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Guardian Savings Bank
Bank|West Chester, OH|Multi-Region
Loans Originated
1,212
Applications
1,651
Volume
$382 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.163%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,169
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
Guardian Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$315,206
Average Borrower Income
$146,085
Average Property Value
$466,625
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,080 | 89.1% | +0.161% | $1,275 |
FHA Loans | Strong | Strong | Exceptional | Sound | 90 | 7.4% | +0.317% | $211 |
VA Loans | Sound | Sound | N/A | Strong | 18 | 1.5% | -0.573% | -$154 |
Jumbo Loans | Strong | Strong | N/A | Strong | 19 | 1.6% | +0.143% | $162 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 881 | 72.7% | +0.189% | $1,119 |
Refinance | Strong | Strong | Sound | Strong | 331 | 27.3% | +0.094% | $1,300 |
Geographic Coverage
Metro Areas
3
States Served
12
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
ALFLGAILINKYLANCOHSCTNWV
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 765Mix: 63.12%
Place Specialization
Exceptional
2
Lexington, KYMSA
Volume: 289Mix: 23.84%
Place Specialization
Exceptional
3
Louisville/Jefferson County, KY, KY-INMSA
Volume: 48Mix: 3.96%
Place Specialization
Strong
Top States by Place Specialization Score
1
KYState
Volume: 756Mix: 62.38%
Place Specialization
Exceptional
2
OHState
Volume: 405Mix: 33.42%
Place Specialization
Strong
3
INState
Volume: 26Mix: 2.15%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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