Guardian Savings Bank in Florida vs the state
12.5%Denial rate-8.56 pts vs state
15.8%Decision denial rate-11.45 pts vs state
66.7%Origination rate+13.98 pts vs state
6.75%Median rate+0.13 pts vs state
0.27Rate spread (pts)0.00 pts vs state
$179kMedian applicant income
16Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 10 | 14.3% | 6.13% | #906 |
| 2024 | 12 | 10 | 0.0% | 7.00% | #878 |
| 2025 | 24 | 16 | 12.5% | 6.75% | #735 |
What Guardian Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Guardian Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 3 | 2 | 1 | 33.3% |
| Sarasota County | 3 | 2 | 0 | 0.0% |
| Santa Rosa County | 2 | 2 | 0 | 0.0% |
| Sumter County | 2 | 1 | 0 | 0.0% |
| Escambia County | 2 | 1 | 1 | 50.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Charlotte County | 2 | 1 | 0 | 0.0% |
| Gadsden County | 1 | 1 | 0 | 0.0% |
| Volusia County | 1 | 0 | 0 | 0.0% |
| Indian River County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 24 applications in 2025, of which 16 were originated and 3 denied.
12.5% of all applications, or 15.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Guardian Savings Bank originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Guardian Savings Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology