Guardian Mortgage Company, Inc Mortgage Lending & HMDA Data, 2014
In 2014, Guardian Mortgage Company, Inc of Richardson, TX reported 3,089 mortgage applications totaling $565.8 million. The average application was for $183,167, and applicants reported an average income of $124,976. 63% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,182), Flint, MI (362) and Fort Worth-Arlington, TX (329) (applications in parentheses).
| Mortgage Company & Address | Guardian Mortgage Company, Inc 100 N. Central Expressway Suite 190 Richardson, TX 75083 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 |
| Total Number of Mortgage Applications | 3,089 |
| Total Mortgage Loan Application Amount | $565,803,000 |
| Average Mortgage Loan Application Amount | $183,167 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $124,976 |
| Highest Applicant Income | $6,760,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guardian Mortgage Company, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Collin, Texas | 469 | $ 103,471,000 | $ 220,620 | $ 141,000 |
| Dallas, Texas | 401 | $ 75,816,000 | $ 189,067 | $ 131,000 |
| Genesee, Michigan | 362 | $ 43,545,000 | $ 120,290 | $ 84,000 |
| Tarrant, Texas | 295 | $ 45,666,000 | $ 154,800 | $ 117,000 |
| Denton, Texas | 243 | $ 47,907,000 | $ 197,148 | $ 142,000 |
| Oakland, Michigan | 92 | $ 18,600,000 | $ 202,173 | $ 137,000 |
| El Paso, Texas | 62 | $ 11,831,000 | $ 190,822 | $ 128,000 |
| Oklahoma, Oklahoma | 59 | $ 11,877,000 | $ 201,305 | $ 125,000 |
| Harris, Texas | 56 | $ 11,681,000 | $ 208,589 | $ 119,000 |
| Gillespie, Texas | 54 | $ 9,994,000 | $ 185,074 | $ 101,000 |
| Galveston, Texas | 41 | $ 9,122,000 | $ 222,487 | $ 166,000 |
| Wichita, Texas | 40 | $ 5,352,000 | $ 133,800 | $ 93,000 |
| Travis, Texas | 33 | $ 8,589,000 | $ 260,272 | $ 168,000 |
| Williamson, Texas | 32 | $ 7,410,000 | $ 231,562 | $ 123,000 |
| Bexar, Texas | 31 | $ 7,052,000 | $ 227,483 | $ 133,000 |
| Kendall, Texas | 29 | $ 8,302,000 | $ 286,275 | $ 160,000 |
| Rockwall, Texas | 29 | $ 5,627,000 | $ 194,034 | $ 124,000 |
| Washington, Arkansas | 28 | $ 4,588,000 | $ 163,857 | $ 120,000 |
| Benton, Arkansas | 27 | $ 5,838,000 | $ 216,222 | $ 129,000 |
| Tom Green, Texas | 26 | $ 4,308,000 | $ 165,692 | $ 93,000 |
| Macomb, Michigan | 22 | $ 3,936,000 | $ 178,909 | $ 108,000 |
| Ellis, Texas | 20 | $ 3,475,000 | $ 173,750 | $ 103,000 |
| Lapeer, Michigan | 19 | $ 2,570,000 | $ 135,263 | $ 90,000 |
| Parker, Texas | 17 | $ 3,153,000 | $ 185,470 | $ 131,000 |
| Dona Ana, New Mexico | 14 | $ 2,694,000 | $ 192,428 | $ 90,000 |
| Grayson, Texas | 14 | $ 2,683,000 | $ 191,642 | $ 149,000 |
| Kaufman, Texas | 14 | $ 2,238,000 | $ 159,857 | $ 129,000 |
| Wayne, Michigan | 13 | $ 1,859,000 | $ 143,000 | $ 72,000 |
| Livingston, Michigan | 12 | $ 2,085,000 | $ 173,750 | $ 120,000 |
| Fort Bend, Texas | 12 | $ 3,086,000 | $ 257,166 | $ 127,000 |
| Montgomery, Texas | 12 | $ 2,389,000 | $ 199,083 | $ 137,000 |
| Brazoria, Texas | 11 | $ 1,890,000 | $ 171,818 | $ 109,000 |
| Johnson, Texas | 11 | $ 1,568,000 | $ 142,545 | $ 112,000 |
| Kerr, Texas | 10 | $ 1,758,000 | $ 175,800 | $ 93,000 |
| Shiawassee, Michigan | 9 | $ 845,000 | $ 93,888 | $ 73,000 |
| Grant, Arkansas | 8 | $ 909,000 | $ 113,625 | $ 58,000 |
| Comal, Texas | 8 | $ 2,279,000 | $ 284,875 | $ 112,000 |
| Smith, Texas | 8 | $ 1,336,000 | $ 167,000 | $ 94,000 |
| Cleveland, Oklahoma | 7 | $ 1,515,000 | $ 216,428 | $ 110,000 |
| Burnet, Texas | 7 | $ 1,496,000 | $ 213,714 | $ 101,000 |
| Hays, Texas | 7 | $ 1,534,000 | $ 219,142 | $ 115,000 |
| Hidalgo, Texas | 7 | $ 1,258,000 | $ 179,714 | $ 130,000 |
| Polk, Arkansas | 6 | $ 739,000 | $ 123,166 | $ 91,000 |
| Logan, Oklahoma | 6 | $ 1,292,000 | $ 215,333 | $ 113,000 |
| Hunt, Texas | 6 | $ 865,000 | $ 144,166 | $ 104,000 |
| Llano, Texas | 6 | $ 1,220,000 | $ 203,333 | $ 156,000 |
| Lubbock, Texas | 6 | $ 540,000 | $ 90,000 | $ 236,000 |
| Arkansas, Arkansas | 5 | $ 783,000 | $ 156,600 | $ 95,000 |
| Saginaw, Michigan | 5 | $ 518,000 | $ 103,600 | $ 56,000 |
| Canadian, Oklahoma | 5 | $ 1,051,000 | $ 210,200 | $ 146,000 |
| Bandera, Texas | 5 | $ 615,000 | $ 123,000 | $ 113,000 |
| Bell, Texas | 5 | $ 954,000 | $ 190,800 | $ 76,000 |
| Brazos, Texas | 5 | $ 884,000 | $ 176,800 | $ 117,000 |
| Hood, Texas | 5 | $ 753,000 | $ 150,600 | $ 77,000 |
| Ouachita, Arkansas | 4 | $ 321,000 | $ 80,250 | $ 74,000 |
| Antrim, Michigan | 4 | $ 433,000 | $ 108,250 | $ 111,000 |
| St. Clair, Michigan | 4 | $ 792,000 | $ 198,000 | $ 289,000 |
| Brewster, Texas | 4 | $ 631,000 | $ 157,750 | $ 135,000 |
| Clay, Texas | 4 | $ 792,000 | $ 198,000 | $ 75,000 |
| Midland, Texas | 4 | $ 1,115,000 | $ 278,750 | $ 154,000 |
| Wood, Texas | 4 | $ 767,000 | $ 191,750 | $ 142,000 |
| Calhoun, Arkansas | 3 | $ 412,000 | $ 137,333 | $ 93,000 |
| Kent, Michigan | 3 | $ 668,000 | $ 222,666 | $ 118,000 |
| Otsego, Michigan | 3 | $ 378,000 | $ 126,000 | $ 66,000 |
| Roscommon, Michigan | 3 | $ 205,000 | $ 68,333 | $ 104,000 |
| Bernalillo, New Mexico | 3 | $ 491,000 | $ 163,666 | $ 75,000 |
| McClain, Oklahoma | 3 | $ 888,000 | $ 296,000 | $ 189,000 |
| Archer, Texas | 3 | $ 337,000 | $ 112,333 | $ 127,000 |
| Henderson, Texas | 3 | $ 661,000 | $ 220,333 | $ 174,000 |
| Jefferson, Texas | 3 | $ 513,000 | $ 171,000 | $ 89,000 |
| McLennan, Texas | 3 | $ 559,000 | $ 186,333 | $ 182,000 |
| Randall, Texas | 3 | $ 590,000 | $ 196,666 | $ 89,000 |
| Wilson, Texas | 3 | $ 711,000 | $ 237,000 | $ 138,000 |
| Hot Spring, Arkansas | 2 | $ 335,000 | $ 167,500 | $ 70,000 |
| Miller, Arkansas | 2 | $ 104,000 | $ 52,000 | $ 43,000 |
| Pulaski, Arkansas | 2 | $ 581,000 | $ 290,500 | $ 134,000 |
| Alcona, Michigan | 2 | $ 217,000 | $ 108,500 | $ 186,000 |
| Allegan, Michigan | 2 | $ 385,000 | $ 192,500 | $ 150,000 |
| Eaton, Michigan | 2 | $ 318,000 | $ 159,000 | $ 116,000 |
| Grand Traverse, Michigan | 2 | $ 429,000 | $ 214,500 | $ 88,000 |
| Tuscola, Michigan | 2 | $ 275,000 | $ 137,500 | $ 75,000 |
| Washtenaw, Michigan | 2 | $ 364,000 | $ 182,000 | $ 120,000 |
| Delaware, Oklahoma | 2 | $ 749,000 | $ 374,500 | $ 338,000 |
| Marshall, Oklahoma | 2 | $ 498,000 | $ 249,000 | $ 364,000 |
| Pontotoc, Oklahoma | 2 | $ 355,000 | $ 177,500 | $ 69,000 |
| Tulsa, Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Bowie, Texas | 2 | $ 146,000 | $ 73,000 | $ 49,000 |
| Guadalupe, Texas | 2 | $ 468,000 | $ 234,000 | $ 203,000 |
| Lamar, Texas | 2 | $ 238,000 | $ 119,000 | $ 91,000 |
| Medina, Texas | 2 | $ 548,000 | $ 274,000 | $ 119,000 |
| Nueces, Texas | 2 | $ 456,000 | $ 228,000 | $ 91,000 |
| Panola, Texas | 2 | $ 265,000 | $ 132,500 | $ 83,000 |
| Sutton, Texas | 2 | $ 273,000 | $ 136,500 | $ 73,000 |
| Waller, Texas | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Wilbarger, Texas | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Boone, Arkansas | 1 | $ 74,000 | $ 74,000 | $ 50,000 |
| Carroll, Arkansas | 1 | $ 274,000 | $ 274,000 | $ 264,000 |
| Crawford, Arkansas | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Dallas, Arkansas | 1 | $ 49,000 | $ 49,000 | $ 34,000 |
| Faulkner, Arkansas | 1 | $ 57,000 | $ 57,000 | $ 60,000 |
| Lonoke, Arkansas | 1 | $ 344,000 | $ 344,000 | $ 195,000 |
| Madison, Arkansas | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Saline, Arkansas | 1 | $ 144,000 | $ 144,000 | $ 40,000 |
| Sebastian, Arkansas | 1 | $ 192,000 | $ 192,000 | $ 140,000 |
| Sevier, Arkansas | 1 | $ 121,000 | $ 121,000 | $ 54,000 |
| Union, Arkansas | 1 | $ 79,000 | $ 79,000 | $ 73,000 |
| White, Arkansas | 1 | $ 132,000 | $ 132,000 | $ 135,000 |
| Clear Creek, Colorado | 1 | $ 91,000 | $ 91,000 | $ 72,000 |
| Douglas, Colorado | 1 | $ 217,000 | $ 217,000 | $ 180,000 |
| Eagle, Colorado | 1 | $ 1,120,000 | $ 1,120,000 | $ 1,471,000 |
| Benzie, Michigan | 1 | $ 128,000 | $ 128,000 | $ 213,000 |
| Berrien, Michigan | 1 | $ 72,000 | $ 72,000 | $ 168,000 |
| Calhoun, Michigan | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Clinton, Michigan | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Emmet, Michigan | 1 | $ 128,000 | $ 128,000 | $ 399,000 |
| Huron, Michigan | 1 | $ 73,000 | $ 73,000 | $ 80,000 |
| Ingham, Michigan | 1 | $ 194,000 | $ 194,000 | $ 68,000 |
| Iosco, Michigan | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Jackson, Michigan | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Lake, Michigan | 1 | $ 138,000 | $ 138,000 | $ 140,000 |
| Leelanau, Michigan | 1 | $ 220,000 | $ 220,000 | $ 333,000 |
| Manistee, Michigan | 1 | $ 50,000 | $ 50,000 | $ 119,000 |
| Missaukee, Michigan | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Muskegon, Michigan | 1 | $ 260,000 | $ 260,000 | $ 140,000 |
| Newaygo, Michigan | 1 | $ 1,000 | $ 1,000 | $ 44,000 |
| Ogemaw, Michigan | 1 | $ 74,000 | $ 74,000 | $ 124,000 |
| Ottawa, Michigan | 1 | $ 220,000 | $ 220,000 | $ 107,000 |
| Van Buren, Michigan | 1 | $ 169,000 | $ 169,000 | $ 87,000 |
| Eddy, New Mexico | 1 | $ 109,000 | $ 109,000 | $ 123,000 |
| Lincoln, New Mexico | 1 | $ 98,000 | $ 98,000 | $ 160,000 |
| Los Alamos, New Mexico | 1 | $ 238,000 | $ 238,000 | $ 135,000 |
| McKinley, New Mexico | 1 | $ 132,000 | $ 132,000 | $ 79,000 |
| San Juan, New Mexico | 1 | $ 145,000 | $ 145,000 | $ 170,000 |
| Santa Fe, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 151,000 |
| Taos, New Mexico | 1 | $ 100,000 | $ 100,000 | $ 146,000 |
| Valencia, New Mexico | 1 | $ 111,000 | $ 111,000 | $ 84,000 |
| Garvin, Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 55,000 |
| Johnston, Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 59,000 |
| McCurtain, Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 48,000 |
| McIntosh, Oklahoma | 1 | $ 236,000 | $ 236,000 | $ 92,000 |
| Anderson, Texas | 1 | $ 417,000 | $ 417,000 | $ 364,000 |
| Atascosa, Texas | 1 | $ 154,000 | $ 154,000 | $ 38,000 |
| Blanco, Texas | 1 | $ 377,000 | $ 377,000 | $ 135,000 |
| Brown, Texas | 1 | $ 304,000 | $ 304,000 | $ 81,000 |
| Caldwell, Texas | 1 | $ 72,000 | $ 72,000 | $ 47,000 |
| Chambers, Texas | 1 | $ 152,000 | $ 152,000 | $ 123,000 |
| Cherokee, Texas | 1 | $ 120,000 | $ 120,000 | $ 121,000 |
| Coke, Texas | 1 | $ 206,000 | $ 206,000 | $ 122,000 |
| Coryell, Texas | 1 | $ 227,000 | $ 227,000 | $ 121,000 |
| Crockett, Texas | 1 | $ 86,000 | $ 86,000 | $ 79,000 |
| Ector, Texas | 1 | $ 133,000 | $ 133,000 | $ 164,000 |
| Fannin, Texas | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Franklin, Texas | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Gregg, Texas | 1 | $ 335,000 | $ 335,000 | $ 272,000 |
| Hopkins, Texas | 1 | $ 300,000 | $ 300,000 | $ 142,000 |
| Irion, Texas | 1 | $ 269,000 | $ 269,000 | $ 96,000 |
| Lee, Texas | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Montague, Texas | 1 | $ 45,000 | $ 45,000 | $ 188,000 |
| Nacogdoches, Texas | 1 | $ 128,000 | $ 128,000 | $ 111,000 |
| Newton, Texas | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| Polk, Texas | 1 | $ 51,000 | $ 51,000 | $ 254,000 |
| Presidio, Texas | 1 | $ 121,000 | $ 121,000 | $ 77,000 |
| Van Zandt, Texas | 1 | $ 94,000 | $ 94,000 | $ 38,000 |
| Victoria, Texas | 1 | $ 256,000 | $ 256,000 | $ 96,000 |
| Wise, Texas | 1 | $ 204,000 | $ 204,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Guardian Mortgage Company, Inc in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,951 | $364,966,000 | $187,000 | $1,260,000 | $126,000 | $6,760,000 |
| Refinancing | 1,120 | $197,720,000 | $176,000 | $999,000 | $123,000 | $1,927,000 |
| Home Improvement | 18 | $3,117,000 | $173,000 | $375,000 | $137,000 | $233,000 |
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 | 1,977 | $356,124,000 | $180,000 | $1,120,000 | $119,000 | $1,927,000 |
| Not Provided | 542 | $99,706,000 | $183,000 | $1,260,000 | $129,000 | $750,000 |
| Asian | 303 | $64,554,000 | $213,000 | $788,000 | $133,000 | $2,693,000 |
| Hispanic | 168 | $30,035,000 | $178,000 | $428,000 | $149,000 | $6,760,000 |
| Black or African American | 81 | $12,622,000 | $155,000 | $417,000 | $117,000 | $937,000 |
| American Indian or Alaskan Native | 16 | $2,313,000 | $144,000 | $300,000 | $292,000 | $2,428,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $449,000 | $224,000 | $300,000 | $168,000 | $282,000 |
| 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) | 2,795 | $524,598,000 | $187,000 | $1,260,000 | $129,000 | $6,760,000 |
| FHA-insured (Federal Housing Administration) | 197 | $24,375,000 | $123,000 | $293,000 | $89,000 | $2,428,000 |
| VA-guaranteed (Veterans Administration) | 97 | $16,830,000 | $173,000 | $417,000 | $86,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,933 | $355,942,000 | $184,000 | $1,260,000 | $124,000 | $1,471,000 |
| Loan Purchased By The Institution | 473 | $87,913,000 | $185,000 | $417,000 | $111,000 | $900,000 |
| Application Denied By Financial Institution | 324 | $46,547,000 | $143,000 | $800,000 | $133,000 | $6,760,000 |
| Application Withdrawn By Applicant | 285 | $59,399,000 | $208,000 | $800,000 | $144,000 | $2,693,000 |
| File Closed For Incompleteness | 46 | $10,090,000 | $219,000 | $713,000 | $137,000 | $500,000 |
| Application Approved But Not Accepted | 28 | $5,912,000 | $211,000 | $704,000 | $137,000 | $450,000 |
| 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 Mortgage Company, Inc's 2014 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 Mortgage Company, Inc'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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