Guardian Savings Bank Mortgage Lending & HMDA Data, 2025
In 2025, Guardian Savings Bank of West Chester, OH reported 3,262 mortgage applications totaling $939.3 million, up 10% from 2024. The average application was for $287,939, and applicants reported an average income of $150,952. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cincinnati, OH-KY-IN (2,110), Lexington-Fayette, KY (578) and Louisville/Jefferson County, KY-IN (130) (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 | 3,262 |
| Total Mortgage Loan Application Amount | $939,260,000 |
| Average Mortgage Loan Application Amount | $287,939 |
| Highest Mortgage Loan Application Amount | $3,705,000 |
| Average Applicant Income | $150,952 |
| Highest Applicant Income | $2,986,000 |
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(HMDA) records Guardian Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 2,110 | $ 571,710,000 | $ 270,952 | $ 150,052 |
| Lexington-Fayette, KY | 578 | $ 200,410,000 | $ 346,730 | $ 156,000 |
| Outside any metro area | 225 | $ 55,865,000 | $ 248,288 | $ 129,071 |
| Louisville/Jefferson County, KY-IN | 130 | $ 46,720,000 | $ 359,384 | $ 175,000 |
| Dayton-Springfield-Kettering, OH | 63 | $ 14,755,000 | $ 234,206 | $ 139,000 |
| Columbus, OH | 45 | $ 14,515,000 | $ 322,555 | $ 155,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 3,690,000 | $ 263,571 | $ 132,000 |
| Cleveland, OH | 10 | $ 2,340,000 | $ 234,000 | $ 82,000 |
| Fort Wayne, IN | 10 | $ 2,410,000 | $ 241,000 | $ 282,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,845,000 | $ 369,000 | $ 287,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 990,000 | $ 247,500 | $ 92,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,730,000 | $ 432,500 | $ 192,000 |
| Pittsburgh, PA | 4 | $ 1,350,000 | $ 337,500 | $ 94,000 |
| Bowling Green, KY | 3 | $ 765,000 | $ 255,000 | $ 134,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 905,000 | $ 301,666 | $ 59,000 |
| Charleston-North Charleston, SC | 3 | $ 1,135,000 | $ 378,333 | $ 169,000 |
| Knoxville, TN | 3 | $ 905,000 | $ 301,666 | $ 187,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 915,000 | $ 305,000 | $ 308,000 |
| Springfield, OH | 3 | $ 415,000 | $ 138,333 | $ 94,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,035,000 | $ 345,000 | $ 190,000 |
| Wildwood-The Villages, FL | 3 | $ 925,000 | $ 308,333 | $ 152,000 |
| Akron, OH | 2 | $ 470,000 | $ 235,000 | $ 86,000 |
| Greensboro-High Point, NC | 2 | $ 420,000 | $ 210,000 | $ 142,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 590,000 | $ 295,000 | $ 122,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,230,000 | $ 615,000 | $ 656,000 |
| Punta Gorda, FL | 2 | $ 1,150,000 | $ 575,000 | $ 249,000 |
| Tallahassee, FL | 2 | $ 730,000 | $ 365,000 | $ 122,000 |
| Asheville, NC | 1 | $ 555,000 | $ 555,000 | $ 251,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Charleston, WV | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 355,000 | $ 355,000 | $ 174,000 |
| Chicago-Naperville, IL | 1 | $ 1,395,000 | $ 1,395,000 | $ 731,000 |
| Colorado Springs, CO | 1 | $ 425,000 | $ 425,000 | $ 170,000 |
| Columbus, IN | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 444,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 315,000 | $ 315,000 | $ 162,000 |
| Jacksonville, FL | 1 | $ 605,000 | $ 605,000 | $ 157,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 85,000 | $ 85,000 | $ 254,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 485,000 | $ 485,000 | $ 130,000 |
| Ocala, FL | 1 | $ 445,000 | $ 445,000 | $ 173,000 |
| Owensboro, KY | 1 | $ 395,000 | $ 395,000 | $ 182,000 |
| Peoria, IL | 1 | $ 225,000 | $ 225,000 | $ 158,000 |
| Raleigh, NC | 1 | $ 395,000 | $ 395,000 | $ 96,000 |
| Sebastian-Vero Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| St. Louis, MO-IL | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 285,000 | $ 285,000 | $ 221,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 805,000 | $ 805,000 | $ 219,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 395,000 | $ 395,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank in 2025
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 | 1,698 | $594,980,000 | $350,000 | $3,505,000 | $158,000 | $2,986,000 |
| Refinancing | 571 | $174,105,000 | $304,000 | $1,355,000 | $154,000 | $752,000 |
| Other Purpose | 457 | $54,665,000 | $119,000 | $2,605,000 | $133,000 | $1,401,000 |
| Cash-out Refinancing | 416 | $99,290,000 | $238,000 | $3,705,000 | $138,000 | $927,000 |
| Home Improvement | 120 | $16,220,000 | $135,000 | $945,000 | $150,000 | $803,000 |
| 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 | 2,379 | $686,705,000 | $288,000 | $2,005,000 | $151,000 | $2,986,000 |
| Not Provided | 418 | $121,120,000 | $289,000 | $3,705,000 | $157,000 | $927,000 |
| Not applicable | 284 | $80,630,000 | $283,000 | $3,505,000 | $0 | $0 |
| Asian | 66 | $21,860,000 | $331,000 | $1,645,000 | $164,000 | $678,000 |
| Black or African American | 54 | $11,620,000 | $215,000 | $775,000 | $107,000 | $434,000 |
| Hispanic | 54 | $15,500,000 | $287,000 | $1,455,000 | $128,000 | $364,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,105,000 | $221,000 | $335,000 | $151,000 | $308,000 |
| American Indian or Alaskan Native | 2 | $720,000 | $360,000 | $415,000 | $200,000 | $238,000 |
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) | 3,077 | $891,545,000 | $289,000 | $3,705,000 | $155,000 | $2,986,000 |
| FHA-insured (Federal Housing Administration) | 149 | $35,655,000 | $239,000 | $495,000 | $86,000 | $358,000 |
| VA-guaranteed (Veterans Administration) | 25 | $9,345,000 | $373,000 | $815,000 | $141,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,715,000 | $246,000 | $345,000 | $88,000 | $110,000 |
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 | 2,310 | $669,460,000 | $289,000 | $3,505,000 | $154,000 | $2,986,000 |
| Application Withdrawn By Applicant | 326 | $103,520,000 | $317,000 | $1,455,000 | $154,000 | $650,000 |
| Application Denied By Financial Institution | 311 | $85,085,000 | $273,000 | $3,705,000 | $131,000 | $1,320,000 |
| Loan Purchased By The Institution | 239 | $60,025,000 | $251,000 | $575,000 | $0 | $0 |
| Application Approved But Not Accepted | 76 | $21,170,000 | $278,000 | $975,000 | $145,000 | $490,000 |
| 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 | 2,951 | $854,175,000 | $289,000 | $3,505,000 | $153,000 | $2,986,000 |
| Credit Application Incomplete | 131 | $35,745,000 | $272,000 | $2,605,000 | $152,000 | $678,000 |
| Debt-To-Income Ratio | 92 | $23,690,000 | $257,000 | $1,065,000 | $84,000 | $428,000 |
| Credit History | 50 | $13,260,000 | $265,000 | $3,705,000 | $141,000 | $1,320,000 |
| Collateral | 27 | $9,935,000 | $367,000 | $1,645,000 | $150,000 | $421,000 |
| Other | 10 | $2,240,000 | $224,000 | $445,000 | $157,000 | $447,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $215,000 | $215,000 | $215,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank's 2025 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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