Guardian Loan Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Guardian Loan Company 2005 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 | 3,282 |
| Total Mortgage Loan Application Amount | $666,572,000 |
| Average Mortgage Loan Application Amount | $183,600 |
| Highest Mortgage Loan Application Amount | $1,625,000 |
| Average Applicant Income | $82,200 |
| Highest Applicant Income | $1,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 140 | $ 28,957,000 | $ 206,000 | $ 81,000 |
| Ocean County New Jersey | 97 | $ 20,269,000 | $ 208,000 | $ 90,000 |
| Monmouth County New Jersey | 86 | $ 21,978,000 | $ 255,000 | $ 67,000 |
| Suffolk County New York | 82 | $ 20,265,000 | $ 247,000 | $ 65,000 |
| Burlington County New Jersey | 66 | $ 12,240,000 | $ 185,000 | $ 70,000 |
| Middlesex County New Jersey | 57 | $ 13,455,000 | $ 236,000 | $ 110,000 |
| Fairfax County Virginia | 54 | $ 16,463,000 | $ 304,000 | $ 62,000 |
| Prince William County Virginia | 48 | $ 12,805,000 | $ 266,000 | $ 106,000 |
| Virginia Beach County Virginia | 48 | $ 9,387,000 | $ 195,000 | $ 72,000 |
| Gloucester County New Jersey | 47 | $ 8,279,000 | $ 176,000 | $ 54,000 |
| Camden County New Jersey | 46 | $ 7,207,000 | $ 156,000 | $ 57,000 |
| Passaic County New Jersey | 46 | $ 12,863,000 | $ 279,000 | $ 69,000 |
| Baltimore County Maryland | 44 | $ 7,382,000 | $ 167,000 | $ 48,000 |
| Orange County New York | 43 | $ 9,144,000 | $ 212,000 | $ 94,000 |
| Anne Arundel County Maryland | 42 | $ 8,201,000 | $ 195,000 | $ 53,000 |
| Montgomery County Maryland | 42 | $ 11,201,000 | $ 266,000 | $ 50,000 |
| Atlantic County New Jersey | 42 | $ 7,675,000 | $ 182,000 | $ 57,000 |
| Bergen County New Jersey | 41 | $ 13,097,000 | $ 319,000 | $ 133,000 |
| Saratoga County New York | 41 | $ 6,675,000 | $ 162,000 | $ 72,000 |
| Albany County New York | 40 | $ 5,533,000 | $ 138,000 | $ 82,000 |
| Spotsylvania County Virginia | 40 | $ 8,312,000 | $ 207,000 | $ 56,000 |
| Baltimore City County Maryland | 39 | $ 3,566,000 | $ 91,000 | $ 75,000 |
| Essex County New Jersey | 37 | $ 9,192,000 | $ 248,000 | $ 59,000 |
| Union County New Jersey | 37 | $ 10,091,000 | $ 272,000 | $ 85,000 |
| Nassau County New York | 37 | $ 12,008,000 | $ 324,000 | $ 76,000 |
| Morris County New Jersey | 35 | $ 8,366,000 | $ 239,000 | $ 59,000 |
| Westchester County New York | 34 | $ 10,614,000 | $ 312,000 | $ 69,000 |
| Stafford County Virginia | 33 | $ 9,119,000 | $ 276,000 | $ 64,000 |
| Chesterfield County Virginia | 32 | $ 5,137,000 | $ 160,000 | $ 51,000 |
| Sussex County New Jersey | 30 | $ 6,195,000 | $ 206,000 | $ 42,000 |
| Erie County New York | 30 | $ 4,391,000 | $ 146,000 | $ 49,000 |
| Chesapeake County Virginia | 30 | $ 5,886,000 | $ 196,000 | $ 57,000 |
| Wayne County Michigan | 29 | $ 3,926,000 | $ 135,000 | $ 48,000 |
| Dutchess County New York | 29 | $ 5,210,000 | $ 179,000 | $ 41,000 |
| Kings County New York | 28 | $ 9,518,000 | $ 339,000 | $ 58,000 |
| Broward County Florida | 27 | $ 5,114,000 | $ 189,000 | $ 47,000 |
| Palm Beach County Florida | 27 | $ 7,476,000 | $ 276,000 | $ 69,000 |
| Worcester County Massachusetts | 27 | $ 5,249,000 | $ 194,000 | $ 49,000 |
| Queens County New York | 27 | $ 7,315,000 | $ 270,000 | $ 45,000 |
| Rensselaer County New York | 27 | $ 2,664,000 | $ 98,000 | $ 54,000 |
| Ulster County New York | 27 | $ 4,289,000 | $ 158,000 | $ 49,000 |
| Henrico County Virginia | 27 | $ 3,886,000 | $ 143,000 | $ 50,000 |
| Charles County Maryland | 26 | $ 5,868,000 | $ 225,000 | $ 75,000 |
| Richmond County New York | 26 | $ 7,105,000 | $ 273,000 | $ 60,000 |
| Frederick County Maryland | 25 | $ 5,788,000 | $ 231,000 | $ 96,000 |
| Monroe County New York | 25 | $ 3,077,000 | $ 123,000 | $ 58,000 |
| Hampden County Massachusetts | 23 | $ 2,770,000 | $ 120,000 | $ 44,000 |
| Mercer County New Jersey | 23 | $ 3,912,000 | $ 170,000 | $ 46,000 |
| Somerset County New Jersey | 23 | $ 5,909,000 | $ 256,000 | $ 78,000 |
| Rockland County New York | 23 | $ 6,647,000 | $ 289,000 | $ 91,000 |
| Cumberland County New Jersey | 22 | $ 3,098,000 | $ 140,000 | $ 50,000 |
| Hunterdon County New Jersey | 22 | $ 6,137,000 | $ 278,000 | $ 82,000 |
| Warren County New Jersey | 22 | $ 4,086,000 | $ 185,000 | $ 48,000 |
| Orange County Florida | 20 | $ 3,767,000 | $ 188,000 | $ 41,000 |
| Hillsborough County Florida | 19 | $ 3,747,000 | $ 197,000 | $ 58,000 |
| Harford County Maryland | 19 | $ 3,157,000 | $ 166,000 | $ 159,000 |
| Washington County Maryland | 19 | $ 3,580,000 | $ 188,000 | $ 70,000 |
| Salem County New Jersey | 19 | $ 3,279,000 | $ 172,000 | $ 59,000 |
| Hudson County New Jersey | 18 | $ 4,342,000 | $ 241,000 | $ 58,000 |
| Norfolk County Virginia | 18 | $ 2,259,000 | $ 125,000 | $ 59,000 |
| Lee County Florida | 17 | $ 4,993,000 | $ 293,000 | $ 59,000 |
| Onondaga County New York | 17 | $ 1,859,000 | $ 109,000 | $ 40,000 |
| New Haven County Connecticut | 16 | $ 3,424,000 | $ 214,000 | $ 46,000 |
| Pinellas County Florida | 16 | $ 2,055,000 | $ 128,000 | $ 30,000 |
| Bristol County Massachusetts | 16 | $ 3,433,000 | $ 214,000 | $ 45,000 |
| Middlesex County Massachusetts | 16 | $ 3,594,000 | $ 224,000 | $ 54,000 |
| Frederick County Virginia | 16 | $ 3,154,000 | $ 197,000 | $ 48,000 |
| St. Mary's County Maryland | 15 | $ 2,904,000 | $ 193,000 | $ 55,000 |
| Plymouth County Massachusetts | 15 | $ 3,292,000 | $ 219,000 | $ 58,000 |
| Schenectady County New York | 15 | $ 1,963,000 | $ 130,000 | $ 55,000 |
| Portsmouth County Virginia | 15 | $ 2,329,000 | $ 155,000 | $ 46,000 |
| Brevard County Florida | 14 | $ 2,646,000 | $ 189,000 | $ 40,000 |
| Duval County Florida | 14 | $ 2,660,000 | $ 190,000 | $ 49,000 |
| Miami-Dade County Florida | 14 | $ 3,175,000 | $ 226,000 | $ 90,000 |
| Calvert County Maryland | 14 | $ 2,671,000 | $ 190,000 | $ 157,000 |
| Genesee County Michigan | 14 | $ 1,744,000 | $ 124,000 | $ 45,000 |
| Cape May County New Jersey | 14 | $ 2,817,000 | $ 201,000 | $ 45,000 |
| Culpeper County Virginia | 14 | $ 2,939,000 | $ 209,000 | $ 53,000 |
| Barnstable County Massachusetts | 13 | $ 2,577,000 | $ 198,000 | $ 58,000 |
| Collier County Florida | 12 | $ 5,474,000 | $ 456,000 | $ 124,000 |
| Norfolk County Massachusetts | 12 | $ 3,872,000 | $ 322,000 | $ 83,000 |
| Oakland County Michigan | 12 | $ 2,366,000 | $ 197,000 | $ 79,000 |
| Hanover County Virginia | 12 | $ 2,233,000 | $ 186,000 | $ 55,000 |
| Loudoun County Virginia | 12 | $ 4,216,000 | $ 351,000 | $ 82,000 |
| Suffolk County Virginia | 12 | $ 2,630,000 | $ 219,000 | $ 53,000 |
| New Castle County Delaware | 11 | $ 1,985,000 | $ 180,000 | $ 50,000 |
| Cecil County Maryland | 11 | $ 2,009,000 | $ 182,000 | $ 44,000 |
| Niagara County New York | 11 | $ 1,589,000 | $ 144,000 | $ 63,000 |
| Newport News County Virginia | 11 | $ 1,530,000 | $ 139,000 | $ 104,000 |
| Fairfield County Connecticut | 10 | $ 2,626,000 | $ 262,000 | $ 71,000 |
| Sarasota County Florida | 10 | $ 1,743,000 | $ 174,000 | $ 56,000 |
| Macomb County Michigan | 10 | $ 1,776,000 | $ 177,000 | $ 60,000 |
| St. Clair County Michigan | 10 | $ 1,319,000 | $ 131,000 | $ 29,000 |
| Sullivan County New York | 10 | $ 1,097,000 | $ 109,000 | $ 46,000 |
| Seminole County Florida | 9 | $ 2,217,000 | $ 246,000 | $ 66,000 |
| Berkshire County Massachusetts | 9 | $ 1,460,000 | $ 162,000 | $ 56,000 |
| Suffolk County Massachusetts | 9 | $ 2,015,000 | $ 223,000 | $ 66,000 |
| Orange County Virginia | 9 | $ 2,035,000 | $ 226,000 | $ 65,000 |
| Hartford County Connecticut | 8 | $ 1,342,000 | $ 167,000 | $ 57,000 |
| Manatee County Florida | 8 | $ 1,705,000 | $ 213,000 | $ 72,000 |
| Volusia County Florida | 8 | $ 1,289,000 | $ 161,000 | $ 38,000 |
| Wicomico County Maryland | 8 | $ 829,000 | $ 103,000 | $ 97,000 |
| Essex County Massachusetts | 8 | $ 1,823,000 | $ 227,000 | $ 56,000 |
| Kent County Michigan | 8 | $ 1,031,000 | $ 128,000 | $ 36,000 |
| Ontario County New York | 8 | $ 1,004,000 | $ 125,000 | $ 34,000 |
| Putnam County New York | 8 | $ 2,058,000 | $ 257,000 | $ 48,000 |
| Tompkins County New York | 8 | $ 1,206,000 | $ 150,000 | $ 134,000 |
| Warren County Virginia | 8 | $ 1,513,000 | $ 189,000 | $ 56,000 |
| Polk County Florida | 7 | $ 685,000 | $ 97,000 | $ 34,000 |
| Carroll County Maryland | 7 | $ 1,377,000 | $ 196,000 | $ 66,000 |
| Howard County Maryland | 7 | $ 3,113,000 | $ 444,000 | $ 118,000 |
| Queen Anne's County Maryland | 7 | $ 1,602,000 | $ 228,000 | $ 40,000 |
| Worcester County Maryland | 7 | $ 1,538,000 | $ 219,000 | $ 65,000 |
| Hampshire County Massachusetts | 7 | $ 1,059,000 | $ 151,000 | $ 34,000 |
| Jackson County Michigan | 7 | $ 1,312,000 | $ 187,000 | $ 36,000 |
| Columbia County New York | 7 | $ 992,000 | $ 141,000 | $ 34,000 |
| Warren County New York | 7 | $ 1,288,000 | $ 184,000 | $ 30,000 |
| Hampton County Virginia | 7 | $ 922,000 | $ 131,000 | $ 46,000 |
| Richmond City County Virginia | 7 | $ 1,075,000 | $ 153,000 | $ 45,000 |
| Livingston County Michigan | 6 | $ 1,143,000 | $ 190,000 | $ 63,000 |
| Bronx County New York | 6 | $ 1,257,000 | $ 209,000 | $ 58,000 |
| Montgomery County New York | 6 | $ 524,000 | $ 87,000 | $ 51,000 |
| Arlington County Virginia | 6 | $ 1,757,000 | $ 292,000 | $ 180,000 |
| Fauquier County Virginia | 6 | $ 1,687,000 | $ 281,000 | $ 77,000 |
| Charlotte County Florida | 5 | $ 513,000 | $ 102,000 | $ 22,000 |
| Okaloosa County Florida | 5 | $ 904,000 | $ 180,000 | $ 27,000 |
| Dorchester County Maryland | 5 | $ 1,003,000 | $ 200,000 | $ 30,000 |
| Talbot County Maryland | 5 | $ 867,000 | $ 173,000 | $ 62,000 |
| Franklin County Massachusetts | 5 | $ 752,000 | $ 150,000 | $ 42,000 |
| Berrien County Michigan | 5 | $ 572,000 | $ 114,000 | $ 30,000 |
| Calhoun County Michigan | 5 | $ 592,000 | $ 118,000 | $ 52,000 |
| Delaware County New York | 5 | $ 607,000 | $ 121,000 | $ 42,000 |
| Greene County New York | 5 | $ 854,000 | $ 170,000 | $ 65,000 |
| Livingston County New York | 5 | $ 485,000 | $ 97,000 | $ 41,000 |
| St. Lawrence County New York | 5 | $ 390,000 | $ 78,000 | $ 35,000 |
| Tioga County New York | 5 | $ 608,000 | $ 121,000 | $ 60,000 |
| Albemarle County Virginia | 5 | $ 941,000 | $ 188,000 | $ 55,000 |
| York County Virginia | 5 | $ 715,000 | $ 143,000 | $ 41,000 |
| Alachua County Florida | 4 | $ 567,000 | $ 141,000 | $ 75,000 |
| Lake County Florida | 4 | $ 648,000 | $ 162,000 | $ 29,000 |
| Marion County Florida | 4 | $ 388,000 | $ 97,000 | $ 43,000 |
| Monroe County Florida | 4 | $ 1,467,000 | $ 366,000 | $ 73,000 |
| Osceola County Florida | 4 | $ 979,000 | $ 244,000 | $ 59,000 |
| Somerset County Maryland | 4 | $ 516,000 | $ 129,000 | $ 58,000 |
| Allegan County Michigan | 4 | $ 483,000 | $ 120,000 | $ 28,000 |
| Eaton County Michigan | 4 | $ 444,000 | $ 111,000 | $ 53,000 |
| Ingham County Michigan | 4 | $ 515,000 | $ 128,000 | $ 43,000 |
| Monroe County Michigan | 4 | $ 656,000 | $ 164,000 | $ 70,000 |
| Oneida County New York | 4 | $ 350,000 | $ 87,000 | $ 33,000 |
| Wayne County New York | 4 | $ 390,000 | $ 97,000 | $ 39,000 |
| Campbell County Virginia | 4 | $ 386,000 | $ 96,000 | $ 84,000 |
| Gloucester County Virginia | 4 | $ 470,000 | $ 117,000 | $ 31,000 |
| James City County Virginia | 4 | $ 1,303,000 | $ 325,000 | $ 98,000 |
| King George County Virginia | 4 | $ 719,000 | $ 179,000 | $ 41,000 |
| Wise County Virginia | 4 | $ 398,000 | $ 99,000 | $ 65,000 |
| Tolland County Connecticut | 3 | $ 485,000 | $ 161,000 | $ 36,000 |
| Leon County Florida | 3 | $ 387,000 | $ 129,000 | $ 54,000 |
| Pasco County Florida | 3 | $ 356,000 | $ 118,000 | $ 51,000 |
| York County Maine | 3 | $ 446,000 | $ 148,000 | $ 30,000 |
| Kent County Maryland | 3 | $ 668,000 | $ 222,000 | $ 53,000 |
| Ottawa County Michigan | 3 | $ 311,000 | $ 103,000 | $ 63,000 |
| Saginaw County Michigan | 3 | $ 369,000 | $ 123,000 | $ 33,000 |
| Washtenaw County Michigan | 3 | $ 1,020,000 | $ 340,000 | $ 86,000 |
| Broome County New York | 3 | $ 302,000 | $ 100,000 | $ 39,000 |
| Chautauqua County New York | 3 | $ 300,000 | $ 100,000 | $ 75,000 |
| Clinton County New York | 3 | $ 179,000 | $ 59,000 | $ 57,000 |
| Essex County New York | 3 | $ 361,000 | $ 120,000 | $ 23,000 |
| Fulton County New York | 3 | $ 236,000 | $ 78,000 | $ 13,000 |
| Madison County New York | 3 | $ 265,000 | $ 88,000 | $ 50,000 |
| Orleans County New York | 3 | $ 297,000 | $ 99,000 | $ 38,000 |
| Providence County Rhode Island | 3 | $ 568,000 | $ 189,000 | $ 119,000 |
| Accomack County Virginia | 3 | $ 296,000 | $ 98,000 | $ 41,000 |
| Alexandria County Virginia | 3 | $ 861,000 | $ 287,000 | $ 86,000 |
| Amherst County Virginia | 3 | $ 389,000 | $ 129,000 | $ 57,000 |
| Bedford County Virginia | 3 | $ 615,000 | $ 205,000 | $ 51,000 |
| Henry County Virginia | 3 | $ 213,000 | $ 71,000 | $ 40,000 |
| Manassas County Virginia | 3 | $ 629,000 | $ 209,000 | $ 23,000 |
| New Kent County Virginia | 3 | $ 419,000 | $ 139,000 | $ 22,000 |
| Petersburg County Virginia | 3 | $ 380,000 | $ 126,000 | $ 56,000 |
| Pittsylvania County Virginia | 3 | $ 226,000 | $ 75,000 | $ 47,000 |
| Prince George County Virginia | 3 | $ 411,000 | $ 137,000 | $ 53,000 |
| Rockingham County Virginia | 3 | $ 471,000 | $ 157,000 | $ 39,000 |
| El Paso County Colorado | 2 | $ 318,000 | $ 159,000 | $ 52,000 |
| New London County Connecticut | 2 | $ 539,000 | $ 269,000 | $ 25,000 |
| Windham County Connecticut | 2 | $ 284,000 | $ 142,000 | $ 79,000 |
| Kent County Delaware | 2 | $ 248,000 | $ 124,000 | $ 57,000 |
| Flagler County Florida | 2 | $ 349,000 | $ 174,000 | $ 40,000 |
| Hernando County Florida | 2 | $ 165,000 | $ 82,000 | $ 33,000 |
| St. Lucie County Florida | 2 | $ 262,000 | $ 131,000 | $ 31,000 |
| Cumberland County Maine | 2 | $ 302,000 | $ 151,000 | $ 36,000 |
| Penobscot County Maine | 2 | $ 320,000 | $ 160,000 | $ 35,000 |
| Allegany County Maryland | 2 | $ 298,000 | $ 149,000 | $ 67,000 |
| Bay County Michigan | 2 | $ 245,000 | $ 122,000 | $ 138,000 |
| Grand Traverse County Michigan | 2 | $ 235,000 | $ 117,000 | $ 7,000 |
| Huron County Michigan | 2 | $ 275,000 | $ 137,000 | $ 37,000 |
| Lenawee County Michigan | 2 | $ 359,000 | $ 179,000 | $ 81,000 |
| Cayuga County New York | 2 | $ 185,000 | $ 92,000 | $ 39,000 |
| Chemung County New York | 2 | $ 118,000 | $ 59,000 | $ 54,000 |
| Cortland County New York | 2 | $ 234,000 | $ 117,000 | $ 57,000 |
| Franklin County New York | 2 | $ 197,000 | $ 98,000 | $ 21,000 |
| Jefferson County New York | 2 | $ 234,000 | $ 117,000 | $ 40,000 |
| New York County New York | 2 | $ 600,000 | $ 300,000 | $ 43,000 |
| Washington County New York | 2 | $ 150,000 | $ 75,000 | $ 30,000 |
| Washington County Rhode Island | 2 | $ 484,000 | $ 242,000 | $ 82,000 |
| Augusta County Virginia | 2 | $ 395,000 | $ 197,000 | $ 89,000 |
| Botetourt County Virginia | 2 | $ 180,000 | $ 90,000 | $ 45,000 |
| Charlotte County Virginia | 2 | $ 396,000 | $ 198,000 | $ 71,000 |
| Colonial Heights County Virginia | 2 | $ 282,000 | $ 141,000 | $ 54,000 |
| Danville County Virginia | 2 | $ 234,000 | $ 117,000 | $ 30,000 |
| Goochland County Virginia | 2 | $ 189,000 | $ 94,000 | $ 30,000 |
| Isle of Wight County Virginia | 2 | $ 361,000 | $ 180,000 | $ 58,000 |
| King William County Virginia | 2 | $ 250,000 | $ 125,000 | $ 40,000 |
| Louisa County Virginia | 2 | $ 221,000 | $ 110,000 | $ 34,000 |
| Manassas Park County Virginia | 2 | $ 401,000 | $ 200,000 | $ 86,000 |
| Montgomery County Virginia | 2 | $ 308,000 | $ 154,000 | $ 43,000 |
| Poquoson County Virginia | 2 | $ 711,000 | $ 355,000 | $ 117,000 |
| Powhatan County Virginia | 2 | $ 352,000 | $ 176,000 | $ 36,000 |
| Roanoke County Virginia | 2 | $ 353,000 | $ 176,000 | $ 24,000 |
| Roanoke City County Virginia | 2 | $ 179,000 | $ 89,000 | $ 27,000 |
| Southampton County Virginia | 2 | $ 299,000 | $ 149,000 | $ 66,000 |
| Staunton County Virginia | 2 | $ 338,000 | $ 169,000 | $ 64,000 |
| Denver County Colorado | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Jefferson County Colorado | 1 | $ 261,000 | $ 261,000 | $ 55,000 |
| Mesa County Colorado | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Pueblo County Colorado | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 360,000 | $ 360,000 | $ 102,000 |
| Sussex County Delaware | 1 | $ 131,000 | $ 131,000 | $ 76,000 |
| Bay County Florida | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Citrus County Florida | 1 | $ 96,000 | $ 96,000 | $ 25,000 |
| Clay County Florida | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Columbia County Florida | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Highlands County Florida | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Indian River County Florida | 1 | $ 168,000 | $ 168,000 | $ 46,000 |
| Martin County Florida | 1 | $ 122,000 | $ 122,000 | $ 36,000 |
| Okeechobee County Florida | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| St. Johns County Florida | 1 | $ 279,000 | $ 279,000 | $ 48,000 |
| Walton County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Androscoggin County Maine | 1 | $ 192,000 | $ 192,000 | $ 71,000 |
| Franklin County Maine | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Hancock County Maine | 1 | $ 82,000 | $ 82,000 | $ 79,000 |
| Kennebec County Maine | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Oxford County Maine | 1 | $ 109,000 | $ 109,000 | $ 88,000 |
| Sagadahoc County Maine | 1 | $ 114,000 | $ 114,000 | $ 33,000 |
| Somerset County Maine | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Caroline County Maryland | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Garrett County Maryland | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Dukes County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 34,000 |
| Branch County Michigan | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Cass County Michigan | 1 | $ 64,000 | $ 64,000 | $ 39,000 |
| Clinton County Michigan | 1 | $ 164,000 | $ 164,000 | $ 96,000 |
| Dickinson County Michigan | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Gladwin County Michigan | 1 | $ 203,000 | $ 203,000 | $ 31,000 |
| Kalamazoo County Michigan | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Lapeer County Michigan | 1 | $ 153,000 | $ 153,000 | $ 58,000 |
| Marquette County Michigan | 1 | $ 46,000 | $ 46,000 | $ 19,000 |
| Mason County Michigan | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Mecosta County Michigan | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Midland County Michigan | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Otsego County Michigan | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
| Presque Isle County Michigan | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Sanilac County Michigan | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Shiawassee County Michigan | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Van Buren County Michigan | 1 | $ 82,000 | $ 82,000 | $ 72,000 |
| Chenango County New York | 1 | $ 118,000 | $ 118,000 | $ 64,000 |
| Oswego County New York | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Steuben County New York | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Wyoming County New York | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Yates County New York | 1 | $ 141,000 | $ 141,000 | $ 44,000 |
| Union County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 27,000 |
| Kent County Rhode Island | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Amelia County Virginia | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Bristol County Virginia | 1 | $ 77,000 | $ 77,000 | $ 17,000 |
| Brunswick County Virginia | 1 | $ 111,000 | $ 111,000 | $ 98,000 |
| Buckingham County Virginia | 1 | $ 98,000 | $ 98,000 | $ 22,000 |
| Buena Vista County Virginia | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Caroline County Virginia | 1 | $ 186,000 | $ 186,000 | $ 53,000 |
| Carroll County Virginia | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Charles City County Virginia | 1 | $ 60,000 | $ 60,000 | $ 15,000 |
| Fairfax City County Virginia | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Falls Church County Virginia | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Fluvanna County Virginia | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Fredericksburg County Virginia | 1 | $ 337,000 | $ 337,000 | $ 59,000 |
| Grayson County Virginia | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
| Greene County Virginia | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Harrisonburg County Virginia | 1 | $ 95,000 | $ 95,000 | $ 15,000 |
| Hopewell County Virginia | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Martinsville County Virginia | 1 | $ 81,000 | $ 81,000 | $ 52,000 |
| Northampton County Virginia | 1 | $ 274,000 | $ 274,000 | $ 59,000 |
| Northumberland County Virginia | 1 | $ 86,000 | $ 86,000 | $ 24,000 |
| Page County Virginia | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Patrick County Virginia | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Rappahannock County Virginia | 1 | $ 209,000 | $ 209,000 | $ 90,000 |
| Rockbridge County Virginia | 1 | $ 99,000 | $ 99,000 | $ 62,000 |
| Shenandoah County Virginia | 1 | $ 147,000 | $ 147,000 | $ 92,000 |
| Tazewell County Virginia | 1 | $ 102,000 | $ 102,000 | $ 29,000 |
| Washington County Virginia | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Waynesboro County Virginia | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
| Williamsburg County Virginia | 1 | $ 157,000 | $ 157,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Guardian Loan Company in 2005
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 | 3,133 | $643,892,000 | $187,166 | $1,625,000 | $56,583 | $728,000 |
| Home Purchase | 149 | $22,680,000 | $178,250 | $600,000 | $120,625 | $1,800,000 |
| 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 | 1,980 | $392,444,000 | $181,230 | $1,203,000 | $53,769 | $728,000 |
| Not Provided | 598 | $126,226,000 | $200,583 | $1,625,000 | $78,250 | $1,800,000 |
| Black or African American | 507 | $101,289,000 | $199,444 | $950,000 | $51,555 | $215,000 |
| Hispanic | 143 | $32,532,000 | $209,500 | $797,000 | $54,125 | $449,000 |
| Asian | 34 | $9,473,000 | $284,571 | $795,000 | $72,285 | $150,000 |
| American Indian or Alaskan Native | 12 | $2,789,000 | $270,428 | $496,000 | $52,571 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,819,000 | $207,166 | $477,000 | $60,000 | $97,000 |
| 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) | 3,282 | $666,572,000 | $183,692 | $1,625,000 | $57,230 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,559 | $310,798,000 | $180,583 | $1,203,000 | $55,166 | $559,000 |
| Application Approved But Not Accepted | 1,306 | $279,060,000 | $193,416 | $1,625,000 | $69,583 | $1,800,000 |
| Application Denied By Financial Institution | 417 | $76,714,000 | $174,750 | $685,000 | $46,083 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 6 | $1,227,000 | $204,000 | $364,000 | $28,000 | $53,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Loan Company's 2005 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.