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 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 Francisco among others. We have data for 48 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.43% | 4/21/24 |
| 30 Year Conventional Refi | 6.32% | 4/21/24 |
| 30 Year Cash-out Refi | 6.75% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.89% | 4/21/24 |
| 15 Year Conventional Refi | 6.07% | 4/21/24 |
| 15 Year Cash-out Refi | 6.07% | 4/21/24 |
| 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
1,098Origination Dollar Volume (All Markets)
$787,190,000Awards
GuardHill Financial Corp. - 2021
GuardHill Financial Corp. is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top 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) | 891 | $627,915,000 | $704,731 | $8,856 | 2.99% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 45 | $36,175,000 | $803,889 | $12,594 | 2.92% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 29 | $35,725,000 | $1,231,897 | $13,043 | 2.96% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 21 | $25,255,000 | $1,202,619 | $10,339 | 3.02% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $6,300,000 | $1,575,000 | $8,843 | 2.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $4,770,000 | $1,192,500 | $6,346 | 2.72% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $4,495,000 | $642,143 | $5,609 | 2.73% |
| Outside of Metro Areas | 10 | $3,950,000 | $395,000 | $6,907 | 3.14% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $2,980,000 | $496,667 | $5,402 | 2.96% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $2,900,000 | $1,450,000 | $25,468 | 3.81% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $2,855,000 | $571,000 | $7,830 | 2.90% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 5 | $2,795,000 | $559,000 | $7,461 | 2.98% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $2,580,000 | $645,000 | $8,377 | 2.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $2,325,000 | $2,325,000 | $0 | 3.13% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $2,050,000 | $1,025,000 | $7,834 | 3.00% |
| Torrington, CT (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $7,602 | 3.03% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $6,962 | 3.09% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $7,724 | 2.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $7,141 | 2.94% |
| PITTSFIELD, MA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $5,161 | 3.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $4,476 | 3.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $4,652 | 3.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,548 | 3.04% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $5,130 | 2.69% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,108 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $6,889 | 3.25% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $6,106 | 2.94% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $6,907 | 2.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $6,396 | 3.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $5,190 | 3.50% |
| Bennington, VT (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $6,114 | 3.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,863 | 3.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $13,399 | 2.75% |
| Hudson, NY (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,447 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $7,398 | 2.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $10,228 | 2.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,895 | 2.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,934 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,016 | 3.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,570 | 3.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,740 | 2.13% |
| READING, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,500 | 2.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,269 | 2.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,029 | 2.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,481 | 3.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,466 | 2.75% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,096 | $786,130,000 | $717,272 | $8,914 | 2.98% |
| FHA | 2 | $1,060,000 | $530,000 | $15,291 | 3.38% |
For 2021, Guardhill Financial Corp.'s most frequently originated type of loan was Conventional, with 1,096 originations. Their 2nd most popular type was FHA, with 2 originations.
Loan Reason
For 2021, Guardhill Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 488 originations. The 2nd most popular reason was Refi, with 486 originations.
Loan Duration/Length
For 2021, Guardhill Financial Corp.'s most frequently cited loan duration was 30 Year, with 961 originations. The 2nd most popular length was 15 Year, with 85 originations.
Origination Fees/Closing Costs
Guardhill Financial Corp.'s average total fees were $9,063, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 724 originations.
Interest Rates
During 2021, Guardhill Financial Corp.'s average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 609 originations.
Loan Sizing
2021 saw Guardhill Financial Corp. place emphasis on $600k-1MM loans with 301 originations, totaling $230,975,000 in origination value.
Applicant Income
Guardhill Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 531 originations. The second most popular income band? $150k-250k, with 287 originations.
Applicant Debt to Income Ratio
Guardhill Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 333 originations. The next most common DTI ratio? 30-36%, with 217 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.06%
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 origination58.11%
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 | 1,098 | $787,190,000 | $716,931 |