Name of the lender

GuardHill Financial LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: New York, NY
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

GuardHill Financial LLC reported 441 mortgage applications in the HMDA data of 2025.

It originated 285 loans in 2025, for $280 million in total.

The median interest rate of its loans in 2025 was 6.750%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $8,119, and the national median was $6,413.

It denied 8.3% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of GuardHill Financial LLC, 2025
Figure	This lender	United States
Applications	441Under 0.1% of the US total	11,766,671
Loans originated	285$280 million	6,827,891
Median interest rate	6.750%	6.375%
Median total loan costs	$8,119	$6,413
Denial rate	8.3%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of GuardHill Financial LLC by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	283	6.750%US 6.375%	$8,119US $6,413	0.205US 0.161
Conventional	282	6.750%US 6.500%	$8,112US $5,393	0.203US 0.175

Interest rate and total loan costs of GuardHill Financial LLC by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	215	6.750%US 6.500%	$7,617US $6,632	0.199US 0.169
Refinancing	34	6.500%US 5.999%	$8,452US $4,883	0.120US −0.069
Cash-out refinancing	34	7.125%US 6.500%	$10,098US $8,095	0.569US 0.376

Parts of the total loan costs of GuardHill Financial LLC by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$2,485US $2,062	$7,690US $2,823	$650US $567
Conventional	$2,485US $1,981	$7,700US $2,588	$650US $604

The median rate spread of these loans was 0.205 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $615 more a year, or $51 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: GuardHill Financial LLC and the United States

GuardHill Financial LLCUnited States

Action takenHMDA codes and labels

Records of GuardHill Financial LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	285	64.6%	50.4%
2Application approved but not accepted	1	0.2%	3.1%
3Application denied	26	5.9%	15.6%
4Application withdrawn by applicant	126	28.6%	12.6%
5File closed for incompleteness	3	0.7%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of GuardHill Financial LLC by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	9	34.6%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	4	15.4%	25.6%
4Collateral	6	23.1%	13.8%
5Insufficient cash (downpayment, closing costs)	0	0.0%	2.3%
6Unverifiable information	4	15.4%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	3	11.5%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of GuardHill Financial LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	440	284	8.4%US 23.4%
FHA-insured	1	1	n/aUS 21.8%

Applications of GuardHill Financial LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	327	217	76.1%
Home improvement	0	0	0.0%
Refinancing	51	34	11.9%
Cash-out refinancing	63	34	11.9%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends5 states with 25 applications or more

GuardHill Financial LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	26	17	n/a	n/a	n/a
Connecticut	27	21	6.625%	$9,588	n/a
Florida	26	14	n/a	n/a	n/a
New Jersey	28	22	6.938%	$7,346	n/a
New York	300	188	6.750%	$7,304	9.1%

Counties of GuardHill Financial LLC with 50 applications or more, 2025In order of the names. The list has the 2 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Kings County, NY	61	36	$39.0 million	9.8%
New York County, NY	138	92	$80.2 million	7.1%

Figures by yearHMDA 2022 to 2025

GuardHill Financial LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	441	285	6.750%	$8,119	8.3%	441
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: GuardHill Financial LLC and the United States

GuardHill Financial LLCUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Adirondack BankUtica, NY
Amalgamated BankNew York, NY
Ballston Spa National BankBallston Spa, NY
Chemung Canal Trust CompanyElmira, NY
Dime Community BankHauppauge, NY
GPO Federal Credit UnionNew Hartford, NY
Mid-Island Mortgage Corp.Westbury, NY
Pioneer Bank, National AssociationAlbany, NY
Pittsford Federal Credit UnionPittsford, NY
The Bank of Greene CountyCatskill, NY
Tioga State Bank, N.A.Spencer, NY
Western Division Federal Credit UnionWilliamsville, NY

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "GuardHill Financial LLC mortgage rates and denial rate, 2025", https://lenderregister.com/lender/254900ire136hfei2562-guardhill-financial-llc/
Lender: GuardHill Financial LLC, LEI 254900IRE136HFEI2562
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did GuardHill Financial LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did GuardHill Financial LLC code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (9), collateral (6) and credit history (4).
In which states did GuardHill Financial LLC originate the most loans in 2025?: The three states with the most loans were New York (188), New Jersey (22) and Connecticut (21). It had 25 applications or more in 5 states.
Which loan types did GuardHill Financial LLC originate in 2025?: 284 conventional and 1 FHA.