Applications / Mortgage Analytics / Lenders / Florida / Guardians Credit Union
West Palm Beach, FL · Credit union · NCUA · $299 million assets · 43 loans in 2025
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43
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guardians Credit Union makes no purchase or refinance loans at all: its 43 loans in 2025 were home-improvement and other loans, most of them in majority-minority neighborhoods of Florida.
Home-improvement loans were 65.1% of its lending and other loans the remaining 34.9%. Its typical loan was $95,000, the same as at similar lenders, which here means credit unions making between half and twice as many loans. Its count rose 19%, from 36 to 43, against 3% for peers. That is still well below the 140 loans it made in 2019.
Some 60.5% of its loans went to majority-minority neighborhoods, against 9.3% for similar credit unions, higher than about nine in ten of them. Another 34.9% went to low- and moderate-income neighborhoods, about double the peer share of 17.2%. Its largest market is Miami-Fort Lauderdale-West Palm Beach, where it has lent since 1992.
About 30.2% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 3.1% for peers. Its typical rate was 7.75%, against 6.75%. Home-improvement and other loans usually carry higher rates than first mortgages, and they are all this lender makes, which could account for most of the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guardians Credit Union took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 65.1% · Other 34.9%
Conventional 100.0% · of 43 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 |
|---|---|---|
| Florida | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| West Palm Beach-Boca Raton-Delray Beach | 27 |
| Miami-Miami Beach-Kendall | 6 |
| Port St. Lucie | 5 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Palm Bay-Melbourne-Titusville | 2 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900T8NVZTD1Q8U318 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 307697 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567521 | 1992–2017 |
Established 1 January 1991. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Guardians Credit Union's data.
Guardians Credit Union's data
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Guardians Credit Union 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.
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