Guardian Mortgage 2025 Review: Rates, Programs & Customer Reviews

Guardian Mortgage Company is a regional mortgage lender serving multiple states with focus on personalized service and community lending. Founded in 1965, Guardian offers conventional, FHA, VA and USDA loans through local loan officers.

Quick answer: Is Guardian Mortgage a good lender?

Guardian Mortgage is a reputable regional lender founded in 1965 with 60+ years of experience. They offer competitive rates (6.20-6.40% avg in Nov 2025), personalized local service, and all major loan programs (conventional, FHA, VA, USDA). Best for borrowers who value in-person guidance and community relationships over digital-only experiences.

Bottom line: Guardian is ideal for borrowers seeking local expertise and hands-on support. However, compare with at least 2-3 other lenders to ensure you're getting the best rate. Get personalized quotes here.

Guardian Mortgage at a glance

Company info

Founded: 1965
Type: Regional lender
States served: Multiple (varies by division)
NMLS: Check specific branch

Loan programs

✓ Conventional loans
✓ FHA loans
✓ VA loans
✓ USDA loans
✓ Refinancing

Guardian Mortgage rates (2025)

6.30%

30-year fixed avg

5.80%

15-year fixed avg

6.15%

VA loan avg

Rates vary by location and borrower profile

Compare Guardian with other lenders: Best Mortgage Lenders 2025

Pros and cons

Pros

✓ Local, personalized service
✓ Competitive regional rates
✓ Experienced loan officers
✓ Community focus
✓ Full loan product lineup

Cons

✗ Limited geographic coverage
✗ Less advanced technology than online lenders
✗ Smaller branch network
✗ Fewer online reviews

Guardian Mortgage customer reviews

Customer feedback highlights:

Positive: Responsive loan officers, smooth closing process, local market knowledge
Negative: Limited online tools, processing times vary by branch

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How to apply with Guardian Mortgage

Find local branch: Contact Guardian office in your area
Meet with loan officer: Discuss your financial situation and goals
Get pre-approved: Submit documents for pre-approval letter
Find home: Use pre-approval to make offers
Complete application: Full underwriting and closing process

First-time buyer? Start here: First-Time Buyer Guide

Is Guardian Mortgage right for you?

Guardian is a good fit if you:

Value in-person service and local relationships
Live in Guardian's service area
Prefer working with experienced regional lenders
Want community-focused lending

Consider alternatives if you:

Prefer fully digital mortgage experience
Want cutting-edge technology and apps
Need nationwide lender availability

Frequently asked questions about Guardian Mortgage

Is Guardian Mortgage a legitimate lender?

Yes, Guardian Mortgage Company is a legitimate regional lender founded in 1965 with 60+ years of experience. They're licensed in multiple states and have originated billions in home loans. Always verify your local branch's NMLS number.

What states does Guardian Mortgage serve?

Guardian operates in multiple states through various divisions. Coverage varies by region. Contact your local Guardian branch or visit their website to confirm availability in your state.

How long does Guardian take to close a loan?

Guardian's average closing time is 30-35 days, typical for regional lenders. This is slightly longer than online lenders (21-25 days) but comparable to big banks. The trade-off is more personalized service.

Does Guardian Mortgage service their own loans?

Guardian may service some loans in-house or sell servicing rights to other companies. You'll be notified if your loan is transferred, but your rate and terms never change. This is standard industry practice.

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Guardian Mortgage 2025 Review