Guardian Bank in Georgia vs the state
1.3%Denial rate-17.88 pts vs state
1.4%Decision denial rate-23.69 pts vs state
94.6%Origination rate+40.54 pts vs state
—Median rate
—Rate spread (pts)
$87kMedian applicant income
141Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 119 | 3.9% | — | #277 |
| 2024 | 162 | 157 | 1.9% | — | #259 |
| 2025 | 149 | 141 | 1.3% | — | #281 |
What Guardian Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Guardian Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 82 | 81 | 0 | 0.0% |
| Mitchell County | 32 | 31 | 1 | 3.1% |
| Atkinson County | 11 | 7 | 1 | 9.1% |
| Lanier County | 4 | 4 | 0 | 0.0% |
| Coffee County | 4 | 4 | 0 | 0.0% |
| Colquitt County | 3 | 3 | 0 | 0.0% |
| Berrien County | 3 | 3 | 0 | 0.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Ware County | 2 | 2 | 0 | 0.0% |
| Thomas County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 149 applications in 2025, of which 141 were originated and 2 denied.
1.3% of all applications, or 1.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Guardian Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology