Third in Valdosta
In Valdosta, GA, its biggest market, it ranks 3 of 238 lenders. Its share rose 1.2 points, from 3.9% to 5.1%. Only Ameris Bank and Mortgage Research Center lent more. It has reported loans there since 2004.
Applications / Mortgage Analytics / Lenders / Georgia / Guardian Bank
Guardian Bank
Valdosta, GA · State non-member bank · FDIC · $591 million assets · 152 loans in 2025
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152
loans originated, 2025
160
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guardian Bank ranks third among mortgage lenders in Valdosta, and its share of that market grew in 2025 even though it made slightly fewer loans.
Refinances and manufactured homes
Refinances made up 74.3% of its loans. Manufactured homes took 12.5%, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans). Its typical loan was $100,000, against $175,000, lower than at about nine in ten of them.
Fewer loans, more dollars
It made 152 loans, 4% fewer than in 2024, while similar lenders grew 10%. Yet the dollars it lent rose to $50.6 million from $35.6 million, more than at about seven in ten similar lenders. With so small a typical loan, a few large loans may account for the rise.
Poorer and majority-minority neighborhoods
Of its loans, 41.7% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.5% at similar lenders. Majority-minority neighborhoods took 31.6%, against 5.1%. LMI borrowers took 27.4%, near the middle. The markets it serves around Valdosta may account for much of this.
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
152 loans in 2025, against a peak of 212 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guardian Bank took 160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
74.3% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 74.3% · Purchase 17.8% · Home improvement 5.3% · Other 2.6%
Conventional 100.0% · of 152 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
3 states, 9 metros, 20 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 141 | 92.8% |
| Florida | 10 | 6.6% |
| Alabama | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Valdosta | 85 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Columbus | 1 |
| Dothan | 1 |
| Gainesville | 1 |
| Panama City-Panama City Beach | 1 |
| Rome | 1 |
| Savannah | 1 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZWDLZRZ1IY7113 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2989006 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357127 | 2004–2017 |
Established 1 May 2001. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Guardian Bank's data.
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