Guardian Savings Bank in North Carolina vs the state
12.5%Denial rate-5.56 pts vs state
33.3%Decision denial rate+10.51 pts vs state
12.5%Origination rate-45.31 pts vs state
7.00%Median rate+0.50 pts vs state
0.51Rate spread (pts)+0.42 pts vs state
$104kMedian applicant income
1Loans originated
1Denied
What Guardian Savings Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Guardian Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 3 | 1 | 0 | 0.0% |
| Guilford County | 2 | 0 | 1 | 50.0% |
| Bertie County | 1 | 0 | 0 | 0.0% |
| Wake County | 1 | 0 | 0 | 0.0% |
| Buncombe County | 1 | 0 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 8 applications in 2025, of which 1 were originated and 1 denied.
12.5% of all applications, or 33.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Guardian Savings Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Guardian Savings Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology