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GuardHill Financial

Independent Mortgage Company•New York, NYHQ•Direct•Reviews near you on Google

GuardHill Financial has 257 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 3 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

GuardHill Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+14.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume196
Mix76.3%
Spread
+0.141%Above
Fees
$2,826Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume59
Mix23.0%
Spread
+0.154%Above
Fees
$1,897Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume218
Mix84.8%
Spread
+0.140%Above
Fees
$2,704Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume39
Mix15.2%
Spread
+0.157%Above
Fees
$2,467Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
257
Applications
393
Volume
$197 million
Pricing & Closing
Avg Rate Spread
+0.142%
vs. market APOR
Avg Net Fees
$2,675
Origination − Credits
Pullthrough Rate
65.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$767,529
Avg Borrower Income
$482,755
Avg Property Value
$1,287,101

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

15
15 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANJNYPAVT
Midwest1
IL
South6
FLGAMDTNTXVA
West2
CACO

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 162Mix 63.04% of portfolio
76/100
Strong
2© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 14Mix 5.45% of portfolio
47/100
Sound
3© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 11Mix 4.28% of portfolio
45/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 182Mix 70.82% of portfolio
73/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 21Mix 8.17% of portfolio
49/100
Sound
Connecticut
Connecticut
3
ConnecticutState
Volume 11Mix 4.28% of portfolio
42/100
Sound
Florida
Florida
4
FloridaState
Volume 15Mix 5.84% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.