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(HMDA) records Guardian Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About