# Guardian Savings Bank

> **Canonical URL:** https://saferate.com/lenders/guardian-savings-bank

> **📋 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 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 66/100 | 90 | +0.317% | $211 | Strong 😀 |
| VA | 59/100 | 18 | -0.573% | $-154 | Sound ☺️ |
| Jumbo | 69/100 | 19 | +0.143% | $162 | Strong 😀 |

### 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 😀 |
| Refinance | 77/100 | 331 | $84M | +0.094% | Strong 😀 |

## 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 |

## 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.

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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:** 2026-05-29
**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

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