Lender in Kentucky · HMDA 2025
Guardian Savings Bank mortgages in Kentucky
Guardian Savings Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Guardian Savings Bank originated 1,045 owner-occupied single-family loans in Kentucky from 1,163 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $1,610 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
1,045
of 1,163 applications
Denial rate
7.0%
Purchase · KY 8.2%
Rate spread
+0.19 pts
Conv. · KY +0.21 pts
Loan amount
$295,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 714 | 653 | 7.0% | 6.625% | +0.19 pts | $1,610 | $295,000 |
| Refinance | 328 | 292 | 7.9% | 6.375% | −0.09 pts | $820 | $295,000 |
| Cash-out refinance | 121 | 100 | 14.9% | 6.625% | +0.22 pts | $1,450 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Guardian Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jessamine County | 2 | 59 | 7.1% |
| Fayette County | 3 | 242 | 6.8% |
| Kenton County | 3 | 203 | 6.6% |
| Boone County | 3 | 159 | 6.2% |
| Campbell County | 3 | 99 | 6.1% |
| Woodford County | 3 | 25 | 7.2% |
| Scott County | 5 | 44 | 3.7% |
| Grant County | 7 | 13 | 3.9% |
| Anderson County | 7 | 12 | 3.3% |
| Clark County | 9 | 16 | 3.0% |
| Mercer County | 10 | 8 | 2.4% |
| Pendleton County | 10 | 5 | 2.8% |
| Madison County | 11 | 32 | 2.2% |
| Franklin County | 11 | 15 | 2.1% |
| Boyle County | 13 | 8 | 2.0% |
| Bourbon County | 14 | 4 | 1.8% |
| Morgan County | 17 | 1 | 2.4% |
| Garrard County | 18 | 5 | 1.8% |
| Lincoln County | 18 | 4 | 1.6% |
| Nicholas County | 21 | 1 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology