Guardian Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th17.5% deniedPricingmedian rate spread over APOR, weight 30%
42nd0.34 ptsProcesswithdrawn + incomplete share, weight 15%
21st19.5%Closing coststotal loan costs ÷ loan amount, weight 10%
20th2.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 270 | 171 | 14.1% | 18.2% | — | $19M |
| 2024 | 138 | 95 | 10.1% | 12.8% | — | $16M |
| 2025 | 149 | 98 | 14.1% | 17.5% | 6.63% | $16M |
What Guardian Credit Union 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, 2 manufactured homes, 3 investment properties.
Why Guardian Credit Union denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Guardian Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 54 | 36 | 21.3% |
| $100k – $150k | 37 | 27 | 10.0% |
| $150k – $250k | 28 | 23 | 4.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 30 | 20 | 16.7% |
| 45–54 | 35 | 25 | 18.8% |
| 55–64 | 36 | 22 | 21.4% |
| 65–74 | 20 | 14 | 12.5% |
Where Guardian Credit Union lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 149 | 98 | 14.1% | 6.63% | #205 |
Frequently asked questions
Guardian Credit Union denied 17.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
The most common reason Guardian Credit Union gave in 2025 was "credit history", cited on 57.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Guardian Credit Union originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 28% of its applications were for home purchases, 17% for refinancing (including cash-out), and 54% 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.