Applications / Mortgage Analytics / Lenders / Georgia / Guardian Bank / Competition
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
Who Guardian 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 — VALDOSTA, GA, 2025
Guardian Bank ranks 3rd of 238 lenders in Valdosta, GA, with $40.5M lent: 5.1% of a $786.0M market.
Valdosta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO GEORGIA, 2025
Guardian Bank ranks 249th of 683 lenders in non-metro Georgia, with $4.7M lent: 0.1% of a $8.64B market.
non-metro Georgia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian 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. 3 — NON-METRO FLORIDA, 2025
Guardian Bank ranks 171st of 564 lenders in non-metro Florida, with $3.4M lent: 0.1% of a $3.36B market.
non-metro Florida is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — TALLAHASSEE, FL, 2025
Guardian Bank ranks 229th of 372 lenders in Tallahassee, FL, with $495K lent: 0.0% of a $1.71B market.
Tallahassee, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Guardian Bank ranks 740th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $470K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — ROME, GA, 2025
Guardian Bank ranks 198th of 233 lenders in Rome, GA, with $205K lent: 0.0% of a $424.3M market.
Rome, GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — COLUMBUS, AL-GA, 2025
Guardian Bank ranks 255th of 318 lenders in Columbus, AL-GA, with $195K lent: 0.0% of a $1.54B market.
Columbus, AL-GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian 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 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GAINESVILLE, FL, 2025
Guardian Bank ranks 343rd of 367 lenders in Gainesville, FL, with $165K lent: 0.0% of a $1.76B market.
Gainesville, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Guardian 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
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