Guardian Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Guardian Savings Bank 2023 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 | 2,304 |
| Total Mortgage Loan Application Amount | $542,420,000 |
| Average Mortgage Loan Application Amount | $175,166 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $105,500 |
| Highest Applicant Income | $3,510,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 440 | $ 85,190,000 | $ 193,000 | $ 136,000 |
| Kenton County Kentucky | 286 | $ 62,730,000 | $ 219,000 | $ 133,000 |
| Fayette County Kentucky | 261 | $ 73,355,000 | $ 281,000 | $ 144,000 |
| Boone County Kentucky | 179 | $ 42,445,000 | $ 237,000 | $ 136,000 |
| Clermont County Ohio | 168 | $ 35,520,000 | $ 211,000 | $ 134,000 |
| Butler County Ohio | 160 | $ 35,710,000 | $ 223,000 | $ 142,000 |
| Campbell County Kentucky | 148 | $ 28,980,000 | $ 195,000 | $ 131,000 |
| Warren County Ohio | 98 | $ 26,080,000 | $ 266,000 | $ 147,000 |
| Jessamine County Kentucky | 57 | $ 23,245,000 | $ 407,000 | $ 172,000 |
| Madison County Kentucky | 41 | $ 10,765,000 | $ 262,000 | $ 129,000 |
| Scott County Kentucky | 37 | $ 12,305,000 | $ 332,000 | $ 154,000 |
| Montgomery County Ohio | 34 | $ 6,360,000 | $ 187,000 | $ 102,000 |
| Dearborn County Indiana | 27 | $ 5,925,000 | $ 219,000 | $ 109,000 |
| Franklin County Ohio | 27 | $ 6,585,000 | $ 243,000 | $ 220,000 |
| Jefferson County Kentucky | 23 | $ 6,595,000 | $ 286,000 | $ 115,000 |
| Grant County Kentucky | 20 | $ 5,870,000 | $ 293,000 | $ 176,000 |
| Woodford County Kentucky | 20 | $ 6,300,000 | $ 315,000 | $ 117,000 |
| Brown County Ohio | 18 | $ 3,610,000 | $ 200,000 | $ 103,000 |
| Clark County Kentucky | 14 | $ 3,520,000 | $ 251,000 | $ 124,000 |
| Anderson County Kentucky | 13 | $ 3,475,000 | $ 267,000 | $ 107,000 |
| Franklin County Kentucky | 13 | $ 3,675,000 | $ 282,000 | $ 126,000 |
| Pendleton County Kentucky | 10 | $ 2,850,000 | $ 285,000 | $ 134,000 |
| Hancock County Indiana | 8 | $ 2,210,000 | $ 276,000 | $ 159,000 |
| Marion County Indiana | 8 | $ 1,440,000 | $ 180,000 | $ 159,000 |
| Lucas County Ohio | 8 | $ 480,000 | $ 60,000 | $ 298,000 |
| Gallatin County Kentucky | 7 | $ 785,000 | $ 112,000 | $ 87,000 |
| Delaware County Ohio | 7 | $ 1,465,000 | $ 209,000 | $ 165,000 |
| Greene County Ohio | 7 | $ 1,245,000 | $ 177,000 | $ 144,000 |
| Miami County Ohio | 7 | $ 905,000 | $ 129,000 | $ 109,000 |
| Garrard County Kentucky | 6 | $ 1,470,000 | $ 245,000 | $ 115,000 |
| Mercer County Kentucky | 6 | $ 970,000 | $ 161,000 | $ 92,000 |
| Shelby County Kentucky | 6 | $ 1,410,000 | $ 235,000 | $ 123,000 |
| Franklin County Indiana | 5 | $ 1,855,000 | $ 371,000 | $ 149,000 |
| Allen County Indiana | 4 | $ 1,250,000 | $ 312,000 | $ 260,000 |
| Bartholomew County Indiana | 4 | $ 1,320,000 | $ 330,000 | $ 206,000 |
| Scott County Indiana | 4 | $ 1,280,000 | $ 320,000 | $ 318,000 |
| Montgomery County Kentucky | 4 | $ 800,000 | $ 200,000 | $ 109,000 |
| Russell County Kentucky | 4 | $ 1,350,000 | $ 337,000 | $ 329,000 |
| Clinton County Ohio | 4 | $ 620,000 | $ 155,000 | $ 70,000 |
| Sarasota County Florida | 3 | $ 945,000 | $ 315,000 | $ 105,000 |
| Madison County Indiana | 3 | $ 795,000 | $ 265,000 | $ 173,000 |
| Bourbon County Kentucky | 3 | $ 775,000 | $ 258,000 | $ 103,000 |
| Boyle County Kentucky | 3 | $ 1,035,000 | $ 345,000 | $ 124,000 |
| Graves County Kentucky | 3 | $ 185,000 | $ 61,000 | $ 29,000 |
| Harrison County Kentucky | 3 | $ 915,000 | $ 305,000 | $ 120,000 |
| Oldham County Kentucky | 3 | $ 1,255,000 | $ 418,000 | $ 195,000 |
| Owen County Kentucky | 3 | $ 235,000 | $ 78,000 | $ 148,000 |
| Pulaski County Kentucky | 3 | $ 495,000 | $ 165,000 | $ 161,000 |
| Allen County Ohio | 3 | $ 135,000 | $ 45,000 | $ 324,000 |
| Fairfield County Ohio | 3 | $ 1,005,000 | $ 335,000 | $ 0 |
| Collier County Florida | 2 | $ 1,220,000 | $ 610,000 | $ 418,000 |
| Pinellas County Florida | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Santa Rosa County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 257,000 |
| St. Johns County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Walton County Florida | 2 | $ 520,000 | $ 260,000 | $ 378,000 |
| Hamilton County Indiana | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Lincoln County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 56,000 |
| McCracken County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 180,000 |
| Henry County Ohio | 2 | $ 970,000 | $ 485,000 | $ 152,000 |
| Pickaway County Ohio | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Brown County Wisconsin | 2 | $ 750,000 | $ 375,000 | $ 232,000 |
| Lee County Alabama | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Chaffee County Colorado | 1 | $ 205,000 | $ 205,000 | $ 266,000 |
| Hillsborough County Florida | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Indian River County Florida | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Osceola County Florida | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Cherokee County Georgia | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Fulton County Georgia | 1 | $ 385,000 | $ 385,000 | $ 127,000 |
| Cook County Illinois | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Clark County Indiana | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| DeKalb County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Jefferson County Indiana | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Johnson County Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ohio County Indiana | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tippecanoe County Indiana | 1 | $ 195,000 | $ 195,000 | $ 249,000 |
| Wells County Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bath County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Fleming County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Grayson County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 222,000 |
| Laurel County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 889,000 |
| Lewis County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Logan County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 283,000 |
| Marshall County Kentucky | 1 | $ 455,000 | $ 455,000 | $ 139,000 |
| Mason County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Meade County Kentucky | 1 | $ 295,000 | $ 295,000 | $ 195,000 |
| Menifee County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 183,000 |
| Nelson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Robertson County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Rowan County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Warren County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 258,000 |
| Branch County Michigan | 1 | $ 785,000 | $ 785,000 | $ 260,000 |
| Sanilac County Michigan | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Adams County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Champaign County Ohio | 1 | $ 445,000 | $ 445,000 | $ 270,000 |
| Clark County Ohio | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Darke County Ohio | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Fayette County Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Highland County Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Knox County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Madison County Ohio | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Pike County Ohio | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| Scioto County Ohio | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Summit County Ohio | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Union County Ohio | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Washington County Ohio | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 1,505,000 | $ 1,505,000 | $ 3,510,000 |
| Horry County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Blount County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 345,000 |
| Davidson County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 349,000 |
| Jefferson County Tennessee | 1 | $ 525,000 | $ 525,000 | $ 255,000 |
| Sevier County Tennessee | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Union County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 264,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank in 2023
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 | 1,351 | $409,045,000 | $302,000 | $3,205,000 | $157,000 | $3,510,000 |
| Other Purpose | 318 | $31,440,000 | $98,000 | $1,655,000 | $125,000 | $753,000 |
| Cash-out Refinancing | 316 | $62,220,000 | $196,000 | $1,115,000 | $128,000 | $800,000 |
| Home Improvement | 198 | $12,320,000 | $62,000 | $645,000 | $94,000 | $663,000 |
| Refinancing | 110 | $25,620,000 | $232,000 | $695,000 | $129,000 | $558,000 |
| Not Applicable | 11 | $1,775,000 | $161,000 | $615,000 | $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 | 1,620 | $388,950,000 | $240,000 | $3,205,000 | $143,000 | $3,510,000 |
| Not Provided | 311 | $72,315,000 | $232,000 | $1,085,000 | $146,000 | $800,000 |
| Not applicable | 194 | $44,050,000 | $227,000 | $1,005,000 | $0 | $0 |
| Black or African American | 90 | $10,240,000 | $113,000 | $815,000 | $87,000 | $312,000 |
| Asian | 59 | $19,075,000 | $323,000 | $2,005,000 | $165,000 | $748,000 |
| Hispanic | 25 | $6,075,000 | $243,000 | $695,000 | $134,000 | $326,000 |
| American Indian or Alaskan Native | 2 | $480,000 | $240,000 | $355,000 | $82,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,155 | $507,665,000 | $235,000 | $3,205,000 | $146,000 | $3,510,000 |
| FHA-insured (Federal Housing Administration) | 119 | $26,025,000 | $218,000 | $485,000 | $81,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 20 | $7,130,000 | $356,000 | $555,000 | $121,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,600,000 | $160,000 | $225,000 | $64,000 | $89,000 |
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 | 1,615 | $379,245,000 | $234,000 | $2,005,000 | $145,000 | $3,510,000 |
| Application Denied By Financial Institution | 283 | $64,455,000 | $227,000 | $3,205,000 | $123,000 | $733,000 |
| Application Withdrawn By Applicant | 204 | $57,640,000 | $282,000 | $1,305,000 | $137,000 | $650,000 |
| Loan Purchased By The Institution | 140 | $29,100,000 | $207,000 | $825,000 | $0 | $0 |
| Application Approved But Not Accepted | 62 | $11,980,000 | $193,000 | $1,085,000 | $162,000 | $1,334,000 |
| 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 | 2,021 | $477,965,000 | $236,000 | $2,005,000 | $144,000 | $3,510,000 |
| Debt-To-Income Ratio | 110 | $24,270,000 | $220,000 | $3,205,000 | $103,000 | $458,000 |
| Credit Application Incomplete | 66 | $16,530,000 | $250,000 | $805,000 | $127,000 | $479,000 |
| Credit History | 53 | $10,355,000 | $195,000 | $1,205,000 | $117,000 | $577,000 |
| Collateral | 30 | $7,490,000 | $249,000 | $1,115,000 | $161,000 | $733,000 |
| Other | 21 | $4,995,000 | $237,000 | $805,000 | $175,000 | $391,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $111,000 | $111,000 |
| Employment History | 1 | $455,000 | $455,000 | $455,000 | $66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank's 2023 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.
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