Guardian Credit Union in Alabama vs the state
47.5%Denial rate+27.68 pts vs state
51.2%Decision denial rate+26.15 pts vs state
43.4%Origination rate-11.97 pts vs state
7.25%Median rate+0.75 pts vs state
0.30Rate spread (pts)+0.01 pts vs state
$77kMedian applicant income
264Loans originated
289Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 809 | 458 | 30.4% | 7.25% | #50 |
| 2024 | 952 | 368 | 52.0% | 7.25% | #50 |
| 2025 | 608 | 264 | 47.5% | 7.25% | #76 |
What Guardian Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Guardian Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 177 | 60 | 95 | 53.7% |
| Elmore County | 109 | 66 | 34 | 31.2% |
| Autauga County | 108 | 52 | 46 | 42.6% |
| Chilton County | 44 | 21 | 20 | 45.5% |
| Butler County | 33 | 13 | 19 | 57.6% |
| Covington County | 21 | 7 | 12 | 57.1% |
| Pike County | 17 | 4 | 11 | 64.7% |
| Macon County | 17 | 2 | 14 | 82.4% |
| Tallapoosa County | 12 | 5 | 7 | 58.3% |
| Crenshaw County | 12 | 4 | 8 | 66.7% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 608 applications in 2025, of which 264 were originated and 289 denied.
47.5% of all applications, or 51.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Guardian Credit Union originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Guardian Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology