Guardian Loan Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Guardian Loan Company 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2,835 |
| Total Mortgage Loan Application Amount | $528,424,000 |
| Average Mortgage Loan Application Amount | $178,318 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $75,090 |
| Highest Applicant Income | $1,680,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Guardian Loan Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guardian Loan Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Guardian Loan Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guardian Loan Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Guardian Loan Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guardian Loan Company's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's County Maryland | 138 | $ 24,908,000 | $ 180,000 | $ 58,000 |
| Ocean County New Jersey | 123 | $ 22,926,000 | $ 186,000 | $ 63,000 |
| Monmouth County New Jersey | 115 | $ 25,059,000 | $ 217,000 | $ 83,000 |
| Suffolk County New York | 106 | $ 22,289,000 | $ 210,000 | $ 72,000 |
| Burlington County New Jersey | 81 | $ 13,155,000 | $ 162,000 | $ 69,000 |
| Fairfax County Virginia | 74 | $ 16,515,000 | $ 223,000 | $ 64,000 |
| Morris County New Jersey | 70 | $ 16,652,000 | $ 237,000 | $ 98,000 |
| Bergen County New Jersey | 64 | $ 16,356,000 | $ 255,000 | $ 88,000 |
| Prince William County Virginia | 64 | $ 15,729,000 | $ 245,000 | $ 67,000 |
| Middlesex County New Jersey | 60 | $ 12,299,000 | $ 204,000 | $ 102,000 |
| Montgomery County Maryland | 57 | $ 13,510,000 | $ 237,000 | $ 61,000 |
| Nassau County New York | 57 | $ 13,797,000 | $ 242,000 | $ 71,000 |
| Anne Arundel County Maryland | 54 | $ 10,236,000 | $ 189,000 | $ 71,000 |
| Essex County New Jersey | 54 | $ 12,170,000 | $ 225,000 | $ 70,000 |
| Baltimore County Maryland | 53 | $ 7,440,000 | $ 140,000 | $ 54,000 |
| Gloucester County New Jersey | 50 | $ 7,730,000 | $ 154,000 | $ 58,000 |
| Virginia Beach County Virginia | 50 | $ 7,709,000 | $ 154,000 | $ 53,000 |
| Camden County New Jersey | 48 | $ 7,336,000 | $ 152,000 | $ 58,000 |
| Passaic County New Jersey | 46 | $ 10,177,000 | $ 221,000 | $ 72,000 |
| Atlantic County New Jersey | 40 | $ 7,240,000 | $ 181,000 | $ 70,000 |
| Union County New Jersey | 40 | $ 7,865,000 | $ 196,000 | $ 82,000 |
| Sussex County New Jersey | 38 | $ 7,463,000 | $ 196,000 | $ 77,000 |
| Dutchess County New York | 37 | $ 6,381,000 | $ 172,000 | $ 54,000 |
| Orange County New York | 34 | $ 6,031,000 | $ 177,000 | $ 57,000 |
| Westchester County New York | 33 | $ 8,985,000 | $ 272,000 | $ 113,000 |
| Kings County New York | 32 | $ 8,065,000 | $ 252,000 | $ 56,000 |
| Somerset County New Jersey | 30 | $ 6,886,000 | $ 229,000 | $ 80,000 |
| Erie County New York | 29 | $ 3,186,000 | $ 109,000 | $ 47,000 |
| Baltimore City County Maryland | 28 | $ 2,594,000 | $ 92,000 | $ 55,000 |
| Mercer County New Jersey | 28 | $ 4,822,000 | $ 172,000 | $ 52,000 |
| Frederick County Maryland | 26 | $ 4,871,000 | $ 187,000 | $ 54,000 |
| Queens County New York | 26 | $ 6,010,000 | $ 231,000 | $ 62,000 |
| Warren County New Jersey | 25 | $ 4,517,000 | $ 180,000 | $ 62,000 |
| Worcester County Massachusetts | 24 | $ 4,927,000 | $ 205,000 | $ 54,000 |
| Spotsylvania County Virginia | 24 | $ 4,574,000 | $ 190,000 | $ 97,000 |
| Chesapeake County Virginia | 23 | $ 4,010,000 | $ 174,000 | $ 50,000 |
| Henrico County Virginia | 23 | $ 3,165,000 | $ 137,000 | $ 79,000 |
| Charles County Maryland | 22 | $ 4,253,000 | $ 193,000 | $ 57,000 |
| Monroe County New York | 22 | $ 2,385,000 | $ 108,000 | $ 58,000 |
| Harford County Maryland | 21 | $ 3,161,000 | $ 150,000 | $ 66,000 |
| Cape May County New Jersey | 21 | $ 3,909,000 | $ 186,000 | $ 64,000 |
| Rockland County New York | 21 | $ 4,790,000 | $ 228,000 | $ 91,000 |
| Loudoun County Virginia | 21 | $ 4,959,000 | $ 236,000 | $ 57,000 |
| Richmond County New York | 20 | $ 4,019,000 | $ 200,000 | $ 55,000 |
| Hudson County New Jersey | 19 | $ 4,154,000 | $ 218,000 | $ 63,000 |
| Chesterfield County Virginia | 18 | $ 2,811,000 | $ 156,000 | $ 58,000 |
| Middlesex County Massachusetts | 17 | $ 4,021,000 | $ 236,000 | $ 97,000 |
| Saratoga County New York | 17 | $ 2,273,000 | $ 133,000 | $ 64,000 |
| Albany County New York | 16 | $ 1,963,000 | $ 122,000 | $ 52,000 |
| Stafford County Virginia | 16 | $ 3,218,000 | $ 201,000 | $ 53,000 |
| Howard County Maryland | 15 | $ 3,301,000 | $ 220,000 | $ 56,000 |
| Cumberland County New Jersey | 15 | $ 1,707,000 | $ 113,000 | $ 44,000 |
| Hunterdon County New Jersey | 15 | $ 3,445,000 | $ 229,000 | $ 138,000 |
| New Haven County Connecticut | 14 | $ 2,677,000 | $ 191,000 | $ 59,000 |
| Winnebago County Illinois | 13 | $ 1,842,000 | $ 141,000 | $ 107,000 |
| Putnam County New York | 13 | $ 2,153,000 | $ 165,000 | $ 60,000 |
| Newport News County Virginia | 13 | $ 1,498,000 | $ 115,000 | $ 36,000 |
| Hartford County Connecticut | 12 | $ 1,619,000 | $ 134,000 | $ 56,000 |
| Salem County New Jersey | 12 | $ 1,617,000 | $ 134,000 | $ 49,000 |
| Onondaga County New York | 12 | $ 1,440,000 | $ 120,000 | $ 103,000 |
| Ulster County New York | 12 | $ 1,771,000 | $ 147,000 | $ 48,000 |
| St. Mary's County Maryland | 11 | $ 2,105,000 | $ 191,000 | $ 49,000 |
| Washington County Maryland | 11 | $ 1,765,000 | $ 160,000 | $ 45,000 |
| Bronx County New York | 11 | $ 2,998,000 | $ 272,000 | $ 60,000 |
| Niagara County New York | 11 | $ 1,305,000 | $ 118,000 | $ 95,000 |
| Richmond City County Virginia | 11 | $ 906,000 | $ 82,000 | $ 35,000 |
| Fairfield County Connecticut | 10 | $ 2,345,000 | $ 234,000 | $ 61,000 |
| Carroll County Maryland | 10 | $ 1,689,000 | $ 168,000 | $ 53,000 |
| Bristol County Massachusetts | 10 | $ 1,334,000 | $ 133,000 | $ 60,000 |
| Plymouth County Massachusetts | 10 | $ 1,725,000 | $ 172,000 | $ 45,000 |
| Norfolk County Virginia | 10 | $ 1,176,000 | $ 117,000 | $ 69,000 |
| Rensselaer County New York | 9 | $ 1,023,000 | $ 113,000 | $ 65,000 |
| Frederick County Virginia | 9 | $ 1,322,000 | $ 146,000 | $ 39,000 |
| Calvert County Maryland | 8 | $ 1,665,000 | $ 208,000 | $ 178,000 |
| Worcester County Maryland | 8 | $ 1,021,000 | $ 127,000 | $ 37,000 |
| Hampden County Massachusetts | 8 | $ 1,444,000 | $ 180,000 | $ 54,000 |
| Tompkins County New York | 8 | $ 1,134,000 | $ 141,000 | $ 86,000 |
| Fauquier County Virginia | 8 | $ 1,707,000 | $ 213,000 | $ 77,000 |
| New Kent County Virginia | 8 | $ 740,000 | $ 92,000 | $ 37,000 |
| Warren County Virginia | 8 | $ 1,103,000 | $ 137,000 | $ 43,000 |
| Allegany County Maryland | 7 | $ 613,000 | $ 87,000 | $ 45,000 |
| Norfolk County Massachusetts | 7 | $ 1,789,000 | $ 255,000 | $ 69,000 |
| Schenectady County New York | 7 | $ 707,000 | $ 101,000 | $ 258,000 |
| Hampton County Virginia | 7 | $ 739,000 | $ 105,000 | $ 40,000 |
| Hanover County Virginia | 7 | $ 1,254,000 | $ 179,000 | $ 82,000 |
| Portsmouth County Virginia | 7 | $ 666,000 | $ 95,000 | $ 43,000 |
| Queen Anne's County Maryland | 6 | $ 1,848,000 | $ 308,000 | $ 93,000 |
| Somerset County Maryland | 6 | $ 598,000 | $ 99,000 | $ 26,000 |
| Suffolk County Massachusetts | 6 | $ 1,250,000 | $ 208,000 | $ 66,000 |
| Alexandria County Virginia | 6 | $ 1,765,000 | $ 294,000 | $ 60,000 |
| Bedford County Virginia | 6 | $ 1,023,000 | $ 170,000 | $ 49,000 |
| Culpeper County Virginia | 6 | $ 984,000 | $ 164,000 | $ 50,000 |
| St. Clair County Illinois | 5 | $ 560,000 | $ 112,000 | $ 39,000 |
| Barnstable County Massachusetts | 5 | $ 1,480,000 | $ 296,000 | $ 34,000 |
| Franklin County Massachusetts | 5 | $ 812,000 | $ 162,000 | $ 51,000 |
| Broome County New York | 5 | $ 467,000 | $ 93,000 | $ 42,000 |
| Arlington County Virginia | 5 | $ 1,677,000 | $ 335,000 | $ 166,000 |
| Manassas County Virginia | 5 | $ 1,154,000 | $ 230,000 | $ 45,000 |
| Suffolk County Virginia | 5 | $ 567,000 | $ 113,000 | $ 46,000 |
| York County Virginia | 5 | $ 786,000 | $ 157,000 | $ 32,000 |
| Placer County California | 4 | $ 1,926,000 | $ 481,000 | $ 143,000 |
| Middlesex County Connecticut | 4 | $ 978,000 | $ 244,000 | $ 55,000 |
| Cook County Illinois | 4 | $ 1,275,000 | $ 318,000 | $ 69,000 |
| Madison County Illinois | 4 | $ 795,000 | $ 198,000 | $ 53,000 |
| Peoria County Illinois | 4 | $ 619,000 | $ 154,000 | $ 45,000 |
| Cecil County Maryland | 4 | $ 531,000 | $ 132,000 | $ 31,000 |
| Hampshire County Massachusetts | 4 | $ 806,000 | $ 201,000 | $ 43,000 |
| Columbia County New York | 4 | $ 652,000 | $ 163,000 | $ 63,000 |
| Caroline County Virginia | 4 | $ 526,000 | $ 131,000 | $ 47,000 |
| Orange County Virginia | 4 | $ 527,000 | $ 131,000 | $ 41,000 |
| Roanoke City County Virginia | 4 | $ 337,000 | $ 84,000 | $ 42,000 |
| New London County Connecticut | 3 | $ 516,000 | $ 172,000 | $ 64,000 |
| Champaign County Illinois | 3 | $ 422,000 | $ 140,000 | $ 19,000 |
| DuPage County Illinois | 3 | $ 449,000 | $ 149,000 | $ 52,000 |
| Garrett County Maryland | 3 | $ 273,000 | $ 91,000 | $ 43,000 |
| Kent County Maryland | 3 | $ 551,000 | $ 183,000 | $ 47,000 |
| Wicomico County Maryland | 3 | $ 483,000 | $ 161,000 | $ 52,000 |
| Berkshire County Massachusetts | 3 | $ 331,000 | $ 110,000 | $ 51,000 |
| Essex County Massachusetts | 3 | $ 676,000 | $ 225,000 | $ 54,000 |
| Chemung County New York | 3 | $ 211,000 | $ 70,000 | $ 40,000 |
| Montgomery County New York | 3 | $ 312,000 | $ 104,000 | $ 54,000 |
| Albemarle County Virginia | 3 | $ 300,000 | $ 100,000 | $ 36,000 |
| Carroll County Virginia | 3 | $ 283,000 | $ 94,000 | $ 43,000 |
| Danville County Virginia | 3 | $ 244,000 | $ 81,000 | $ 39,000 |
| Falls Church County Virginia | 3 | $ 293,000 | $ 97,000 | $ 27,000 |
| Gloucester County Virginia | 3 | $ 372,000 | $ 124,000 | $ 27,000 |
| Isle of Wight County Virginia | 3 | $ 311,000 | $ 103,000 | $ 46,000 |
| Louisa County Virginia | 3 | $ 225,000 | $ 75,000 | $ 41,000 |
| Lynchburg County Virginia | 3 | $ 317,000 | $ 105,000 | $ 52,000 |
| Poquoson County Virginia | 3 | $ 422,000 | $ 140,000 | $ 30,000 |
| Roanoke County Virginia | 3 | $ 343,000 | $ 114,000 | $ 43,000 |
| Litchfield County Connecticut | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Tolland County Connecticut | 2 | $ 273,000 | $ 136,000 | $ 93,000 |
| Windham County Connecticut | 2 | $ 265,000 | $ 132,000 | $ 52,000 |
| Kent County Delaware | 2 | $ 336,000 | $ 168,000 | $ 75,000 |
| Palm Beach County Florida | 2 | $ 442,000 | $ 221,000 | $ 250,000 |
| Kankakee County Illinois | 2 | $ 208,000 | $ 104,000 | $ 45,000 |
| McHenry County Illinois | 2 | $ 675,000 | $ 337,000 | $ 288,000 |
| McLean County Illinois | 2 | $ 245,000 | $ 122,000 | $ 35,000 |
| Sangamon County Illinois | 2 | $ 335,000 | $ 167,000 | $ 76,000 |
| Tazewell County Illinois | 2 | $ 214,000 | $ 107,000 | $ 30,000 |
| Cumberland County Maine | 2 | $ 215,000 | $ 107,000 | $ 74,000 |
| Talbot County Maryland | 2 | $ 364,000 | $ 182,000 | $ 85,000 |
| Ontario County New York | 2 | $ 178,000 | $ 89,000 | $ 39,000 |
| Sullivan County New York | 2 | $ 222,000 | $ 111,000 | $ 47,000 |
| Warren County New York | 2 | $ 251,000 | $ 125,000 | $ 73,000 |
| Washington County New York | 2 | $ 309,000 | $ 154,000 | $ 77,000 |
| Accomack County Virginia | 2 | $ 200,000 | $ 100,000 | $ 41,000 |
| Alleghany County Virginia | 2 | $ 262,000 | $ 131,000 | $ 33,000 |
| Amherst County Virginia | 2 | $ 231,000 | $ 115,000 | $ 25,000 |
| Augusta County Virginia | 2 | $ 186,000 | $ 93,000 | $ 285,000 |
| Botetourt County Virginia | 2 | $ 323,000 | $ 161,000 | $ 30,000 |
| Brunswick County Virginia | 2 | $ 252,000 | $ 126,000 | $ 36,000 |
| Campbell County Virginia | 2 | $ 146,000 | $ 73,000 | $ 38,000 |
| Dinwiddie County Virginia | 2 | $ 286,000 | $ 143,000 | $ 69,000 |
| Franklin County Virginia | 2 | $ 262,000 | $ 131,000 | $ 34,000 |
| Goochland County Virginia | 2 | $ 335,000 | $ 167,000 | $ 81,000 |
| Halifax County Virginia | 2 | $ 133,000 | $ 66,000 | $ 21,000 |
| Henry County Virginia | 2 | $ 223,000 | $ 111,000 | $ 27,000 |
| Hopewell County Virginia | 2 | $ 207,000 | $ 103,000 | $ 56,000 |
| King George County Virginia | 2 | $ 313,000 | $ 156,000 | $ 37,000 |
| Manassas Park County Virginia | 2 | $ 201,000 | $ 100,000 | $ 52,000 |
| Montgomery County Virginia | 2 | $ 195,000 | $ 97,000 | $ 24,000 |
| Nelson County Virginia | 2 | $ 238,000 | $ 119,000 | $ 40,000 |
| Pittsylvania County Virginia | 2 | $ 221,000 | $ 110,000 | $ 38,000 |
| Prince George County Virginia | 2 | $ 232,000 | $ 116,000 | $ 230,000 |
| Rockbridge County Virginia | 2 | $ 208,000 | $ 104,000 | $ 26,000 |
| Rockingham County Virginia | 2 | $ 370,000 | $ 185,000 | $ 35,000 |
| Wise County Virginia | 2 | $ 196,000 | $ 98,000 | $ 71,000 |
| Sacramento County California | 1 | $ 162,000 | $ 162,000 | $ 31,000 |
| Yolo County California | 1 | $ 171,000 | $ 171,000 | $ 48,000 |
| Otero County Colorado | 1 | $ 88,000 | $ 88,000 | $ 24,000 |
| Okaloosa County Florida | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Boone County Illinois | 1 | $ 81,000 | $ 81,000 | $ 28,000 |
| Grundy County Illinois | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| Jo Daviess County Illinois | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
| Kane County Illinois | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| Lake County Illinois | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| LaSalle County Illinois | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Rock Island County Illinois | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Will County Illinois | 1 | $ 81,000 | $ 81,000 | $ 56,000 |
| Williamson County Illinois | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| Dorchester County Maryland | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Lenawee County Michigan | 1 | $ 83,000 | $ 83,000 | $ 37,000 |
| Macomb County Michigan | 1 | $ 167,000 | $ 167,000 | $ 109,000 |
| Muskegon County Michigan | 1 | $ 93,000 | $ 93,000 | $ 18,000 |
| Van Buren County Michigan | 1 | $ 104,000 | $ 104,000 | $ 85,000 |
| Cattaraugus County New York | 1 | $ 126,000 | $ 126,000 | $ 29,000 |
| Chautauqua County New York | 1 | $ 81,000 | $ 81,000 | $ 63,000 |
| Chenango County New York | 1 | $ 77,000 | $ 77,000 | $ 98,000 |
| Clinton County New York | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Fulton County New York | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Herkimer County New York | 1 | $ 158,000 | $ 158,000 | $ 68,000 |
| Madison County New York | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Oneida County New York | 1 | $ 96,000 | $ 96,000 | $ 23,000 |
| Oswego County New York | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| Schoharie County New York | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Steuben County New York | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Wayne County New York | 1 | $ 129,000 | $ 129,000 | $ 86,000 |
| Wyoming County New York | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Bristol County Virginia | 1 | $ 194,000 | $ 194,000 | $ 54,000 |
| Charlottesville County Virginia | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Colonial Heights County Virginia | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Cumberland County Virginia | 1 | $ 133,000 | $ 133,000 | $ 33,000 |
| Fairfax City County Virginia | 1 | $ 163,000 | $ 163,000 | $ 64,000 |
| Fluvanna County Virginia | 1 | $ 93,000 | $ 93,000 | $ 31,000 |
| Fredericksburg County Virginia | 1 | $ 158,000 | $ 158,000 | $ 35,000 |
| Giles County Virginia | 1 | $ 97,000 | $ 97,000 | $ 80,000 |
| Harrisonburg County Virginia | 1 | $ 159,000 | $ 159,000 | $ 85,000 |
| James City County Virginia | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| King William County Virginia | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Lee County Virginia | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Mecklenburg County Virginia | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Northampton County Virginia | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
| Northumberland County Virginia | 1 | $ 72,000 | $ 72,000 | $ 38,000 |
| Norton County Virginia | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Page County Virginia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Patrick County Virginia | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Petersburg County Virginia | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Pulaski County Virginia | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Radford County Virginia | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Scott County Virginia | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Southampton County Virginia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Surry County Virginia | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Tazewell County Virginia | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Guardian Loan Company in 2004
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 | 2,456 | $461,774,000 | $182,000 | $850,000 | $65,615 | $900,000 |
| Home Purchase | 379 | $66,650,000 | $173,000 | $800,000 | $88,777 | $1,680,000 |
| 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 | 1,332 | $254,555,000 | $196,615 | $850,000 | $71,000 | $900,000 |
| Not Provided | 1,077 | $195,235,000 | $221,727 | $800,000 | $73,727 | $1,680,000 |
| Black or African American | 292 | $51,838,000 | $154,571 | $680,000 | $53,857 | $600,000 |
| Hispanic | 96 | $19,041,000 | $180,142 | $405,000 | $59,571 | $242,000 |
| Asian | 24 | $4,741,000 | $207,571 | $405,000 | $76,714 | $173,000 |
| American Indian or Alaskan Native | 8 | $1,314,000 | $165,000 | $242,000 | $52,250 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,700,000 | $266,750 | $400,000 | $65,500 | $150,000 |
| 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) | 2,828 | $527,413,000 | $176,000 | $850,000 | $68,538 | $1,680,000 |
| FHA-insured (Federal Housing Administration) | 3 | $318,000 | $106,000 | $171,000 | $10,000 | $30,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $540,000 | $155,000 | $230,000 | $51,500 | $67,000 |
| VA-guaranteed (Veterans Administration) | 1 | $153,000 | $153,000 | $153,000 | $70,000 | $70,000 |
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 | 1,382 | $264,234,000 | $180,777 | $720,000 | $63,000 | $432,000 |
| Application Approved But Not Accepted | 1,225 | $226,534,000 | $179,666 | $850,000 | $73,750 | $1,680,000 |
| Application Denied By Financial Institution | 228 | $37,656,000 | $201,000 | $775,000 | $61,181 | $329,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Loan Company's 2004 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.
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