# Guardian Savings Bank > **Canonical URL:** https://saferate.com/lenders/guardian-savings-bank > **πŸ“‹ 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 Guardian Savings Bank is a bank, headquartered in West Chester, OH, serving borrowers across 12 states, with 1,212 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 45% of lenders for competitive rates - **Approval Rate:** Ranks in the top 26% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300ENNFGLHCMQ1U82 - **Headquarters:** West Chester, OH - **Geographic Reach:** Multi-Region - **States Served:** 12 - **State List:** AL, FL, GA, IL, IN, KY, LA, NC, OH, SC, TN, WV - **Markets (MSAs):** 4 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 99.9% - **Brokered/Wholesale:** 0.1% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 55/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 74/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.163% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,169 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,212 - **Dollar Volume:** $382 million - **Applications Received:** 1,651 - **Market Share:** 3.00% ## Typical Borrower Profile - **Average Loan Amount:** $315,206 - **Average Borrower Income:** $146,085 - **Average Property Value:** $466,625 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (71%) - ⭐ **Purchase Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 77/100 | 1,080 | +0.161% | $1,275 | Strong πŸ˜€ | | FHA | 66/100 | 90 | +0.317% | $211 | Strong πŸ˜€ | | VA | 59/100 | 18 | -0.573% | $-154 | Sound ☺️ | | Jumbo | 69/100 | 19 | +0.143% | $162 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 757 loans, Score: 74/100 (Strong) - Refinance: 323 loans, Score: 79/100 (Strong) **FHA:** - Purchase: 85 loans, Score: 65/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 73/100 | 881 | $298M | +0.189% | Strong πŸ˜€ | | Refinance | 77/100 | 331 | $84M | +0.094% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | KY | 756 | 1.63% | 92/100 | | OH | 405 | 0.30% | 76/100 | | IN | 26 | 0.03% | 46/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Cincinnati, OH | | 765 | 98/100 | | Lexington | KY | 289 | 96/100 | | Non | | 71 | 44/100 | | Louisville/Jefferson County, KY | KY-IN | 48 | 61/100 | ## Where This Lender Ranks Guardian Savings Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Lexington for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Cincinnati, OH for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Lexington for VA Loans (Banks) - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/va-loans) - πŸ† **#6** in Kentucky for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/fha-loans) - πŸ† **#6** in Lexington for FHA Loans - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans) - πŸ† **#6** in Louisville/Jefferson County, KY for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#7** in Louisville/Jefferson County, KY for Jumbo Loans - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans) - πŸ† **#8** in Cincinnati, OH for FHA Loans - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Kentucky for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/usda-loans) - πŸ† **#8** in Lexington for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#9** in Lexington Banks - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks) - πŸ† **#10** in Cincinnati, OH for VA Loans (Banks) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/va-loans) - πŸ† **#11** in Cincinnati, OH for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#11** in Kentucky for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#11** in Lexington - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders) - πŸ† **#11** in Louisville/Jefferson County, KY for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/fha-loans) - πŸ† **#12** in Ohio for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/fha-loans) - πŸ† **#12** in Lexington for Conventional Loans - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/conventional-loans) - πŸ† **#13** in Cincinnati, OH Banks - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks) - πŸ† **#13** in Cincinnati, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans) ## Frequently Asked Questions ### What loan types does Guardian Savings Bank offer? Guardian Savings Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Guardian Savings Bank offer mortgages? Guardian Savings Bank offers mortgages in 12 states: AL, FL, GA, IL, IN, KY, LA, NC, OH, SC, TN, WV. ### How competitive are Guardian Savings Bank's mortgage rates? Guardian Savings Bank has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.163% above market average. ### What type of lender is Guardian Savings Bank? Guardian Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in West Chester, OH. ### What is Guardian Savings Bank's loan approval success rate? Guardian Savings Bank has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/guardian-savings-bank ### How to Cite > "Guardian Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guardian-savings-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/guardian-savings-bank)**