Lender in Ohio · HMDA 2025
Guardian Savings Bank mortgages in Ohio
Guardian Savings Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Guardian Savings Bank originated 523 owner-occupied single-family loans in Ohio from 627 completed applications.
Its median conventional purchase loan costs were $1,560 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.625% (Ohio: 6.625%).
Loans in OH
523
of 627 applications
Denial rate
11.5%
Purchase · OH 7.1%
Rate spread
+0.19 pts
Conv. · OH +0.22 pts
Loan amount
$305,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 400 | 345 | 11.5% | 6.625% | +0.19 pts | $1,560 | $305,000 |
| Refinance | 142 | 118 | 13.4% | 6.375% | −0.06 pts | $790 | $285,000 |
| Cash-out refinance | 85 | 60 | 25.9% | 6.500% | +0.14 pts | $1,330 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Guardian Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clermont County | 7 | 106 | 2.8% |
| Hamilton County | 9 | 230 | 2.1% |
| Butler County | 18 | 77 | 1.4% |
| Warren County | 18 | 68 | 1.4% |
| Brown County | 20 | 9 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology