Applications / Mortgage Analytics / Lenders / Ohio / Guardian Savings Bank / Competition
Guardian Savings Bank
West Chester, OH · Savings institution · FDIC · $1.4 billion assets · 2,310 loans in 2025
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2,310
loans originated, 2025
3,023
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Who Guardian Savings Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CINCINNATI, IN-KY-OH, 2025
Guardian Savings Bank ranks 8th of 621 lenders in Cincinnati, IN-KY-OH, with $410.2M lent: 2.6% of a $15.96B market.
Cincinnati, IN-KY-OH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LEXINGTON-FAYETTE, KY, 2025
Guardian Savings Bank ranks 1st of 389 lenders in Lexington-Fayette, KY, with $164.5M lent: 4.5% of a $3.62B market.
Lexington-Fayette, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — LOUISVILLE/JEFFERSON COUNTY, IN-KY, 2025
Guardian Savings Bank ranks 61st of 510 lenders in Louisville/Jefferson County, IN-KY, with $36.6M lent: 0.4% of a $9.69B market.
Louisville/Jefferson County, IN-KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO KENTUCKY, 2025
Guardian Savings Bank ranks 45th of 537 lenders in non-metro Kentucky, with $30.2M lent: 0.6% of a $5.26B market.
non-metro Kentucky is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — COLUMBUS, OH, 2025
Guardian Savings Bank ranks 275th of 596 lenders in Columbus, OH, with $3.6M lent: 0.0% of a $16.93B market.
Columbus, OH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — WEIRTON-STEUBENVILLE, OH-WV, 2025
Guardian Savings Bank ranks 46th of 149 lenders in Weirton-Steubenville, OH-WV, with $805K lent: 0.3% of a $241.2M market.
Weirton-Steubenville, OH-WV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 63% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO MISSOURI, 2025
Guardian Savings Bank ranks 422nd of 640 lenders in non-metro Missouri, with $655K lent: 0.0% of a $6.01B market.
non-metro Missouri is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Guardian Savings Bank ranks 544th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $590K lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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.
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