Guardian Savings Bank A Federal Savings Bank Mortgage Rates, Fees & Info
West Chester, OHLEI: 549300ENNFGLHCMQ1U82
Tax ID: 31-0471850
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Mortgage Data
Review & Overview
Guardian Savings Bank A Federal Savings Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Guardian Savings Bank A Federal Savings Bank 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Lexington, Richmond, Louisville, and Frankfort among others. We have data for 47 markets. (Some data included below & more in-depth data is available with an active subscription.)Guardian Savings Bank A Federal Savings Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guardian Savings Bank A Federal Savings Bank is typically a low 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.73% | 11/21/24 |
| 30 Year Conventional Purchase | 6.80% | 11/21/24 |
| 30 Year Conventional Refi | 6.47% | 11/21/24 |
| 30 Year Cash-out Refi | 6.69% | 11/21/24 |
| 30 Year FHA Purchase | 7.12% | 11/21/24 |
| 30 Year FHA Refi | 6.65% | 11/21/24 |
| 30 Year VA Purchase | 6.24% | 11/21/24 |
| 30 Year VA Refi | 5.88% | 11/21/24 |
| 30 Year USDA Purchase | 6.68% | 11/21/24 |
| 15 Year Conventional Purchase | 5.79% | 11/21/24 |
| 15 Year Conventional Refi | 5.79% | 11/21/24 |
| 15 Year Cash-out Refi | 5.79% | 11/21/24 |
| 15 Year FHA Purchase | 5.68% | 11/21/24 |
| 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. | ||
Guardian Savings Bank A Federal Savings Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,921Origination Dollar Volume (All Markets)
$610,075,000Awards
Guardian Savings Bank A Federal Savings Bank - 2022
Guardian Savings Bank A Federal Savings Bank is a 2022 , due to their low .
For 2022, 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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2,140 | $417,120,000 | $194,916 | $1,204 | 4.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 521 | $123,865,000 | $237,745 | $1,024 | 3.83% |
| Richmond-Berea, KY (FHA|USDA|VA) | 48 | $10,240,000 | $213,333 | $915 | 3.73% |
| LOUISVILLE, KY (FHA|USDA|VA) | 39 | $8,785,000 | $225,256 | $1,097 | 4.02% |
| Frankfort, KY (FHA|USDA|VA) | 34 | $7,630,000 | $224,412 | $783 | 3.93% |
| Outside of Metro Areas | 32 | $5,790,000 | $180,938 | $1,897 | 4.09% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $5,620,000 | $562,000 | $2,938 | 3.90% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $5,535,000 | $5,535,000 | $0 | 3.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 19 | $4,665,000 | $245,526 | $753 | 3.41% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $2,185,000 | $242,778 | $1,462 | 4.53% |
| Somerset, KY (FHA|USDA|VA) | 9 | $2,165,000 | $240,556 | $1,280 | 3.78% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,815,000 | $605,000 | $4,675 | 3.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $3,644 | 4.06% |
| London, KY (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $1,790 | 4.67% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,283 | 3.75% |
| Danville, KY (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $1,432 | 4.10% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,711 | 3.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $2,161 | 3.75% |
| Mount Sterling, KY (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $1,146 | 3.30% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $14,309 | 4.50% |
| Wilmington, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $671 | 3.97% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,499 | 4.19% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,847 | 2.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,801 | 4.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,505 | 4.00% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $500 | 4.88% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,601 | 4.00% |
| Maysville, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,346 | 5.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,148 | 3.50% |
| WHEELING, WV-OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,138 | 3.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,065 | 2.88% |
| Richmond, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $895 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,560 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,209 | 4.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,206 | 3.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,054 | 4.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,688 | 4.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,037 | 3.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,996 | 3.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,731 | 4.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $439 | 5.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $573 | 5.00% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $310 | 4.00% |
| Findlay, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $445 | 4.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Guardian Savings Bank A Federal Savings Bank 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
For 2022, Guardian Savings Bank A Federal Savings Bank's most frequently originated type of loan was Conventional, with 2,519 originations. Their 2nd most popular type was HELOC, with 322 originations.
Loan Reason
For 2022, Guardian Savings Bank A Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 1,141 originations. The 2nd most popular reason was Cash Out Refi, with 732 originations.
Loan Duration/Length
For 2022, Guardian Savings Bank A Federal Savings Bank's most frequently cited loan duration was 30 Year, with 1,822 originations. The 2nd most popular length was 15 Year, with 496 originations.
Origination Fees/Closing Costs
Guardian Savings Bank A Federal Savings Bank's average total fees were $1,423, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,870 originations.
Interest Rates
During 2022, Guardian Savings Bank A Federal Savings Bank's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 998 originations.
Loan Sizing
2022 saw Guardian Savings Bank A Federal Savings Bank place emphasis on $100k-200k loans with 1,002 originations, totaling $148,410,000 in origination value.
Applicant Income
Guardian Savings Bank A Federal Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 706 originations. The second most popular income band? $50k-75k, with 579 originations.
Applicant Debt to Income Ratio
Guardian Savings Bank A Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 856 originations. The next most common DTI ratio? 30-36%, with 568 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.62%
Guardian Savings Bank A Federal Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination85.04%
Guardian Savings Bank A Federal Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,921 | $610,075,000 | $208,858 |