Guardian Credit Union
Guardian Credit Union received 611 applications in 2025 and made 265 mortgages, in 36 counties across 3 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 568 decisions, 291 were denials — 51.2%, most often for credit history.
| Legal Entity Identifier | 549300GLDL4X3U4RFI74 |
|---|---|
| Applications received | 611 |
| Mortgages made | 265 |
| Denied | 291 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.301 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 67 | 7.250% | $215,000 | 53.0% |
| Refinancing | 80 | 6.750% | $70,000 | 27.8% |
| Cash-out refinancing | 109 | 7.250% | $65,000 | 59.9% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 47.1% |
Where Guardian Credit Union lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elmore County, AL | 66 | 7.125% | 33.7% |
| Montgomery County, AL | 60 | 7.250% | 58.3% |
| Autauga County, AL | 52 | 7.250% | 46.5% |
| Chilton County, AL | 21 | 7.500% | 48.8% |
| Butler County, AL | 13 | 7.000% | 59.4% |
| Covington County, AL | 7 | Under 10 loans | 63.2% |
| Dallas County, AL | 5 | Under 10 loans | 28.6% |
| Lee County, AL | 5 | Under 10 loans | 16.7% |
| Lowndes County, AL | 5 | Under 10 loans | 30.0% |
| Tallapoosa County, AL | 5 | Under 10 loans | 58.3% |
| Crenshaw County, AL | 4 | Under 10 loans | 66.7% |
| Pike County, AL | 4 | Under 10 loans | 73.3% |
| Shelby County, AL | 4 | Under 10 loans | 20.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Macon County, AL | 2 | Under 10 loans | 87.5% |
| Marengo County, AL | 2 | Under 10 loans | 0.0% |
| Coffee County, AL | 1 | Under 10 loans | 66.7% |
| Dale County, AL | 1 | Under 10 loans | 50.0% |
| Jefferson County, AL | 1 | Under 10 loans | 66.7% |
| Madison County, AL | 1 | Under 10 loans | 50.0% |
| Perry County, AL | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 1 | Under 10 loans | 50.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Barbour County, AL | 0 | Under 10 loans | 100.0% |
| Bibb County, AL | 0 | Under 10 loans | Not published |
| Bullock County, AL | 0 | Under 10 loans | 100.0% |
| Cullman County, AL | 0 | Under 10 loans | 100.0% |
| Geneva County, AL | 0 | Under 10 loans | Not published |
| Houston County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | 100.0% |
| St. Clair County, AL | 0 | Under 10 loans | 100.0% |
| Wilcox County, AL | 0 | Under 10 loans | 100.0% |
| Walton County, FL | 0 | Under 10 loans | 100.0% |
| Bryan County, GA | 0 | Under 10 loans | Not published |
| Cobb County, GA | 0 | Under 10 loans | 100.0% |
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When Guardian Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.