Guardian Savings Bank Mortgage Lending & HMDA Data, 2023
In 2023, Guardian Savings Bank of West Chester, OH reported 2,304 mortgage applications totaling $542.4 million, down 50% from 2022. The average application was for $235,425, and applicants reported an average income of $141,782. 70% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Cincinnati, OH-KY-IN (1,567), Lexington-Fayette, KY (392) and Dayton-Springfield-Kettering, OH (48) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 2,304 |
| Total Mortgage Loan Application Amount | $542,420,000 |
| Average Mortgage Loan Application Amount | $235,425 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $141,782 |
| Highest Applicant Income | $3,510,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guardian Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hamilton, Ohio | 440 | $ 85,190,000 | $ 193,613 | $ 136,000 |
| Kenton, Kentucky | 286 | $ 62,730,000 | $ 219,335 | $ 133,000 |
| Fayette, Kentucky | 261 | $ 73,355,000 | $ 281,053 | $ 144,000 |
| Boone, Kentucky | 179 | $ 42,445,000 | $ 237,122 | $ 136,000 |
| Clermont, Ohio | 168 | $ 35,520,000 | $ 211,428 | $ 134,000 |
| Butler, Ohio | 160 | $ 35,710,000 | $ 223,187 | $ 142,000 |
| Campbell, Kentucky | 148 | $ 28,980,000 | $ 195,810 | $ 131,000 |
| Warren, Ohio | 98 | $ 26,080,000 | $ 266,122 | $ 147,000 |
| Jessamine, Kentucky | 57 | $ 23,245,000 | $ 407,807 | $ 172,000 |
| Madison, Kentucky | 41 | $ 10,765,000 | $ 262,560 | $ 129,000 |
| Scott, Kentucky | 37 | $ 12,305,000 | $ 332,567 | $ 154,000 |
| Montgomery, Ohio | 34 | $ 6,360,000 | $ 187,058 | $ 102,000 |
| Dearborn, Indiana | 27 | $ 5,925,000 | $ 219,444 | $ 109,000 |
| Franklin, Ohio | 27 | $ 6,585,000 | $ 243,888 | $ 220,000 |
| Jefferson, Kentucky | 23 | $ 6,595,000 | $ 286,739 | $ 115,000 |
| Grant, Kentucky | 20 | $ 5,870,000 | $ 293,500 | $ 176,000 |
| Woodford, Kentucky | 20 | $ 6,300,000 | $ 315,000 | $ 117,000 |
| Brown, Ohio | 18 | $ 3,610,000 | $ 200,555 | $ 103,000 |
| Clark, Kentucky | 14 | $ 3,520,000 | $ 251,428 | $ 124,000 |
| Anderson, Kentucky | 13 | $ 3,475,000 | $ 267,307 | $ 107,000 |
| Franklin, Kentucky | 13 | $ 3,675,000 | $ 282,692 | $ 126,000 |
| Pendleton, Kentucky | 10 | $ 2,850,000 | $ 285,000 | $ 134,000 |
| Hancock, Indiana | 8 | $ 2,210,000 | $ 276,250 | $ 159,000 |
| Marion, Indiana | 8 | $ 1,440,000 | $ 180,000 | $ 159,000 |
| Lucas, Ohio | 8 | $ 480,000 | $ 60,000 | $ 298,000 |
| Gallatin, Kentucky | 7 | $ 785,000 | $ 112,142 | $ 87,000 |
| Delaware, Ohio | 7 | $ 1,465,000 | $ 209,285 | $ 165,000 |
| Greene, Ohio | 7 | $ 1,245,000 | $ 177,857 | $ 144,000 |
| Miami, Ohio | 7 | $ 905,000 | $ 129,285 | $ 109,000 |
| Garrard, Kentucky | 6 | $ 1,470,000 | $ 245,000 | $ 115,000 |
| Mercer, Kentucky | 6 | $ 970,000 | $ 161,666 | $ 92,000 |
| Shelby, Kentucky | 6 | $ 1,410,000 | $ 235,000 | $ 123,000 |
| Franklin, Indiana | 5 | $ 1,855,000 | $ 371,000 | $ 149,000 |
| Allen, Indiana | 4 | $ 1,250,000 | $ 312,500 | $ 260,000 |
| Bartholomew, Indiana | 4 | $ 1,320,000 | $ 330,000 | $ 206,000 |
| Scott, Indiana | 4 | $ 1,280,000 | $ 320,000 | $ 318,000 |
| Montgomery, Kentucky | 4 | $ 800,000 | $ 200,000 | $ 109,000 |
| Russell, Kentucky | 4 | $ 1,350,000 | $ 337,500 | $ 329,000 |
| Clinton, Ohio | 4 | $ 620,000 | $ 155,000 | $ 70,000 |
| Sarasota, Florida | 3 | $ 945,000 | $ 315,000 | $ 105,000 |
| Madison, Indiana | 3 | $ 795,000 | $ 265,000 | $ 173,000 |
| Bourbon, Kentucky | 3 | $ 775,000 | $ 258,333 | $ 103,000 |
| Boyle, Kentucky | 3 | $ 1,035,000 | $ 345,000 | $ 124,000 |
| Graves, Kentucky | 3 | $ 185,000 | $ 61,666 | $ 29,000 |
| Harrison, Kentucky | 3 | $ 915,000 | $ 305,000 | $ 120,000 |
| Oldham, Kentucky | 3 | $ 1,255,000 | $ 418,333 | $ 195,000 |
| Owen, Kentucky | 3 | $ 235,000 | $ 78,333 | $ 148,000 |
| Pulaski, Kentucky | 3 | $ 495,000 | $ 165,000 | $ 161,000 |
| Allen, Ohio | 3 | $ 135,000 | $ 45,000 | $ 324,000 |
| Fairfield, Ohio | 3 | $ 1,005,000 | $ 335,000 | $ 0 |
| Collier, Florida | 2 | $ 1,220,000 | $ 610,000 | $ 418,000 |
| Pinellas, Florida | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Santa Rosa, Florida | 2 | $ 1,010,000 | $ 505,000 | $ 257,000 |
| St. Johns, Florida | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Walton, Florida | 2 | $ 520,000 | $ 260,000 | $ 378,000 |
| Hamilton, Indiana | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Lincoln, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 56,000 |
| McCracken, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 180,000 |
| Henry, Ohio | 2 | $ 970,000 | $ 485,000 | $ 152,000 |
| Pickaway, Ohio | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Allegheny, Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Brown, Wisconsin | 2 | $ 750,000 | $ 375,000 | $ 232,000 |
| Lee, Alabama | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Chaffee, Colorado | 1 | $ 205,000 | $ 205,000 | $ 266,000 |
| Hillsborough, Florida | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Indian River, Florida | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Osceola, Florida | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Cherokee, Georgia | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Fulton, Georgia | 1 | $ 385,000 | $ 385,000 | $ 127,000 |
| Cook, Illinois | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Clark, Indiana | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| DeKalb, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Johnson, Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ohio, Indiana | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tippecanoe, Indiana | 1 | $ 195,000 | $ 195,000 | $ 249,000 |
| Wells, Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bath, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Fleming, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Grayson, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 222,000 |
| Laurel, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 889,000 |
| Lewis, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Logan, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 283,000 |
| Marshall, Kentucky | 1 | $ 455,000 | $ 455,000 | $ 139,000 |
| Mason, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Meade, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 195,000 |
| Menifee, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 183,000 |
| Nelson, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Robertson, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Rowan, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Warren, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 258,000 |
| Branch, Michigan | 1 | $ 785,000 | $ 785,000 | $ 260,000 |
| Sanilac, Michigan | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Adams, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Champaign, Ohio | 1 | $ 445,000 | $ 445,000 | $ 270,000 |
| Clark, Ohio | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Darke, Ohio | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Fayette, Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Highland, Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Knox, Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Madison, Ohio | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Pike, Ohio | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| Scioto, Ohio | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Summit, Ohio | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Union, Ohio | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Washington, Ohio | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 1,505,000 | $ 1,505,000 | $ 3,510,000 |
| Horry, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Blount, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 345,000 |
| Davidson, Tennessee | 1 | $ 475,000 | $ 475,000 | $ 349,000 |
| Jefferson, Tennessee | 1 | $ 525,000 | $ 525,000 | $ 255,000 |
| Sevier, Tennessee | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Union, 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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