Guardian Loan Company Mortgage Lending & HMDA Data, 2006
In 2006, Guardian Loan Company of Clifton Park, NY reported 2,710 mortgage applications totaling $557.7 million, down 17% from 2005. The average application was for $205,793, and applicants reported an average income of $57,181. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (211), Washington-Arlington-Alexandria, DC-VA-MD-WV (186) and Nassau-Suffolk, NY (155) (applications in parentheses).
| Mortgage Company & Address | Guardian Loan Company 100 Clifton Corporate Parkway Clifton Park, NY 12065 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,710 |
| Total Mortgage Loan Application Amount | $557,700,000 |
| Average Mortgage Loan Application Amount | $205,793 |
| Highest Mortgage Loan Application Amount | $1,258,000 |
| Average Applicant Income | $57,181 |
| Highest Applicant Income | $462,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guardian Loan Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Suffolk, New York | 106 | $ 26,652,000 | $ 251,433 | $ 72,000 |
| Prince George's, Maryland | 72 | $ 16,113,000 | $ 223,791 | $ 57,000 |
| Ocean, New Jersey | 62 | $ 13,288,000 | $ 214,322 | $ 49,000 |
| Nassau, New York | 49 | $ 15,337,000 | $ 313,000 | $ 82,000 |
| Erie, New York | 47 | $ 5,326,000 | $ 113,319 | $ 50,000 |
| Monroe, New York | 41 | $ 4,748,000 | $ 115,804 | $ 50,000 |
| Saratoga, New York | 41 | $ 6,210,000 | $ 151,463 | $ 66,000 |
| Middlesex, Massachusetts | 39 | $ 10,276,000 | $ 263,487 | $ 63,000 |
| Monmouth, New Jersey | 39 | $ 9,154,000 | $ 234,717 | $ 51,000 |
| Albany, New York | 39 | $ 5,893,000 | $ 151,102 | $ 57,000 |
| Camden, New Jersey | 38 | $ 6,264,000 | $ 164,842 | $ 62,000 |
| Palm Beach, Florida | 37 | $ 9,043,000 | $ 244,405 | $ 46,000 |
| Orange, New York | 37 | $ 7,326,000 | $ 198,000 | $ 63,000 |
| Westchester, New York | 36 | $ 11,211,000 | $ 311,416 | $ 89,000 |
| Plymouth, Massachusetts | 34 | $ 6,987,000 | $ 205,500 | $ 50,000 |
| Worcester, Massachusetts | 34 | $ 6,695,000 | $ 196,911 | $ 66,000 |
| Orange, Florida | 33 | $ 6,329,000 | $ 191,787 | $ 42,000 |
| Broward, Florida | 31 | $ 7,693,000 | $ 248,161 | $ 65,000 |
| Middlesex, New Jersey | 30 | $ 7,730,000 | $ 257,666 | $ 53,000 |
| Fairfax, Virginia | 29 | $ 10,746,000 | $ 370,551 | $ 88,000 |
| Baltimore, Maryland | 28 | $ 5,381,000 | $ 192,178 | $ 53,000 |
| Essex, Massachusetts | 28 | $ 6,020,000 | $ 215,000 | $ 80,000 |
| Atlantic, New Jersey | 28 | $ 4,777,000 | $ 170,607 | $ 44,000 |
| Burlington, New Jersey | 27 | $ 4,816,000 | $ 178,370 | $ 60,000 |
| Essex, New Jersey | 27 | $ 6,527,000 | $ 241,740 | $ 61,000 |
| Dutchess, New York | 27 | $ 6,734,000 | $ 249,407 | $ 64,000 |
| Hillsborough, Florida | 26 | $ 4,475,000 | $ 172,115 | $ 52,000 |
| Gloucester, New Jersey | 26 | $ 4,942,000 | $ 190,076 | $ 71,000 |
| Queens, New York | 26 | $ 7,593,000 | $ 292,038 | $ 61,000 |
| Richmond, New York | 26 | $ 7,084,000 | $ 272,461 | $ 78,000 |
| Passaic, New Jersey | 25 | $ 5,929,000 | $ 237,160 | $ 45,000 |
| Onondaga, New York | 25 | $ 3,107,000 | $ 124,280 | $ 45,000 |
| Prince William, Virginia | 25 | $ 7,647,000 | $ 305,880 | $ 79,000 |
| Virginia Beach, Virginia | 25 | $ 5,294,000 | $ 211,760 | $ 50,000 |
| Rockland, New York | 23 | $ 6,927,000 | $ 301,173 | $ 61,000 |
| Bristol, Massachusetts | 22 | $ 4,755,000 | $ 216,136 | $ 52,000 |
| Kings, New York | 22 | $ 6,165,000 | $ 280,227 | $ 65,000 |
| Schenectady, New York | 22 | $ 2,900,000 | $ 131,818 | $ 53,000 |
| Norfolk, Massachusetts | 21 | $ 5,998,000 | $ 285,619 | $ 57,000 |
| Bergen, New Jersey | 21 | $ 7,200,000 | $ 342,857 | $ 49,000 |
| Cape May, New Jersey | 21 | $ 5,036,000 | $ 239,809 | $ 58,000 |
| Brevard, Florida | 20 | $ 3,877,000 | $ 193,850 | $ 51,000 |
| Lee, Florida | 20 | $ 4,904,000 | $ 245,200 | $ 69,000 |
| Anne Arundel, Maryland | 20 | $ 4,186,000 | $ 209,300 | $ 53,000 |
| Montgomery, Maryland | 20 | $ 5,441,000 | $ 272,050 | $ 68,000 |
| Polk, Florida | 19 | $ 2,968,000 | $ 156,210 | $ 55,000 |
| Ulster, New York | 19 | $ 3,405,000 | $ 179,210 | $ 62,000 |
| New Castle, Delaware | 18 | $ 3,623,000 | $ 201,277 | $ 54,000 |
| Volusia, Florida | 18 | $ 2,930,000 | $ 162,777 | $ 48,000 |
| Berkshire, Massachusetts | 18 | $ 2,773,000 | $ 154,055 | $ 47,000 |
| Hampden, Massachusetts | 18 | $ 2,634,000 | $ 146,333 | $ 52,000 |
| Morris, New Jersey | 18 | $ 5,553,000 | $ 308,500 | $ 77,000 |
| Somerset, New Jersey | 18 | $ 4,609,000 | $ 256,055 | $ 48,000 |
| Sussex, New Jersey | 18 | $ 4,244,000 | $ 235,777 | $ 77,000 |
| Union, New Jersey | 18 | $ 3,735,000 | $ 207,500 | $ 54,000 |
| Barnstable, Massachusetts | 16 | $ 4,700,000 | $ 293,750 | $ 43,000 |
| Mercer, New Jersey | 16 | $ 3,263,000 | $ 203,937 | $ 85,000 |
| Chesterfield, Virginia | 16 | $ 2,624,000 | $ 164,000 | $ 52,000 |
| Pinellas, Florida | 15 | $ 2,270,000 | $ 151,333 | $ 51,000 |
| Sarasota, Florida | 15 | $ 3,333,000 | $ 222,200 | $ 53,000 |
| Charles, Maryland | 15 | $ 3,756,000 | $ 250,400 | $ 61,000 |
| Suffolk, Massachusetts | 15 | $ 4,054,000 | $ 270,266 | $ 43,000 |
| Cumberland, New Jersey | 15 | $ 1,933,000 | $ 128,866 | $ 42,000 |
| Cumberland, Maine | 14 | $ 2,033,000 | $ 145,214 | $ 51,000 |
| Baltimore City, Maryland | 14 | $ 1,589,000 | $ 113,500 | $ 47,000 |
| Chesapeake, Virginia | 14 | $ 3,375,000 | $ 241,071 | $ 73,000 |
| Spotsylvania, Virginia | 14 | $ 3,444,000 | $ 246,000 | $ 67,000 |
| Pasco, Florida | 13 | $ 2,092,000 | $ 160,923 | $ 52,000 |
| Broome, New York | 13 | $ 1,379,000 | $ 106,076 | $ 58,000 |
| Providence, Rhode Island | 13 | $ 3,040,000 | $ 233,846 | $ 75,000 |
| Henrico, Virginia | 13 | $ 2,078,000 | $ 159,846 | $ 44,000 |
| Duval, Florida | 12 | $ 2,112,000 | $ 176,000 | $ 45,000 |
| Hunterdon, New Jersey | 12 | $ 3,288,000 | $ 274,000 | $ 47,000 |
| Putnam, New York | 12 | $ 2,364,000 | $ 197,000 | $ 58,000 |
| Sussex, Delaware | 11 | $ 2,075,000 | $ 188,636 | $ 51,000 |
| Manatee, Florida | 11 | $ 2,327,000 | $ 211,545 | $ 43,000 |
| Seminole, Florida | 11 | $ 2,871,000 | $ 261,000 | $ 59,000 |
| Frederick, Maryland | 11 | $ 2,946,000 | $ 267,818 | $ 58,000 |
| Oneida, New York | 11 | $ 1,069,000 | $ 97,181 | $ 38,000 |
| Ontario, New York | 11 | $ 2,065,000 | $ 187,727 | $ 54,000 |
| Miami-Dade, Florida | 10 | $ 1,854,000 | $ 185,400 | $ 39,000 |
| Calvert, Maryland | 10 | $ 2,242,000 | $ 224,200 | $ 59,000 |
| Howard, Maryland | 10 | $ 2,475,000 | $ 247,500 | $ 80,000 |
| Wayne, Michigan | 10 | $ 1,410,000 | $ 141,000 | $ 56,000 |
| Hudson, New Jersey | 10 | $ 3,401,000 | $ 340,100 | $ 80,000 |
| Warren, New Jersey | 10 | $ 2,519,000 | $ 251,900 | $ 98,000 |
| Warren, New York | 10 | $ 1,563,000 | $ 156,300 | $ 46,000 |
| Hernando, Florida | 9 | $ 1,370,000 | $ 152,222 | $ 32,000 |
| St. Lucie, Florida | 9 | $ 1,495,000 | $ 166,111 | $ 41,000 |
| Cecil, Maryland | 9 | $ 1,876,000 | $ 208,444 | $ 50,000 |
| Oakland, Michigan | 9 | $ 1,822,000 | $ 202,444 | $ 35,000 |
| Salem, New Jersey | 9 | $ 1,441,000 | $ 160,111 | $ 65,000 |
| Bronx, New York | 9 | $ 2,388,000 | $ 265,333 | $ 62,000 |
| Niagara, New York | 9 | $ 861,000 | $ 95,666 | $ 41,000 |
| Okaloosa, Florida | 8 | $ 1,931,000 | $ 241,375 | $ 73,000 |
| York, Maine | 8 | $ 1,101,000 | $ 137,625 | $ 45,000 |
| Carroll, Maryland | 8 | $ 1,430,000 | $ 178,750 | $ 49,000 |
| Harford, Maryland | 8 | $ 822,000 | $ 102,750 | $ 49,000 |
| Hampshire, Massachusetts | 8 | $ 1,546,000 | $ 193,250 | $ 56,000 |
| Genesee, Michigan | 8 | $ 1,159,000 | $ 144,875 | $ 43,000 |
| Rensselaer, New York | 8 | $ 977,000 | $ 122,125 | $ 56,000 |
| Frederick, Virginia | 8 | $ 1,433,000 | $ 179,125 | $ 29,000 |
| Newport News, Virginia | 8 | $ 1,329,000 | $ 166,125 | $ 38,000 |
| Richmond City, Virginia | 8 | $ 1,477,000 | $ 184,625 | $ 63,000 |
| Charlotte, Florida | 7 | $ 1,630,000 | $ 232,857 | $ 68,000 |
| Lake, Florida | 7 | $ 994,000 | $ 142,000 | $ 40,000 |
| Santa Rosa, Florida | 7 | $ 1,152,000 | $ 164,571 | $ 50,000 |
| Washington, Maryland | 7 | $ 1,366,000 | $ 195,142 | $ 82,000 |
| Wicomico, Maryland | 7 | $ 1,018,000 | $ 145,428 | $ 41,000 |
| Franklin, Massachusetts | 7 | $ 961,000 | $ 137,285 | $ 30,000 |
| Macomb, Michigan | 7 | $ 1,054,000 | $ 150,571 | $ 41,000 |
| Chautauqua, New York | 7 | $ 470,000 | $ 67,142 | $ 73,000 |
| Clinton, New York | 7 | $ 1,230,000 | $ 175,714 | $ 66,000 |
| Montgomery, New York | 7 | $ 647,000 | $ 92,428 | $ 38,000 |
| Wayne, New York | 7 | $ 910,000 | $ 130,000 | $ 57,000 |
| Stafford, Virginia | 7 | $ 1,705,000 | $ 243,571 | $ 64,000 |
| Suffolk, Virginia | 7 | $ 1,695,000 | $ 242,142 | $ 80,000 |
| Bay, Florida | 6 | $ 884,000 | $ 147,333 | $ 50,000 |
| Collier, Florida | 6 | $ 1,435,000 | $ 239,166 | $ 58,000 |
| Indian River, Florida | 6 | $ 795,000 | $ 132,500 | $ 29,000 |
| Marion, Florida | 6 | $ 897,000 | $ 149,500 | $ 35,000 |
| Martin, Florida | 6 | $ 1,646,000 | $ 274,333 | $ 51,000 |
| St. Johns, Florida | 6 | $ 1,067,000 | $ 177,833 | $ 55,000 |
| Penobscot, Maine | 6 | $ 684,000 | $ 114,000 | $ 49,000 |
| Kent, Rhode Island | 6 | $ 1,378,000 | $ 229,666 | $ 85,000 |
| Culpeper, Virginia | 6 | $ 1,469,000 | $ 244,833 | $ 63,000 |
| Loudoun, Virginia | 6 | $ 1,975,000 | $ 329,166 | $ 88,000 |
| Kent, Delaware | 5 | $ 748,000 | $ 149,600 | $ 42,000 |
| Citrus, Florida | 5 | $ 641,000 | $ 128,200 | $ 3,000 |
| Osceola, Florida | 5 | $ 727,000 | $ 145,400 | $ 58,000 |
| Ingham, Michigan | 5 | $ 721,000 | $ 144,200 | $ 74,000 |
| Cattaraugus, New York | 5 | $ 489,000 | $ 97,800 | $ 33,000 |
| Essex, New York | 5 | $ 974,000 | $ 194,800 | $ 89,000 |
| Madison, New York | 5 | $ 729,000 | $ 145,800 | $ 28,000 |
| Washington, Rhode Island | 5 | $ 1,470,000 | $ 294,000 | $ 46,000 |
| Hampton, Virginia | 5 | $ 739,000 | $ 147,800 | $ 42,000 |
| Hanover, Virginia | 5 | $ 853,000 | $ 170,600 | $ 59,000 |
| James City, Virginia | 5 | $ 749,000 | $ 149,800 | $ 48,000 |
| Pittsylvania, Virginia | 5 | $ 602,000 | $ 120,400 | $ 38,000 |
| Portsmouth, Virginia | 5 | $ 860,000 | $ 172,000 | $ 49,000 |
| Fairfield, Connecticut | 4 | $ 1,234,000 | $ 308,500 | $ 65,000 |
| New Haven, Connecticut | 4 | $ 764,000 | $ 191,000 | $ 41,000 |
| Escambia, Florida | 4 | $ 591,000 | $ 147,750 | $ 52,000 |
| Flagler, Florida | 4 | $ 666,000 | $ 166,500 | $ 24,000 |
| Leon, Florida | 4 | $ 1,309,000 | $ 327,250 | $ 100,000 |
| Walton, Florida | 4 | $ 748,000 | $ 187,000 | $ 28,000 |
| Somerset, Maine | 4 | $ 596,000 | $ 149,000 | $ 38,000 |
| St. Mary's, Maryland | 4 | $ 704,000 | $ 176,000 | $ 50,000 |
| Chemung, New York | 4 | $ 280,000 | $ 70,000 | $ 49,000 |
| Columbia, New York | 4 | $ 421,000 | $ 105,250 | $ 51,000 |
| Cortland, New York | 4 | $ 262,000 | $ 65,500 | $ 25,000 |
| Franklin, New York | 4 | $ 425,000 | $ 106,250 | $ 66,000 |
| Washington, New York | 4 | $ 421,000 | $ 105,250 | $ 47,000 |
| Newport, Rhode Island | 4 | $ 1,102,000 | $ 275,500 | $ 92,000 |
| Augusta, Virginia | 4 | $ 557,000 | $ 139,250 | $ 48,000 |
| Caroline, Virginia | 4 | $ 494,000 | $ 123,500 | $ 26,000 |
| King George, Virginia | 4 | $ 1,134,000 | $ 283,500 | $ 52,000 |
| Louisa, Virginia | 4 | $ 584,000 | $ 146,000 | $ 34,000 |
| Orange, Virginia | 4 | $ 950,000 | $ 237,500 | $ 60,000 |
| Arapahoe, Colorado | 3 | $ 402,000 | $ 134,000 | $ 70,000 |
| Denver, Colorado | 3 | $ 338,000 | $ 112,666 | $ 73,000 |
| Weld, Colorado | 3 | $ 379,000 | $ 126,333 | $ 48,000 |
| Androscoggin, Maine | 3 | $ 358,000 | $ 119,333 | $ 54,000 |
| Dorchester, Maryland | 3 | $ 446,000 | $ 148,666 | $ 26,000 |
| Garrett, Maryland | 3 | $ 389,000 | $ 129,666 | $ 69,000 |
| Queen Anne's, Maryland | 3 | $ 728,000 | $ 242,666 | $ 96,000 |
| Kent, Michigan | 3 | $ 441,000 | $ 147,000 | $ 48,000 |
| Monroe, Michigan | 3 | $ 769,000 | $ 256,333 | $ 16,000 |
| Cayuga, New York | 3 | $ 223,000 | $ 74,333 | $ 38,000 |
| Delaware, New York | 3 | $ 546,000 | $ 182,000 | $ 38,000 |
| Genesee, New York | 3 | $ 321,000 | $ 107,000 | $ 49,000 |
| Oswego, New York | 3 | $ 219,000 | $ 73,000 | $ 28,000 |
| Otsego, New York | 3 | $ 258,000 | $ 86,000 | $ 33,000 |
| Schoharie, New York | 3 | $ 532,000 | $ 177,333 | $ 78,000 |
| Seneca, New York | 3 | $ 287,000 | $ 95,666 | $ 45,000 |
| St. Lawrence, New York | 3 | $ 290,000 | $ 96,666 | $ 37,000 |
| Steuben, New York | 3 | $ 231,000 | $ 77,000 | $ 21,000 |
| Wyoming, New York | 3 | $ 360,000 | $ 120,000 | $ 64,000 |
| Goochland, Virginia | 3 | $ 441,000 | $ 147,000 | $ 68,000 |
| Norfolk, Virginia | 3 | $ 419,000 | $ 139,666 | $ 49,000 |
| Powhatan, Virginia | 3 | $ 584,000 | $ 194,666 | $ 39,000 |
| San Bernardino, California | 2 | $ 472,000 | $ 236,000 | $ 67,000 |
| Jefferson, Colorado | 2 | $ 237,000 | $ 118,500 | $ 75,000 |
| Mesa, Colorado | 2 | $ 232,000 | $ 116,000 | $ 43,000 |
| Clay, Florida | 2 | $ 381,000 | $ 190,500 | $ 82,000 |
| Monroe, Florida | 2 | $ 874,000 | $ 437,000 | $ 60,000 |
| Nassau, Florida | 2 | $ 349,000 | $ 174,500 | $ 34,000 |
| Putnam, Florida | 2 | $ 356,000 | $ 178,000 | $ 55,000 |
| Sumter, Florida | 2 | $ 508,000 | $ 254,000 | $ 80,000 |
| Hancock, Maine | 2 | $ 371,000 | $ 185,500 | $ 71,000 |
| Kennebec, Maine | 2 | $ 267,000 | $ 133,500 | $ 73,000 |
| Oxford, Maine | 2 | $ 317,000 | $ 158,500 | $ 14,000 |
| Somerset, Maryland | 2 | $ 281,000 | $ 140,500 | $ 47,000 |
| Bay, Michigan | 2 | $ 279,000 | $ 139,500 | $ 40,000 |
| Berrien, Michigan | 2 | $ 338,000 | $ 169,000 | $ 57,000 |
| Delta, Michigan | 2 | $ 215,000 | $ 107,500 | $ 52,000 |
| Eaton, Michigan | 2 | $ 234,000 | $ 117,000 | $ 38,000 |
| Kalamazoo, Michigan | 2 | $ 231,000 | $ 115,500 | $ 20,000 |
| Livingston, Michigan | 2 | $ 218,000 | $ 109,000 | $ 184,000 |
| Ottawa, Michigan | 2 | $ 353,000 | $ 176,500 | $ 37,000 |
| Saginaw, Michigan | 2 | $ 238,000 | $ 119,000 | $ 17,000 |
| Van Buren, Michigan | 2 | $ 274,000 | $ 137,000 | $ 45,000 |
| Allegany, New York | 2 | $ 115,000 | $ 57,500 | $ 37,000 |
| Chenango, New York | 2 | $ 357,000 | $ 178,500 | $ 64,000 |
| Fulton, New York | 2 | $ 362,000 | $ 181,000 | $ 22,000 |
| Greene, New York | 2 | $ 228,000 | $ 114,000 | $ 36,000 |
| Herkimer, New York | 2 | $ 157,000 | $ 78,500 | $ 67,000 |
| Jefferson, New York | 2 | $ 184,000 | $ 92,000 | $ 53,000 |
| Livingston, New York | 2 | $ 271,000 | $ 135,500 | $ 55,000 |
| Tioga, New York | 2 | $ 216,000 | $ 108,000 | $ 91,000 |
| Tompkins, New York | 2 | $ 203,000 | $ 101,500 | $ 65,000 |
| Albemarle, Virginia | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Arlington, Virginia | 2 | $ 737,000 | $ 368,500 | $ 87,000 |
| Botetourt, Virginia | 2 | $ 274,000 | $ 137,000 | $ 23,000 |
| Falls Church, Virginia | 2 | $ 404,000 | $ 202,000 | $ 90,000 |
| Fauquier, Virginia | 2 | $ 741,000 | $ 370,500 | $ 57,000 |
| Gloucester, Virginia | 2 | $ 381,000 | $ 190,500 | $ 35,000 |
| Hopewell, Virginia | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Isle of Wight, Virginia | 2 | $ 395,000 | $ 197,500 | $ 69,000 |
| Roanoke, Virginia | 2 | $ 266,000 | $ 133,000 | $ 40,000 |
| Tazewell, Virginia | 2 | $ 252,000 | $ 126,000 | $ 51,000 |
| Waynesboro, Virginia | 2 | $ 165,000 | $ 82,500 | $ 27,000 |
| Monterey, California | 1 | $ 380,000 | $ 380,000 | $ 71,000 |
| Placer, California | 1 | $ 450,000 | $ 450,000 | $ 96,000 |
| San Luis Obispo, California | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| Adams, Colorado | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Boulder, Colorado | 1 | $ 267,000 | $ 267,000 | $ 97,000 |
| Delta, Colorado | 1 | $ 154,000 | $ 154,000 | $ 34,000 |
| El Paso, Colorado | 1 | $ 207,000 | $ 207,000 | $ 53,000 |
| Fremont, Colorado | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Washington, Colorado | 1 | $ 153,000 | $ 153,000 | $ 40,000 |
| Hartford, Connecticut | 1 | $ 148,000 | $ 148,000 | $ 61,000 |
| Litchfield, Connecticut | 1 | $ 330,000 | $ 330,000 | $ 68,000 |
| New London, Connecticut | 1 | $ 194,000 | $ 194,000 | $ 52,000 |
| Tolland, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Alachua, Florida | 1 | $ 206,000 | $ 206,000 | $ 98,000 |
| Baker, Florida | 1 | $ 147,000 | $ 147,000 | $ 37,000 |
| Columbia, Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Gilchrist, Florida | 1 | $ 90,000 | $ 90,000 | $ 56,000 |
| Highlands, Florida | 1 | $ 298,000 | $ 298,000 | $ 63,000 |
| Wakulla, Florida | 1 | $ 114,000 | $ 114,000 | $ 34,000 |
| Washington, Florida | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Franklin, Maine | 1 | $ 284,000 | $ 284,000 | $ 132,000 |
| Allegany, Maryland | 1 | $ 44,000 | $ 44,000 | $ 29,000 |
| Talbot, Maryland | 1 | $ 208,000 | $ 208,000 | $ 50,000 |
| Worcester, Maryland | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Alger, Michigan | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Arenac, Michigan | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Calhoun, Michigan | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Cass, Michigan | 1 | $ 177,000 | $ 177,000 | $ 105,000 |
| Clinton, Michigan | 1 | $ 214,000 | $ 214,000 | $ 83,000 |
| Crawford, Michigan | 1 | $ 156,000 | $ 156,000 | $ 94,000 |
| Emmet, Michigan | 1 | $ 126,000 | $ 126,000 | $ 44,000 |
| Jackson, Michigan | 1 | $ 186,000 | $ 186,000 | $ 78,000 |
| Lapeer, Michigan | 1 | $ 187,000 | $ 187,000 | $ 97,000 |
| Lenawee, Michigan | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Manistee, Michigan | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Midland, Michigan | 1 | $ 232,000 | $ 232,000 | $ 83,000 |
| Muskegon, Michigan | 1 | $ 112,000 | $ 112,000 | $ 24,000 |
| St. Clair, Michigan | 1 | $ 128,000 | $ 128,000 | $ 35,000 |
| Hamilton, New York | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| New York, New York | 1 | $ 450,000 | $ 450,000 | $ 100,000 |
| Orleans, New York | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Sullivan, New York | 1 | $ 239,000 | $ 239,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 432,000 | $ 432,000 | $ 96,000 |
| Hancock, Tennessee | 1 | $ 247,000 | $ 247,000 | $ 43,000 |
| Accomack, Virginia | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Alleghany, Virginia | 1 | $ 140,000 | $ 140,000 | $ 134,000 |
| Amherst, Virginia | 1 | $ 132,000 | $ 132,000 | $ 52,000 |
| Bedford, Virginia | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Carroll, Virginia | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Danville, Virginia | 1 | $ 180,000 | $ 180,000 | $ 40,000 |
| Dinwiddie, Virginia | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Fairfax City, Virginia | 1 | $ 336,000 | $ 336,000 | $ 135,000 |
| Fluvanna, Virginia | 1 | $ 53,000 | $ 53,000 | $ 11,000 |
| Harrisonburg, Virginia | 1 | $ 174,000 | $ 174,000 | $ 50,000 |
| King William, Virginia | 1 | $ 126,000 | $ 126,000 | $ 47,000 |
| Lynchburg, Virginia | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Madison, Virginia | 1 | $ 200,000 | $ 200,000 | $ 38,000 |
| Manassas, Virginia | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Middlesex, Virginia | 1 | $ 167,000 | $ 167,000 | $ 72,000 |
| Montgomery, Virginia | 1 | $ 132,000 | $ 132,000 | $ 33,000 |
| Nelson, Virginia | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Prince Edward, Virginia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Richmond, Virginia | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Roanoke City, Virginia | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Shenandoah, Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Smyth, Virginia | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Wythe, Virginia | 1 | $ 268,000 | $ 268,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for Guardian Loan Company in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,628 | $542,072,000 | $206,000 | $1,258,000 | $57,000 | $462,000 |
| Home Purchase | 82 | $15,628,000 | $190,000 | $630,000 | $63,000 | $312,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,909 | $379,850,000 | $198,000 | $1,258,000 | $59,000 | $462,000 |
| Black or African American | 324 | $69,577,000 | $214,000 | $582,000 | $56,000 | $222,000 |
| Not Provided | 304 | $67,545,000 | $222,000 | $910,000 | $54,000 | $392,000 |
| Hispanic | 117 | $26,361,000 | $225,000 | $1,000,000 | $46,000 | $168,000 |
| Asian | 40 | $10,871,000 | $271,000 | $521,000 | $61,000 | $178,000 |
| American Indian or Alaskan Native | 8 | $1,968,000 | $246,000 | $497,000 | $40,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,528,000 | $191,000 | $348,000 | $66,000 | $120,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,678 | $552,166,000 | $206,000 | $1,258,000 | $58,000 | $462,000 |
| FHA-insured (Federal Housing Administration) | 32 | $5,534,000 | $172,000 | $269,000 | $57,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,321 | $265,486,000 | $200,000 | $1,258,000 | $58,000 | $462,000 |
| Application Approved But Not Accepted | 1,071 | $234,307,000 | $218,000 | $1,000,000 | $60,000 | $336,000 |
| Application Denied By Financial Institution | 318 | $57,907,000 | $182,000 | $1,000,000 | $49,000 | $436,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1 | $330,000 | $330,000 | $330,000 | $68,000 | $68,000 |
| Other | 1 | $444,000 | $444,000 | $444,000 | $161,000 | $161,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Loan Company's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guardian Loan Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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