Guardian Mortgage Company, Inc Mortgage Lending & HMDA Data, 2016
In 2016, Guardian Mortgage Company, Inc of Richardson, TX reported 4,913 mortgage applications totaling $1.1 billion, down 4% from 2015. The average application was for $218,211, and applicants reported an average income of $120,174. 60% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,791), Fort Worth-Arlington, TX (471) and Flint, MI (468) (applications in parentheses).
| Mortgage Company & Address | Guardian Mortgage Company, Inc 100 N. Central Expressway Suite 150 Richardson, TX 75083 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 |
| Total Number of Mortgage Applications | 4,913 |
| Total Mortgage Loan Application Amount | $1,072,075,000 |
| Average Mortgage Loan Application Amount | $218,211 |
| Highest Mortgage Loan Application Amount | $3,217,000 |
| Average Applicant Income | $120,174 |
| Highest Applicant Income | $4,229,000 |
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records Guardian Mortgage Company, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 1,791 | $ 459,820,000 | $ 256,739 | $ 136,000 |
| Fort Worth-Arlington, TX | 471 | $ 89,637,000 | $ 190,312 | $ 137,000 |
| Flint, MI | 468 | $ 64,692,000 | $ 138,230 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 298 | $ 59,253,000 | $ 198,835 | $ 105,000 |
| San Antonio-New Braunfels, TX | 111 | $ 18,115,000 | $ 163,198 | $ 78,000 |
| Houston-The Woodlands-Sugar Land, TX | 102 | $ 20,073,000 | $ 196,794 | $ 115,000 |
| Santa Fe, NM | 99 | $ 36,124,000 | $ 364,888 | $ 176,000 |
| Phoenix-Mesa-Scottsdale, AZ | 96 | $ 25,565,000 | $ 266,302 | $ 124,000 |
| Austin-Round Rock, TX | 94 | $ 27,794,000 | $ 295,680 | $ 160,000 |
| El Paso, TX | 87 | $ 14,891,000 | $ 171,160 | $ 122,000 |
| Oklahoma City, OK | 66 | $ 14,274,000 | $ 216,272 | $ 126,000 |
| Albuquerque, NM | 47 | $ 15,656,000 | $ 333,106 | $ 151,000 |
| Detroit-Dearborn-Livonia, MI | 41 | $ 6,588,000 | $ 160,682 | $ 99,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 3,441,000 | $ 202,411 | $ 117,000 |
| Lansing-East Lansing, MI | 17 | $ 2,593,000 | $ 152,529 | $ 79,000 |
| San Angelo, TX | 15 | $ 2,670,000 | $ 178,000 | $ 90,000 |
| Sherman-Denison, TX | 14 | $ 2,828,000 | $ 202,000 | $ 117,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 2,653,000 | $ 204,076 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 2,230,000 | $ 171,538 | $ 105,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 2,309,000 | $ 209,909 | $ 120,000 |
| Killeen-Temple, TX | 10 | $ 1,752,000 | $ 175,200 | $ 88,000 |
| Las Cruces, NM | 10 | $ 1,990,000 | $ 199,000 | $ 81,000 |
| Tyler, TX | 10 | $ 1,459,000 | $ 145,900 | $ 81,000 |
| Saginaw, MI | 9 | $ 1,248,000 | $ 138,666 | $ 68,000 |
| Ann Arbor, MI | 8 | $ 1,540,000 | $ 192,500 | $ 141,000 |
| Corpus Christi, TX | 8 | $ 1,452,000 | $ 181,500 | $ 107,000 |
| Jacksonville, FL | 8 | $ 1,532,000 | $ 191,500 | $ 69,000 |
| Abilene, TX | 7 | $ 1,071,000 | $ 153,000 | $ 177,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,414,000 | $ 235,666 | $ 127,000 |
| Lakeland-Winter Haven, FL | 6 | $ 951,000 | $ 158,500 | $ 50,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 584,000 | $ 97,333 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,344,000 | $ 224,000 | $ 93,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,170,000 | $ 195,000 | $ 104,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 866,000 | $ 173,200 | $ 76,000 |
| Brownsville-Harlingen, TX | 5 | $ 713,000 | $ 142,600 | $ 79,000 |
| College Station-Bryan, TX | 5 | $ 766,000 | $ 153,200 | $ 98,000 |
| Columbia, MO | 5 | $ 579,000 | $ 115,800 | $ 253,000 |
| Kalamazoo-Portage, MI | 5 | $ 941,000 | $ 188,200 | $ 79,000 |
| Lubbock, TX | 5 | $ 614,000 | $ 122,800 | $ 92,000 |
| Port St. Lucie, FL | 5 | $ 803,000 | $ 160,600 | $ 50,000 |
| Waco, TX | 5 | $ 635,000 | $ 127,000 | $ 54,000 |
| Wichita Falls, TX | 5 | $ 885,000 | $ 177,000 | $ 100,000 |
| Beaumont-Port Arthur, TX | 4 | $ 771,000 | $ 192,750 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 715,000 | $ 178,750 | $ 74,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,830,000 | $ 457,500 | $ 313,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 799,000 | $ 199,750 | $ 51,000 |
| Punta Gorda, FL | 4 | $ 823,000 | $ 205,750 | $ 69,000 |
| Tulsa, OK | 4 | $ 833,000 | $ 208,250 | $ 97,000 |
| Bay City, MI | 3 | $ 353,000 | $ 117,666 | $ 52,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,181,000 | $ 393,666 | $ 348,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 408,000 | $ 136,000 | $ 47,000 |
| Fort Smith, AR-OK | 3 | $ 385,000 | $ 128,333 | $ 61,000 |
| Longview, TX | 3 | $ 621,000 | $ 207,000 | $ 70,000 |
| Prescott, AZ | 3 | $ 713,000 | $ 237,666 | $ 79,000 |
| Yuma, AZ | 3 | $ 407,000 | $ 135,666 | $ 78,000 |
| Flagstaff, AZ | 2 | $ 357,000 | $ 178,500 | $ 61,000 |
| Jackson, MI | 2 | $ 200,000 | $ 100,000 | $ 167,000 |
| Midland, TX | 2 | $ 412,000 | $ 206,000 | $ 100,000 |
| Monroe, MI | 2 | $ 272,000 | $ 136,000 | $ 64,000 |
| Sebastian-Vero Beach, FL | 2 | $ 202,000 | $ 101,000 | $ 39,000 |
| Tallahassee, FL | 2 | $ 407,000 | $ 203,500 | $ 81,000 |
| Tucson, AZ | 2 | $ 351,000 | $ 175,500 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 538,000 | $ 269,000 | $ 56,000 |
| Amarillo, TX | 1 | $ 177,000 | $ 177,000 | $ 70,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 256,000 | $ 256,000 | $ 72,000 |
| Battle Creek, MI | 1 | $ 124,000 | $ 124,000 | $ 115,000 |
| Birmingham-Hoover, AL | 1 | $ 146,000 | $ 146,000 | $ 76,000 |
| Boulder, CO | 1 | $ 2,250,000 | $ 2,250,000 | $ 657,000 |
| Chattanooga, TN-GA | 1 | $ 144,000 | $ 144,000 | $ 153,000 |
| Columbus, GA-AL | 1 | $ 136,000 | $ 136,000 | $ 76,000 |
| Decatur, AL | 1 | $ 110,000 | $ 110,000 | $ 89,000 |
| Hinesville, GA | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Homosassa Springs, FL | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Hot Springs, AR | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Jonesboro, AR | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Kansas City, MO-KS | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Laredo, TX | 1 | $ 152,000 | $ 152,000 | $ 2,000 |
| Lawton, OK | 1 | $ 320,000 | $ 320,000 | $ 102,000 |
| Midland, MI | 1 | $ 139,000 | $ 139,000 | $ 163,000 |
| Mobile, AL | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Muskegon, MI | 1 | $ 66,000 | $ 66,000 | $ 177,000 |
| Ocala, FL | 1 | $ 190,000 | $ 190,000 | $ 108,000 |
| Odessa, TX | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Panama City, FL | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| St. Louis, MO-IL | 1 | $ 417,000 | $ 417,000 | $ 258,000 |
| Topeka, KS | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Warner Robins, GA | 1 | $ 152,000 | $ 152,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Guardian Mortgage Company, Inc in 2016
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 | 2,822 | $614,956,000 | $217,000 | $3,217,000 | $117,000 | $4,229,000 |
| Refinancing | 1,978 | $436,832,000 | $220,000 | $2,000,000 | $125,000 | $1,239,000 |
| Home Improvement | 113 | $20,287,000 | $179,000 | $840,000 | $115,000 | $306,000 |
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 | 2,546 | $547,596,000 | $215,000 | $3,217,000 | $122,000 | $4,229,000 |
| Asian | 984 | $258,922,000 | $263,000 | $1,760,000 | $136,000 | $2,064,000 |
| Not Provided | 602 | $128,131,000 | $212,000 | $2,000,000 | $127,000 | $1,920,000 |
| Hispanic | 391 | $62,759,000 | $160,000 | $610,000 | $90,000 | $959,000 |
| Black or African American | 267 | $48,900,000 | $183,000 | $668,000 | $78,000 | $693,000 |
| Not applicable | 91 | $18,215,000 | $200,000 | $417,000 | $108,000 | $291,000 |
| American Indian or Alaskan Native | 23 | $5,051,000 | $219,000 | $609,000 | $87,000 | $175,000 |
| Native Hawaiin or Other Pacific Islander | 9 | $2,501,000 | $277,000 | $548,000 | $104,000 | $154,000 |
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) | 3,836 | $882,292,000 | $230,000 | $3,217,000 | $134,000 | $4,229,000 |
| VA-guaranteed (Veterans Administration) | 669 | $126,863,000 | $189,000 | $671,000 | $72,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 406 | $62,657,000 | $154,000 | $341,000 | $73,000 | $960,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $263,000 | $131,000 | $141,000 | $58,000 | $66,000 |
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 | 2,940 | $646,264,000 | $219,000 | $3,217,000 | $122,000 | $4,229,000 |
| Application Withdrawn By Applicant | 837 | $192,333,000 | $229,000 | $2,000,000 | $133,000 | $2,160,000 |
| Application Denied By Financial Institution | 637 | $124,049,000 | $194,000 | $2,000,000 | $87,000 | $960,000 |
| File Closed For Incompleteness | 392 | $87,974,000 | $224,000 | $1,760,000 | $131,000 | $2,064,000 |
| Loan Purchased By The Institution | 91 | $18,215,000 | $200,000 | $417,000 | $108,000 | $291,000 |
| Application Approved But Not Accepted | 16 | $3,240,000 | $202,000 | $377,000 | $138,000 | $390,000 |
| 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 2016 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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