Guardian Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Guardian Savings Bank 2022 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 Savings Bank 6100 West Chester Rd West Chester, OH 45069 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 4,605 |
| Total Mortgage Loan Application Amount | $987,295,000 |
| Average Mortgage Loan Application Amount | $157,666 |
| Highest Mortgage Loan Application Amount | $5,535,000 |
| Average Applicant Income | $97,833 |
| Highest Applicant Income | $1,998,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Guardian Savings Bank. 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 Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Guardian Savings Bank'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 Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Guardian Savings Bank, 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 Savings Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Ohio | 1,066 | $ 179,830,000 | $ 168,000 | $ 116,000 |
| Kenton County Kentucky | 522 | $ 107,490,000 | $ 205,000 | $ 138,000 |
| Fayette County Kentucky | 462 | $ 105,030,000 | $ 227,000 | $ 123,000 |
| Butler County Ohio | 347 | $ 64,245,000 | $ 185,000 | $ 120,000 |
| Clermont County Ohio | 339 | $ 69,805,000 | $ 205,000 | $ 113,000 |
| Boone County Kentucky | 310 | $ 70,090,000 | $ 226,000 | $ 130,000 |
| Campbell County Kentucky | 264 | $ 47,590,000 | $ 180,000 | $ 115,000 |
| Warren County Ohio | 199 | $ 51,255,000 | $ 257,000 | $ 137,000 |
| Franklin County Ohio | 129 | $ 37,425,000 | $ 290,000 | $ 170,000 |
| Montgomery County Ohio | 85 | $ 16,785,000 | $ 197,000 | $ 88,000 |
| Jessamine County Kentucky | 84 | $ 25,700,000 | $ 305,000 | $ 128,000 |
| Dearborn County Indiana | 60 | $ 12,560,000 | $ 209,000 | $ 129,000 |
| Madison County Kentucky | 58 | $ 12,450,000 | $ 214,000 | $ 117,000 |
| Brown County Ohio | 51 | $ 8,465,000 | $ 165,000 | $ 107,000 |
| Scott County Kentucky | 48 | $ 11,490,000 | $ 239,000 | $ 111,000 |
| Jefferson County Kentucky | 45 | $ 10,545,000 | $ 234,000 | $ 129,000 |
| Delaware County Ohio | 31 | $ 10,245,000 | $ 330,000 | $ 191,000 |
| Hamilton County Indiana | 30 | $ 11,610,000 | $ 387,000 | $ 225,000 |
| Grant County Kentucky | 27 | $ 6,545,000 | $ 242,000 | $ 105,000 |
| Franklin County Kentucky | 25 | $ 5,385,000 | $ 215,000 | $ 97,000 |
| Marion County Indiana | 20 | $ 5,240,000 | $ 262,000 | $ 82,000 |
| Woodford County Kentucky | 17 | $ 3,875,000 | $ 227,000 | $ 99,000 |
| Greene County Ohio | 16 | $ 3,610,000 | $ 225,000 | $ 99,000 |
| Anderson County Kentucky | 14 | $ 3,880,000 | $ 277,000 | $ 120,000 |
| Clark County Kentucky | 14 | $ 3,600,000 | $ 257,000 | $ 123,000 |
| Allegheny County Pennsylvania | 13 | $ 5,785,000 | $ 445,000 | $ 0 |
| Franklin County Indiana | 12 | $ 2,530,000 | $ 210,000 | $ 98,000 |
| Bourbon County Kentucky | 12 | $ 4,080,000 | $ 340,000 | $ 124,000 |
| Pendleton County Kentucky | 12 | $ 2,030,000 | $ 169,000 | $ 81,000 |
| Miami County Ohio | 10 | $ 2,440,000 | $ 244,000 | $ 0 |
| Pulaski County Kentucky | 9 | $ 2,165,000 | $ 240,000 | $ 185,000 |
| Clark County Ohio | 9 | $ 1,085,000 | $ 120,000 | $ 55,000 |
| Harrison County Kentucky | 8 | $ 2,160,000 | $ 270,000 | $ 109,000 |
| Licking County Ohio | 8 | $ 1,500,000 | $ 187,000 | $ 0 |
| Garrard County Kentucky | 7 | $ 1,405,000 | $ 200,000 | $ 137,000 |
| Clinton County Ohio | 7 | $ 1,255,000 | $ 179,000 | $ 124,000 |
| Lee County Florida | 6 | $ 2,570,000 | $ 428,000 | $ 300,000 |
| Allen County Indiana | 6 | $ 1,790,000 | $ 298,000 | $ 323,000 |
| Hendricks County Indiana | 6 | $ 1,660,000 | $ 276,000 | $ 75,000 |
| Madison County Indiana | 6 | $ 840,000 | $ 140,000 | $ 77,000 |
| Boyle County Kentucky | 6 | $ 920,000 | $ 153,000 | $ 86,000 |
| Russell County Kentucky | 6 | $ 1,110,000 | $ 185,000 | $ 196,000 |
| Orange County California | 5 | $ 5,655,000 | $ 1,131,000 | $ 0 |
| Mercer County Kentucky | 5 | $ 825,000 | $ 165,000 | $ 140,000 |
| Oldham County Kentucky | 5 | $ 2,025,000 | $ 405,000 | $ 231,000 |
| Highland County Ohio | 5 | $ 845,000 | $ 169,000 | $ 229,000 |
| Preble County Ohio | 5 | $ 815,000 | $ 163,000 | $ 0 |
| Union County Ohio | 5 | $ 2,085,000 | $ 417,000 | $ 102,000 |
| Broward County Florida | 4 | $ 1,150,000 | $ 287,000 | $ 0 |
| Ripley County Indiana | 4 | $ 1,250,000 | $ 312,000 | $ 102,000 |
| Gallatin County Kentucky | 4 | $ 830,000 | $ 207,000 | $ 139,000 |
| Lincoln County Kentucky | 4 | $ 1,040,000 | $ 260,000 | $ 60,000 |
| Fairfield County Ohio | 4 | $ 650,000 | $ 162,000 | $ 0 |
| Pinellas County Florida | 3 | $ 1,015,000 | $ 338,000 | $ 145,000 |
| Bartholomew County Indiana | 3 | $ 745,000 | $ 248,000 | $ 0 |
| Boone County Indiana | 3 | $ 1,315,000 | $ 438,000 | $ 0 |
| Floyd County Indiana | 3 | $ 785,000 | $ 261,000 | $ 45,000 |
| Johnson County Indiana | 3 | $ 1,075,000 | $ 358,000 | $ 0 |
| Monroe County Indiana | 3 | $ 1,195,000 | $ 398,000 | $ 124,000 |
| Ohio County Indiana | 3 | $ 475,000 | $ 158,000 | $ 81,000 |
| Laurel County Kentucky | 3 | $ 1,175,000 | $ 391,000 | $ 215,000 |
| Montgomery County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 72,000 |
| Owen County Kentucky | 3 | $ 585,000 | $ 195,000 | $ 92,000 |
| Spencer County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 54,000 |
| Cuyahoga County Ohio | 3 | $ 555,000 | $ 185,000 | $ 63,000 |
| Campbell County Tennessee | 3 | $ 1,815,000 | $ 605,000 | $ 849,000 |
| Los Angeles County California | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Bay County Florida | 2 | $ 540,000 | $ 270,000 | $ 190,000 |
| Brevard County Florida | 2 | $ 870,000 | $ 435,000 | $ 553,000 |
| Collier County Florida | 2 | $ 820,000 | $ 410,000 | $ 152,000 |
| Okaloosa County Florida | 2 | $ 420,000 | $ 210,000 | $ 127,000 |
| Walton County Florida | 2 | $ 2,600,000 | $ 1,300,000 | $ 0 |
| Hancock County Indiana | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Bracken County Kentucky | 2 | $ 350,000 | $ 175,000 | $ 99,000 |
| Bullitt County Kentucky | 2 | $ 240,000 | $ 120,000 | $ 68,000 |
| Hardin County Kentucky | 2 | $ 350,000 | $ 175,000 | $ 38,000 |
| Menifee County Kentucky | 2 | $ 280,000 | $ 140,000 | $ 190,000 |
| Shelby County Kentucky | 2 | $ 350,000 | $ 175,000 | $ 72,000 |
| Wayne County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Adams County Ohio | 2 | $ 240,000 | $ 120,000 | $ 105,000 |
| Fayette County Ohio | 2 | $ 330,000 | $ 165,000 | $ 28,000 |
| Huron County Ohio | 2 | $ 650,000 | $ 325,000 | $ 269,000 |
| Knox County Ohio | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Lake County Ohio | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Perry County Ohio | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Summit County Ohio | 2 | $ 670,000 | $ 335,000 | $ 130,000 |
| Butler County Pennsylvania | 2 | $ 1,040,000 | $ 520,000 | $ 144,000 |
| Davidson County Tennessee | 2 | $ 750,000 | $ 375,000 | $ 965,000 |
| Jefferson County Tennessee | 2 | $ 570,000 | $ 285,000 | $ 440,000 |
| Sevier County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Mobile County Alabama | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Tuscaloosa County Alabama | 1 | $ 105,000 | $ 105,000 | $ 1,051,000 |
| Pima County Arizona | 1 | $ 465,000 | $ 465,000 | $ 196,000 |
| Charlotte County Florida | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Hillsborough County Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Lake County Florida | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Orange County Florida | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Osceola County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| St. Johns County Florida | 1 | $ 245,000 | $ 245,000 | $ 212,000 |
| Fulton County Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Lake County Illinois | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Brown County Indiana | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Decatur County Indiana | 1 | $ 405,000 | $ 405,000 | $ 591,000 |
| Delaware County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| LaGrange County Indiana | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Morgan County Indiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Noble County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Owen County Indiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wayne County Indiana | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| Wells County Indiana | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Bath County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Estill County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Knox County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Mason County Kentucky | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Nicholas County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 103,000 |
| Powell County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Rowan County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Warren County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Suffolk County Massachusetts | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Mason County Michigan | 1 | $ 205,000 | $ 205,000 | $ 169,000 |
| Washtenaw County Michigan | 1 | $ 515,000 | $ 515,000 | $ 184,000 |
| Morris County New Jersey | 1 | $ 605,000 | $ 605,000 | $ 378,000 |
| Johnston County North Carolina | 1 | $ 645,000 | $ 645,000 | $ 218,000 |
| Mecklenburg County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| New Hanover County North Carolina | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Ashland County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Athens County Ohio | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| Belmont County Ohio | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Champaign County Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hancock County Ohio | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Hocking County Ohio | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Lorain County Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Madison County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marion County Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Medina County Ohio | 1 | $ 195,000 | $ 195,000 | $ 173,000 |
| Mercer County Ohio | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Richland County Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Shelby County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Wagoner County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Beaver County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Horry County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| McCormick County South Carolina | 1 | $ 545,000 | $ 545,000 | $ 178,000 |
| Richland County South Carolina | 1 | $ 5,535,000 | $ 5,535,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 645,000 | $ 645,000 | $ 136,000 |
| Williamson County Tennessee | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Brazoria County Texas | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Travis County Texas | 1 | $ 1,865,000 | $ 1,865,000 | $ 0 |
| Ohio County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank in 2022
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 | 1,939 | $561,535,000 | $289,000 | $2,685,000 | $144,000 | $1,465,000 |
| Cash-out Refinancing | 1,096 | $210,500,000 | $192,000 | $2,285,000 | $108,000 | $1,157,000 |
| Refinancing | 718 | $135,500,000 | $188,000 | $1,005,000 | $113,000 | $850,000 |
| Other Purpose | 396 | $39,230,000 | $99,000 | $2,215,000 | $124,000 | $1,998,000 |
| Home Improvement | 246 | $20,530,000 | $83,000 | $5,535,000 | $98,000 | $659,000 |
| Not Applicable | 210 | $20,000,000 | $95,000 | $2,425,000 | $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 | 2,933 | $615,025,000 | $209,000 | $1,685,000 | $126,000 | $1,998,000 |
| Not applicable | 780 | $205,550,000 | $263,000 | $5,535,000 | $0 | $0 |
| Not Provided | 547 | $108,015,000 | $197,000 | $1,245,000 | $117,000 | $677,000 |
| Black or African American | 197 | $21,655,000 | $109,000 | $1,505,000 | $80,000 | $534,000 |
| Asian | 70 | $17,660,000 | $252,000 | $775,000 | $131,000 | $478,000 |
| Hispanic | 46 | $8,420,000 | $183,000 | $525,000 | $156,000 | $1,114,000 |
| American Indian or Alaskan Native | 5 | $2,235,000 | $447,000 | $875,000 | $149,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $855,000 | $285,000 | $365,000 | $85,000 | $115,000 |
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) | 4,428 | $949,520,000 | $214,000 | $5,535,000 | $126,000 | $1,998,000 |
| FHA-insured (Federal Housing Administration) | 135 | $26,795,000 | $198,000 | $635,000 | $77,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 26 | $7,520,000 | $289,000 | $605,000 | $97,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $3,460,000 | $216,000 | $325,000 | $65,000 | $96,000 |
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 | 2,921 | $610,075,000 | $208,000 | $5,535,000 | $125,000 | $1,998,000 |
| Loan Purchased By The Institution | 723 | $177,905,000 | $246,000 | $2,425,000 | $0 | $0 |
| Application Denied By Financial Institution | 524 | $102,500,000 | $195,000 | $1,555,000 | $111,000 | $1,120,000 |
| Application Withdrawn By Applicant | 335 | $80,205,000 | $239,000 | $1,125,000 | $136,000 | $1,120,000 |
| Application Approved But Not Accepted | 102 | $16,610,000 | $162,000 | $625,000 | $109,000 | $677,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,081 | $884,795,000 | $216,000 | $5,535,000 | $126,000 | $1,998,000 |
| Debt-To-Income Ratio | 188 | $38,820,000 | $206,000 | $1,335,000 | $78,000 | $398,000 |
| Credit Application Incomplete | 139 | $27,065,000 | $194,000 | $855,000 | $113,000 | $448,000 |
| Credit History | 93 | $14,975,000 | $161,000 | $1,345,000 | $88,000 | $399,000 |
| Other | 44 | $8,940,000 | $203,000 | $925,000 | $166,000 | $1,120,000 |
| Collateral | 44 | $9,010,000 | $204,000 | $1,495,000 | $240,000 | $1,120,000 |
| Unverifiable Information | 7 | $905,000 | $129,000 | $205,000 | $101,000 | $150,000 |
| Employment History | 5 | $685,000 | $137,000 | $325,000 | $66,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,100,000 | $525,000 | $1,555,000 | $152,000 | $368,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank's 2022 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 Savings Bank'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.