Guardian Savings Bank in Ohio vs the state
13.2%Denial rate-4.54 pts vs state
14.8%Decision denial rate-7.06 pts vs state
72.6%Origination rate+12.74 pts vs state
6.75%Median rate-0.13 pts vs state
0.28Rate spread (pts)-0.11 pts vs state
$126kMedian applicant income
823Loans originated
149Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 888 | 636 | 15.0% | 6.75% | #83 |
| 2024 | 976 | 677 | 16.0% | 6.88% | #80 |
| 2025 | 1,133 | 823 | 13.2% | 6.75% | #78 |
What Guardian Savings Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Guardian Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 517 | 377 | 66 | 12.8% |
| Clermont County | 232 | 170 | 24 | 10.3% |
| Butler County | 164 | 128 | 22 | 13.4% |
| Warren County | 130 | 91 | 20 | 15.4% |
| Montgomery County | 22 | 12 | 6 | 27.3% |
| Brown County | 21 | 14 | 3 | 14.3% |
| Clinton County | 10 | 6 | 2 | 20.0% |
| Greene County | 7 | 5 | 1 | 14.3% |
| Franklin County | 7 | 4 | 2 | 28.6% |
| Highland County | 4 | 1 | 1 | 25.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 1,133 applications in 2025, of which 823 were originated and 149 denied.
13.2% of all applications, or 14.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Guardian Savings Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Guardian Savings Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology