Guardian Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
80th1.3% deniedProcesswithdrawn + incomplete share, weight 15%
68th2.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 133 | 125 | 3.8% | 3.9% | — | $21M |
| 2024 | 164 | 159 | 1.8% | 1.9% | — | $36M |
| 2025 | 160 | 152 | 1.3% | 1.3% | — | $51M |
What Guardian Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 25 manufactured homes, 90 investment properties.
Who gets approved at Guardian Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 19 | 4.8% |
| $50k – $100k | 38 | 35 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 26 | 24 | 0.0% |
| 55–64 | 21 | 21 | 0.0% |
Where Guardian Bank lends
3 states and 22 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Guardian Bank denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of investment-property lenders.
In 2025, 19% of its applications were for home purchases, 71% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.