Name of the lender

GuardHill Financial LLC in New YorkMortgage rates, total loan costs and denial rate for homes in New York, 2025

HMDA year2025

StateNew York

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

All states of this lender

GuardHill Financial LLC reported 300 applications for homes in New York in the HMDA data of 2025.

It originated 188 loans in the state in 2025, for $168 million in total.

The median interest rate of these loans in 2025 was 6.750%, and the median of all lenders in New York was 6.500%.

The median total loan costs in 2025 were $7,304, and the state median was $6,527.

It denied 9.1% of the applications that it decided in the state in 2025, and the state denial rate was 24.0%.

Filed figures of GuardHill Financial LLC in New York, 2025
Figure	In NY	Lender, all states	NY, all lenders
Applications	300	441	389,757
Loans originated	188	285	232,239
Median interest rate	6.750%	6.750%	6.500%
Median total loan costs	$7,304	$8,119	$6,527
Denial rate	9.1%	8.3%	24.0%

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.

PricingMedians of 2025 loans in NY

Pricing medians of GuardHill Financial LLC in New York, 2025Each value has the median of all lenders in New York under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in NY	186	6.750%NY 6.500%	$7,304NY $6,527	$2,485NY $1,990	$7,150NY $2,475	$895NY $659	0.193NY 0.152

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.193 percentage points above the average prime offer rate. On a loan of $300,000, that is about $579 more a year, or $48 more a month.

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.

Action taken and loan types

Records in New York by the action taken
Action taken	Records	Share
1Loan originated	188	62.7%
2Application approved but not accepted	1	0.3%
3Application denied	19	6.3%
4Application withdrawn by applicant	90	30.0%
5File closed for incompleteness	2	0.7%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in New York by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	299	187	9.2%
FHA-insured	1	1	n/a

Counties in New York

Counties of GuardHill Financial LLC in New York with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Kings County	61	36	$39.0 million	9.8%
New York County	138	92	$80.2 million	7.1%
Suffolk County	29	17	$20.7 million	n/a
Westchester County	27	17	$11.2 million	n/a

Figures by year

GuardHill Financial LLC in New York by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	300	188	$168 million	6.750%	$7,304	9.1%
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

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, 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 in New York: mortgage rates, 2025", https://lenderregister.com/lender/254900ire136hfei2562-guardhill-financial-llc/ny/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
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. They are the records of this LEI for homes in New York. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of GuardHill Financial LLC were in New York in 2025?: 188 of its loans originated, out of 285 in all states. That is 66.0%.
In which counties of New York did GuardHill Financial LLC originate the most loans in 2025?: The three with the most loans were New York County (92), Kings County (36) and Suffolk County (17).
Which loan types did GuardHill Financial LLC originate in New York in 2025?: 187 conventional and 1 FHA.
What share of the applications in New York did GuardHill Financial LLC report in 2025?: 0.1%: 300 out of 389,757 applications of all lenders in the state.