We analyzed every closed loan from Guardian Savings Bank — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Explore another lender or local market
Report Card
Guardian Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,080 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
FHA
90 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
VA
18 loans · 0.57% below market
Sound
Top 60% of lenders
3/5
Jumbo
19 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
881 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
Refinance
331 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,080 | 89.1% | +0.161%Above | $1,275Fees | ||||
FHA Loans | 90 | 7.4% | +0.317%Above | $211Fees | ||||
VA Loans | — | 18 | 1.5% | -0.573%Below | $154Credit | |||
Jumbo Loans | — | 19 | 1.6% | +0.143%Above | $162Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,080
Mix89.1%
Spread
+0.161%Above
Fees
$1,275Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume90
Mix7.4%
Spread
+0.317%Above
Fees
$211Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume18
Mix1.5%
Spread
-0.573%Below
Fees
$154Credit
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix1.6%
Spread
+0.143%Above
Fees
$162Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 881 | 72.7% | +0.189%Above | $1,119Fees | ||||
Refinance | 331 | 27.3% | +0.094%Above | $1,300Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume881
Mix72.7%
Spread
+0.189%Above
Fees
$1,119Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume331
Mix27.3%
Spread
+0.094%Above
Fees
$1,300Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,212
Applications
1,651
Volume
$382 million
Pricing & Closing
Avg Rate Spread
+0.163%
vs. market APOR
Avg Net Fees
$1,169
Origination − Credits
Pullthrough Rate
73.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$315,206
Avg Borrower Income
$146,085
Avg Property Value
$466,625
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 2020–500500+None
Midwest3
ILINOH
South9
ALFLGAKYLANCSCTNWV
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Guardian Savings Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.