Guardian Savings Bank Mortgage Lending & HMDA Data, 2024

In 2024, Guardian Savings Bank of West Chester, OH reported 2,959 mortgage applications totaling $750.5 million, up 28% from 2023. The average application was for $253,624, and applicants reported an average income of $141,919. 61% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Cincinnati, OH-KY-IN (1,846), Lexington-Fayette, KY (478) and Columbus, OH (109) (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 2,959
Total Mortgage Loan Application Amount $750,475,000
Average Mortgage Loan Application Amount $253,624
Highest Mortgage Loan Application Amount $2,885,000
Average Applicant Income $141,919
Highest Applicant Income $1,899,000

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(HMDA) records Guardian Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Guardian Savings Bank by County in 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hamilton, Ohio 508 $ 114,930,000 $ 226,240 $ 141,000
Kenton, Kentucky 338 $ 70,170,000 $ 207,603 $ 128,000
Fayette, Kentucky 316 $ 88,230,000 $ 279,208 $ 139,000
Clermont, Ohio 227 $ 47,945,000 $ 211,211 $ 131,000
Boone, Kentucky 204 $ 51,290,000 $ 251,421 $ 144,000
Butler, Ohio 187 $ 40,895,000 $ 218,689 $ 155,000
Campbell, Kentucky 171 $ 40,295,000 $ 235,643 $ 135,000
Warren, Ohio 121 $ 39,385,000 $ 325,495 $ 165,000
Jessamine, Kentucky 73 $ 21,765,000 $ 298,150 $ 135,000
Montgomery, Ohio 64 $ 15,080,000 $ 235,625 $ 111,000
Franklin, Ohio 63 $ 17,235,000 $ 273,571 $ 217,000
Jefferson, Kentucky 59 $ 22,625,000 $ 383,474 $ 164,000
Scott, Kentucky 41 $ 11,015,000 $ 268,658 $ 120,000
Madison, Kentucky 31 $ 8,465,000 $ 273,064 $ 124,000
Dearborn, Indiana 25 $ 5,995,000 $ 239,800 $ 151,000
Allen, Indiana 24 $ 5,520,000 $ 230,000 $ 53,000
Woodford, Kentucky 24 $ 6,860,000 $ 285,833 $ 115,000
Delaware, Ohio 20 $ 7,500,000 $ 375,000 $ 320,000
Greene, Ohio 20 $ 4,670,000 $ 233,500 $ 108,000
Clark, Kentucky 19 $ 3,895,000 $ 205,000 $ 117,000
Grant, Kentucky 19 $ 4,785,000 $ 251,842 $ 146,000
Hamilton, Indiana 18 $ 5,960,000 $ 331,111 $ 229,000
Brown, Ohio 15 $ 3,485,000 $ 232,333 $ 143,000
Pendleton, Kentucky 14 $ 3,790,000 $ 270,714 $ 156,000
Anderson, Kentucky 12 $ 3,700,000 $ 308,333 $ 96,000
Miami, Ohio 12 $ 2,630,000 $ 219,166 $ 0
Licking, Ohio 11 $ 3,665,000 $ 333,181 $ 218,000
Marion, Indiana 10 $ 2,310,000 $ 231,000 $ 129,000
Boyle, Kentucky 9 $ 1,805,000 $ 200,555 $ 120,000
Clinton, Ohio 9 $ 1,815,000 $ 201,666 $ 106,000
Allegheny, Pennsylvania 9 $ 2,775,000 $ 308,333 $ 0
Franklin, Indiana 8 $ 2,050,000 $ 256,250 $ 125,000
Franklin, Kentucky 8 $ 1,400,000 $ 175,000 $ 106,000
Mercer, Kentucky 7 $ 1,415,000 $ 202,142 $ 97,000
Shelby, Kentucky 7 $ 3,005,000 $ 429,285 $ 114,000
Cuyahoga, Ohio 7 $ 1,315,000 $ 187,857 $ 0
Owen, Kentucky 6 $ 1,520,000 $ 253,333 $ 203,000
Bourbon, Kentucky 5 $ 1,675,000 $ 335,000 $ 96,000
Gallatin, Kentucky 5 $ 745,000 $ 149,000 $ 124,000
Oldham, Kentucky 5 $ 2,985,000 $ 597,000 $ 643,000
Clark, Indiana 4 $ 1,060,000 $ 265,000 $ 157,000
Hendricks, Indiana 4 $ 1,390,000 $ 347,500 $ 0
Johnson, Indiana 4 $ 3,050,000 $ 762,500 $ 0
Garrard, Kentucky 4 $ 1,010,000 $ 252,500 $ 110,000
Grayson, Kentucky 4 $ 850,000 $ 212,500 $ 179,000
Champaign, Ohio 4 $ 1,280,000 $ 320,000 $ 165,000
Preble, Ohio 4 $ 910,000 $ 227,500 $ 81,000
Union, Ohio 4 $ 1,700,000 $ 425,000 $ 0
Beaufort, South Carolina 4 $ 3,040,000 $ 760,000 $ 507,000
Manatee, Florida 3 $ 1,255,000 $ 418,333 $ 119,000
Pinellas, Florida 3 $ 1,865,000 $ 621,666 $ 991,000
Sarasota, Florida 3 $ 1,345,000 $ 448,333 $ 0
Boone, Indiana 3 $ 1,005,000 $ 335,000 $ 206,000
Hancock, Indiana 3 $ 725,000 $ 241,666 $ 0
Bullitt, Kentucky 3 $ 665,000 $ 221,666 $ 118,000
Nicholas, Kentucky 3 $ 365,000 $ 121,666 $ 57,000
Pulaski, Kentucky 3 $ 555,000 $ 185,000 $ 217,000
Russell, Kentucky 3 $ 245,000 $ 81,666 $ 148,000
Brunswick, North Carolina 3 $ 845,000 $ 281,666 $ 383,000
Clark, Ohio 3 $ 445,000 $ 148,333 $ 43,000
Fayette, Ohio 3 $ 585,000 $ 195,000 $ 0
Lorain, Ohio 3 $ 885,000 $ 295,000 $ 0
Medina, Ohio 3 $ 735,000 $ 245,000 $ 0
Perry, Ohio 3 $ 1,165,000 $ 388,333 $ 0
Shelby, Ohio 3 $ 405,000 $ 135,000 $ 0
Butler, Pennsylvania 3 $ 1,015,000 $ 338,333 $ 0
Campbell, Tennessee 3 $ 1,145,000 $ 381,666 $ 230,000
Brevard, Florida 2 $ 420,000 $ 210,000 $ 143,000
Escambia, Florida 2 $ 740,000 $ 370,000 $ 118,000
Lake, Florida 2 $ 700,000 $ 350,000 $ 157,000
Palm Beach, Florida 2 $ 960,000 $ 480,000 $ 325,000
Walton, Florida 2 $ 940,000 $ 470,000 $ 0
Cook, Illinois 2 $ 440,000 $ 220,000 $ 132,000
Bartholomew, Indiana 2 $ 710,000 $ 355,000 $ 142,000
Floyd, Indiana 2 $ 410,000 $ 205,000 $ 83,000
Lake, Indiana 2 $ 320,000 $ 160,000 $ 0
Monroe, Indiana 2 $ 580,000 $ 290,000 $ 386,000
Ohio, Indiana 2 $ 770,000 $ 385,000 $ 308,000
Barren, Kentucky 2 $ 380,000 $ 190,000 $ 84,000
Bath, Kentucky 2 $ 360,000 $ 180,000 $ 52,000
Bracken, Kentucky 2 $ 190,000 $ 95,000 $ 254,000
Laurel, Kentucky 2 $ 560,000 $ 280,000 $ 133,000
Lincoln, Kentucky 2 $ 290,000 $ 145,000 $ 51,000
Marion, Kentucky 2 $ 280,000 $ 140,000 $ 65,000
Montgomery, Kentucky 2 $ 500,000 $ 250,000 $ 201,000
Powell, Kentucky 2 $ 310,000 $ 155,000 $ 157,000
Wayne, Kentucky 2 $ 150,000 $ 75,000 $ 105,000
Fairfield, Ohio 2 $ 540,000 $ 270,000 $ 0
Highland, Ohio 2 $ 590,000 $ 295,000 $ 85,000
Hocking, Ohio 2 $ 1,750,000 $ 875,000 $ 597,000
Lake, Ohio 2 $ 650,000 $ 325,000 $ 0
Madison, Ohio 2 $ 1,680,000 $ 840,000 $ 0
Ottawa, Ohio 2 $ 310,000 $ 155,000 $ 161,000
Pickaway, Ohio 2 $ 1,010,000 $ 505,000 $ 0
Summit, Ohio 2 $ 220,000 $ 110,000 $ 0
Greenwood, South Carolina 2 $ 1,340,000 $ 670,000 $ 338,000
McCormick, South Carolina 2 $ 370,000 $ 185,000 $ 0
Chesapeake, Virginia 2 $ 440,000 $ 220,000 $ 120,000
Limestone, Alabama 1 $ 575,000 $ 575,000 $ 320,000
Orange, California 1 $ 745,000 $ 745,000 $ 0
Bay, Florida 1 $ 315,000 $ 315,000 $ 238,000
Collier, Florida 1 $ 665,000 $ 665,000 $ 0
Flagler, Florida 1 $ 285,000 $ 285,000 $ 111,000
Hillsborough, Florida 1 $ 365,000 $ 365,000 $ 0
Lee, Florida 1 $ 195,000 $ 195,000 $ 0
Monroe, Florida 1 $ 645,000 $ 645,000 $ 0
Okaloosa, Florida 1 $ 665,000 $ 665,000 $ 0
Osceola, Florida 1 $ 265,000 $ 265,000 $ 310,000
Santa Rosa, Florida 1 $ 255,000 $ 255,000 $ 0
Sumter, Florida 1 $ 285,000 $ 285,000 $ 0
Cobb, Georgia 1 $ 505,000 $ 505,000 $ 301,000
Shelby, Illinois 1 $ 345,000 $ 345,000 $ 61,000
Clinton, Indiana 1 $ 375,000 $ 375,000 $ 0
Decatur, Indiana 1 $ 335,000 $ 335,000 $ 347,000
DeKalb, Indiana 1 $ 265,000 $ 265,000 $ 0
Delaware, Indiana 1 $ 195,000 $ 195,000 $ 0
Elkhart, Indiana 1 $ 115,000 $ 115,000 $ 0
Jennings, Indiana 1 $ 195,000 $ 195,000 $ 0
Madison, Indiana 1 $ 125,000 $ 125,000 $ 0
Ripley, Indiana 1 $ 55,000 $ 55,000 $ 100,000
Scott, Indiana 1 $ 375,000 $ 375,000 $ 323,000
Steuben, Indiana 1 $ 225,000 $ 225,000 $ 0
Vanderburgh, Indiana 1 $ 305,000 $ 305,000 $ 0
Boyd, Kentucky 1 $ 165,000 $ 165,000 $ 56,000
Carroll, Kentucky 1 $ 195,000 $ 195,000 $ 19,000
Clinton, Kentucky 1 $ 205,000 $ 205,000 $ 0
Estill, Kentucky 1 $ 835,000 $ 835,000 $ 139,000
Graves, Kentucky 1 $ 175,000 $ 175,000 $ 61,000
Harrison, Kentucky 1 $ 145,000 $ 145,000 $ 105,000
Larue, Kentucky 1 $ 625,000 $ 625,000 $ 198,000
Logan, Kentucky 1 $ 395,000 $ 395,000 $ 150,000
Mason, Kentucky 1 $ 75,000 $ 75,000 $ 88,000
Menifee, Kentucky 1 $ 395,000 $ 395,000 $ 72,000
Nelson, Kentucky 1 $ 55,000 $ 55,000 $ 49,000
Spencer, Kentucky 1 $ 255,000 $ 255,000 $ 97,000
Union, Kentucky 1 $ 35,000 $ 35,000 $ 72,000
Warren, Kentucky 1 $ 225,000 $ 225,000 $ 332,000
Whitley, Kentucky 1 $ 195,000 $ 195,000 $ 135,000
Bossier, Louisiana 1 $ 105,000 $ 105,000 $ 87,000
Garrett, Maryland 1 $ 635,000 $ 635,000 $ 0
Jones, Mississippi 1 $ 65,000 $ 65,000 $ 91,000
Washoe, Nevada 1 $ 125,000 $ 125,000 $ 318,000
Chautauqua, New York 1 $ 255,000 $ 255,000 $ 0
Kings, New York 1 $ 1,505,000 $ 1,505,000 $ 0
Currituck, North Carolina 1 $ 485,000 $ 485,000 $ 0
Pamlico, North Carolina 1 $ 225,000 $ 225,000 $ 0
Swain, North Carolina 1 $ 295,000 $ 295,000 $ 350,000
Wake, North Carolina 1 $ 415,000 $ 415,000 $ 0
Adams, Ohio 1 $ 125,000 $ 125,000 $ 53,000
Defiance, Ohio 1 $ 195,000 $ 195,000 $ 0
Logan, Ohio 1 $ 585,000 $ 585,000 $ 0
Lucas, Ohio 1 $ 65,000 $ 65,000 $ 64,000
Marion, Ohio 1 $ 385,000 $ 385,000 $ 0
Muskingum, Ohio 1 $ 175,000 $ 175,000 $ 0
Pike, Ohio 1 $ 185,000 $ 185,000 $ 0
Richland, Ohio 1 $ 75,000 $ 75,000 $ 0
Ross, Ohio 1 $ 385,000 $ 385,000 $ 150,000
Stark, Ohio 1 $ 155,000 $ 155,000 $ 0
Beaver, Pennsylvania 1 $ 205,000 $ 205,000 $ 0
Cumberland, Pennsylvania 1 $ 715,000 $ 715,000 $ 0
Montgomery, Pennsylvania 1 $ 555,000 $ 555,000 $ 0
Philadelphia, Pennsylvania 1 $ 265,000 $ 265,000 $ 0
Bamberg, South Carolina 1 $ 305,000 $ 305,000 $ 0
Greenville, South Carolina 1 $ 575,000 $ 575,000 $ 0
Horry, South Carolina 1 $ 115,000 $ 115,000 $ 0
Jasper, South Carolina 1 $ 125,000 $ 125,000 $ 305,000
Claiborne, Tennessee 1 $ 75,000 $ 75,000 $ 0
Davidson, Tennessee 1 $ 905,000 $ 905,000 $ 0
Knox, Tennessee 1 $ 325,000 $ 325,000 $ 219,000
Loudon, Tennessee 1 $ 525,000 $ 525,000 $ 245,000
Marion, Tennessee 1 $ 855,000 $ 855,000 $ 214,000
Montgomery, Tennessee 1 $ 175,000 $ 175,000 $ 137,000
Sevier, Tennessee 1 $ 325,000 $ 325,000 $ 457,000
Randolph, West Virginia 1 $ 295,000 $ 295,000 $ 120,000

Mortgage Loan Application Detail Totals for Guardian Savings Bank in 2024

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 1,741 $541,255,000 $310,000 $2,885,000 $150,000 $1,899,000
Other Purpose 397 $44,175,000 $111,000 $925,000 $129,000 $705,000
Cash-out Refinancing 330 $65,780,000 $199,000 $2,105,000 $131,000 $1,591,000
Refinancing 312 $82,800,000 $265,000 $855,000 $146,000 $1,296,000
Home Improvement 179 $16,465,000 $91,000 $1,505,000 $105,000 $652,000
Not Applicable 0 $0 $0 $0 $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 1,927 $481,955,000 $250,000 $2,885,000 $142,000 $1,899,000
Not applicable 525 $148,905,000 $283,000 $2,105,000 $0 $0
Not Provided 297 $72,315,000 $243,000 $1,875,000 $147,000 $850,000
Black or African American 79 $13,955,000 $176,000 $755,000 $97,000 $500,000
Hispanic 63 $14,505,000 $230,000 $765,000 $117,000 $558,000
Asian 60 $16,610,000 $276,000 $725,000 $196,000 $824,000
American Indian or Alaskan Native 5 $1,415,000 $283,000 $445,000 $156,000 $232,000
Native Hawaiian or Other Pacific Islander 3 $815,000 $271,000 $365,000 $131,000 $195,000

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) 2,751 $701,035,000 $254,000 $2,885,000 $147,000 $1,899,000
FHA-insured (Federal Housing Administration) 174 $39,710,000 $228,000 $485,000 $79,000 $264,000
VA-guaranteed (Veterans Administration) 25 $7,815,000 $312,000 $695,000 $108,000 $247,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,915,000 $212,000 $305,000 $75,000 $111,000

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 1,815 $458,265,000 $252,000 $2,885,000 $146,000 $1,296,000
Loan Purchased By The Institution 487 $139,275,000 $285,000 $1,655,000 $0 $0
Application Denied By Financial Institution 349 $74,415,000 $213,000 $2,695,000 $110,000 $607,000
Application Withdrawn By Applicant 250 $64,960,000 $259,000 $855,000 $159,000 $1,899,000
Application Approved But Not Accepted 58 $13,560,000 $233,000 $895,000 $135,000 $418,000
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 2,610 $676,060,000 $259,000 $2,885,000 $147,000 $1,899,000
Credit Application Incomplete 152 $35,890,000 $236,000 $2,085,000 $132,000 $429,000
Debt-To-Income Ratio 91 $22,355,000 $245,000 $2,695,000 $77,000 $407,000
Credit History 54 $6,990,000 $129,000 $485,000 $81,000 $240,000
Collateral 26 $4,990,000 $191,000 $705,000 $160,000 $607,000
Other 18 $3,300,000 $183,000 $345,000 $123,000 $288,000
Employment History 4 $370,000 $92,000 $165,000 $65,000 $132,000
Insufficient Cash (Downpayment, Closing Cost) 2 $220,000 $110,000 $185,000 $20,000 $38,000
Unverifiable Information 2 $300,000 $150,000 $175,000 $70,000 $94,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank's 2024 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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