Applications / Mortgage Analytics / Lenders / Ohio / Guardian Savings Bank
West Chester, OH · Savings institution · FDIC · $1.4 billion assets · 2,310 loans in 2025
Guardian Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,310
loans originated, 2025
3,023
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guardian Savings Bank leads the Lexington-Fayette market, ranking 1 of 389 lenders, and its loans rose 27% in 2025, faster than nearly nine in ten similar lenders.
Its share of Lexington-Fayette lending rose to 4.5% from 3.5%, ahead of Rocket Mortgage and the University of Kentucky. In Cincinnati, where it has lent since before 1990, it ranked 8 of 621 with 2.6%, up from 2.2%. Kentucky is its main state, though its head office is in Ohio.
Similar lenders are savings institutions making between half and twice as many loans. Its originations rose 27% to 2,310, against 7% for similar lenders and 10% for the whole market, and the amount it lent rose to $669.5 million from $458.3 million. Purchases made up 50.9% of its loans and refinancing 31.4%.
It bought 239 loans in 2025 where the typical similar lender bought 2, more than nearly all of them. That was down from 487 a year earlier, but up from 1 five years before, so buying loans is a recent part of its business.
Its typical rate of 6.75% was close to similar lenders' 6.64%, and 0.2% of its loans were higher-priced (a rate well above the average for similar loans) against 1.0%. It turned down 12.5% of first-lien refinance applications on owner-occupied homes, lower than similar lenders' 18.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guardian Savings Bank took 3,023 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 31.4% · Other 14.3% · Home improvement 3.4%
Conventional 95.2% · FHA 4.0% · VA 0.4% · USDA (RHS or FSA) 0.3% · of 2,310 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,396 | 60.4% |
| Ohio | 823 | 35.6% |
| Indiana | 52 | 2.3% |
| Florida | 16 | 0.7% |
| South Carolina | 6 | 0.3% |
| Colorado | 3 | 0.1% |
| Illinois | 2 | 0.1% |
| Michigan | 2 | 0.1% |
| Minnesota | 2 | 0.1% |
| Tennessee | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 1,515 |
| Lexington-Fayette | 479 |
| Louisville/Jefferson County | 97 |
| Dayton-Kettering-Beavercreek | 17 |
| Columbus | 10 |
| Charleston-North Charleston | 3 |
| Indianapolis-Carmel-Greenwood | 3 |
| Pensacola-Ferry Pass-Brent | 3 |
| Cape Coral-Fort Myers | 2 |
| Cleveland | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ENNFGLHCMQ1U82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 727174 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4709 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700709 | 2011–2017 |
Established 1 January 1895. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Guardian Savings Bank's data.
Guardian Savings Bank's data
$215
Guardian Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Guardian Savings Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]