Guardian Savings Bank
2,310 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,310
- Median rate
- 6.750%
- Median lender fees
- $1,390
- Median loan amount
- $235,000
- Median spread over APOR
- 0.222
- Paid discount points
- 3.5%
- Received lender credits
- 8.7%
- Purchases / refinances
- 50.9% / 31.4%
- Conventional / FHA / VA
- 95.2% / 4% / 0.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76.5% of loans here — see methodology.
Where Guardian Savings Bank lent
States with at least 50 loans in 2025, ranked by volume.