Guardhill Financial Corp.
New York, NY · What the federal mortgage record shows about how Guardhill Financial Corp. treated New Jersey applicants, 2018–2025 — 442 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 442 New Jersey applications Guardhill Financial Corp. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Guardhill Financial Corp.’s rates ran -0.03 pp in line with than the typical New Jersey lender (average rate spread +0.20 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Guardhill Financial Corp. approves
Why Guardhill Financial Corp. denied applications
Where Guardhill Financial Corp. lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Monmouth County | 90 | 86.7% |
| Essex County | 85 | 92.9% |
| Bergen County | 83 | 95.2% |
| Hudson County | 51 | 92.2% |
| Morris County | 27 | 96.3% |
| Union County | 27 | 96.3% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Guardhill Financial Corp.’s home-purchase originations — 0.65 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $3,412. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Guardhill Financial Corp. to other lenders for your profile
Enter your income, county, DTI and down payment to see who approves borrowers like you.
Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Guardhill Financial Corp. (LEI 254900P6Q7UI8DAKYX49). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →