# GuardHill Financial Corp.

> **Canonical URL:** https://saferate.com/lenders/guardhill-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GuardHill Financial Corp. is a independent mortgage company, headquartered in New York, NY, serving borrowers across 15 states, with 257 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900P6Q7UI8DAKYX49
- **Headquarters:** New York, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** CA, CO, CT, FL, GA, IL, MA, MD, NJ, NY, PA, TN, TX, VA, VT
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.142%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,675
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 257
- **Dollar Volume:** $197 million
- **Applications Received:** 393
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $767,529
- **Average Borrower Income:** $482,755
- **Average Property Value:** $1,287,101

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 196 | +0.141% | $2,826 | Sound ☺️ |
| Jumbo | 74/100 | 59 | +0.154% | $1,897 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 174 loans, Score: 43/100 (Sound)
- Refinance: 22 loans, Score: 34/100 (Acceptable)

**Jumbo:**
- Purchase: 42 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 218 | $157M | +0.140% | Sound ☺️ |
| Refinance | 42/100 | 39 | $40M | +0.157% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 182 | 0.16% | 73/100 |
| NJ | 21 | 0.02% | 49/100 |
| FL | 15 | 0.01% | 40/100 |
| CT | 11 | 0.03% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 162 | 76/100 |
| Nassau County | NY | 14 | 47/100 |
| Bridgeport | CT | 11 | 45/100 |

## Where This Lender Ranks

GuardHill Financial Corp. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does GuardHill Financial Corp. offer?

GuardHill Financial Corp. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GuardHill Financial Corp. offer mortgages?

GuardHill Financial Corp. offers mortgages in 15 states: CA, CO, CT, FL, GA, IL, MA, MD, NJ, NY, PA, TN, TX, VA, VT.

### How competitive are GuardHill Financial Corp.'s mortgage rates?

GuardHill Financial Corp. has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.142% above market average.

### What type of lender is GuardHill Financial Corp.?

GuardHill Financial Corp. is a non-depository lender that specializes in mortgage origination, headquartered in New York, NY.

### What is GuardHill Financial Corp.'s loan approval success rate?

GuardHill Financial Corp. has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guardhill-financial

### How to Cite

> "GuardHill Financial Corp. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guardhill-financial

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