. has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Bridgeport, Miami, and Boston among others. We have data for 45 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% | 4/18/24 |
| 30 Year Conventional Refi | 6.32% | 4/18/24 |
| 30 Year Cash-out Refi | 6.75% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 5.89% | 4/18/24 |
| 15 Year Conventional Refi | 6.07% | 4/18/24 |
| 15 Year Cash-out Refi | 6.07% | 4/18/24 |
| 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
1,126Origination Dollar Volume (All Markets)
$751,260,000Top 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) | 877 | $573,935,000 | $654,430 | $7,715 | 3.15% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 41 | $55,715,000 | $1,358,902 | $10,422 | 3.16% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 51 | $36,805,000 | $721,667 | $9,210 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 22 | $10,950,000 | $497,727 | $7,113 | 3.38% |
| Outside of Metro Areas | 10 | $6,970,000 | $697,000 | $7,433 | 3.15% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $6,385,000 | $709,444 | $6,285 | 2.93% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 13 | $5,925,000 | $455,769 | $6,163 | 2.86% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $4,935,000 | $987,000 | $11,498 | 3.08% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $4,510,000 | $751,667 | $10,465 | 2.94% |
| Hudson, NY (FHA|USDA|VA) | 10 | $3,470,000 | $347,000 | $6,273 | 3.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $3,105,000 | $443,571 | $6,689 | 3.09% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $3,015,000 | $1,005,000 | $5,331 | 2.96% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $3,000,000 | $500,000 | $6,410 | 3.02% |
| KINGSTON, NY (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $6,351 | 2.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $2,525,000 | $841,667 | $11,292 | 2.92% |
| Torrington, CT (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $6,988 | 3.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $4,306 | 2.71% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $2,090,000 | $522,500 | $5,563 | 2.91% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $1,585,000 | $1,585,000 | $10,950 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $9,082 | 3.17% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $5,869 | 2.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $7,134 | 3.13% |
| PITTSFIELD, MA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $7,968 | 2.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $5,263 | 3.06% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $5,174 | 3.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,534 | 3.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $13,762 | 2.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,690 | 3.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $7,928 | 3.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 4.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,341 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $7,647 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 5.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,609 | 2.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $10,446 | 2.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,951 | 2.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,687 | 2.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,679 | 5.25% |
| Washington, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,615 | 2.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,716 | 3.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,741 | 4.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,773 | 2.88% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,516 | 2.25% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,156 | 3.88% |
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 | 1,126 | $751,260,000 | $667,194 | $7,753 | 3.14% |
For 2020, Guardhill Financial Corp.'s most frequently originated type of loan was Conventional, with 1,126 originations.
Loan Reason
For 2020, Guardhill Financial Corp.'s most frequently cited loan purpose was Refi, with 694 originations. The 2nd most popular reason was Home Purchase, with 331 originations.
Loan Duration/Length
For 2020, Guardhill Financial Corp.'s most frequently cited loan duration was 30 Year, with 989 originations. The 2nd most popular length was 15 Year, with 89 originations.
Origination Fees/Closing Costs
Guardhill Financial Corp.'s average total fees were $7,952, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 606 originations.
Interest Rates
During 2020, Guardhill Financial Corp.'s average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 2.5-3%, with 563 originations.
Loan Sizing
2020 saw Guardhill Financial Corp. place emphasis on $400k-600k loans with 355 originations, totaling $174,665,000 in origination value.
Applicant Income
Guardhill Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 525 originations. The second most popular income band? $150k-250k, with 336 originations.
Applicant Debt to Income Ratio
Guardhill Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 377 originations. The next most common DTI ratio? 30-36%, with 215 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.47%
Guardhill Financial Corp. has an average approval rate.
Pick Rate
Approvals leading to origination46.09%
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 | 1,126 | $751,260,000 | $667,194 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,126 | $751,260,000 | $667,194 |