Guardian Savings Bank in Kentucky vs the state
8.5%Denial rate-10.32 pts vs state
9.5%Decision denial rate-14.03 pts vs state
79.0%Origination rate+20.96 pts vs state
6.63%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.12 pts vs state
$120kMedian applicant income
1,396Loans originated
150Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,190 | 913 | 11.9% | 6.63% | #33 |
| 2024 | 1,405 | 1,070 | 12.9% | 6.88% | #30 |
| 2025 | 1,767 | 1,396 | 8.5% | 6.63% | #24 |
What Guardian Savings Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Guardian Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 393 | 306 | 41 | 10.4% |
| Fayette County | 367 | 305 | 21 | 5.7% |
| Boone County | 274 | 217 | 20 | 7.3% |
| Campbell County | 183 | 147 | 15 | 8.2% |
| Jefferson County | 91 | 67 | 11 | 12.1% |
| Jessamine County | 84 | 72 | 8 | 9.5% |
| Scott County | 61 | 49 | 7 | 11.5% |
| Madison County | 57 | 41 | 4 | 7.0% |
| Woodford County | 36 | 30 | 3 | 8.3% |
| Grant County | 28 | 24 | 1 | 3.6% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,767 applications in 2025, of which 1,396 were originated and 150 denied.
8.5% of all applications, or 9.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Guardian Savings Bank originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Guardian Savings Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology