Guardian Savings Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Guardian Savings Bank, Fsb 2010 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, Fsb 5901 Colerain Av Cincinnati, OH 45239 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,334 |
| Total Mortgage Loan Application Amount | $1,724,806,000 |
| Average Mortgage Loan Application Amount | $137,666 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $91,333 |
| Highest Applicant Income | $7,581,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Guardian Savings Bank, Fsb. 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, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Guardian Savings Bank, Fsb'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, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Guardian Savings Bank, Fsb, 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, Fsb's mortgage activity for 2010.
| 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 | 3,769 | $ 564,555,000 | $ 149,000 | $ 103,000 |
| Clermont County Ohio | 1,442 | $ 221,450,000 | $ 153,000 | $ 96,000 |
| Kenton County Kentucky | 1,314 | $ 194,077,000 | $ 147,000 | $ 94,000 |
| Butler County Ohio | 1,014 | $ 162,742,000 | $ 160,000 | $ 104,000 |
| Boone County Kentucky | 1,013 | $ 154,550,000 | $ 152,000 | $ 90,000 |
| Campbell County Kentucky | 659 | $ 90,770,000 | $ 137,000 | $ 89,000 |
| Warren County Ohio | 585 | $ 108,335,000 | $ 185,000 | $ 113,000 |
| Fayette County Kentucky | 576 | $ 84,042,000 | $ 145,000 | $ 89,000 |
| Dearborn County Indiana | 169 | $ 25,658,000 | $ 151,000 | $ 99,000 |
| Brown County Ohio | 90 | $ 10,255,000 | $ 113,000 | $ 73,000 |
| Jessamine County Kentucky | 80 | $ 13,948,000 | $ 174,000 | $ 97,000 |
| Scott County Kentucky | 66 | $ 10,790,000 | $ 163,000 | $ 100,000 |
| Grant County Kentucky | 62 | $ 9,721,000 | $ 156,000 | $ 87,000 |
| Madison County Kentucky | 47 | $ 7,740,000 | $ 164,000 | $ 106,000 |
| Woodford County Kentucky | 33 | $ 4,770,000 | $ 144,000 | $ 82,000 |
| Montgomery County Ohio | 29 | $ 3,586,000 | $ 123,000 | $ 81,000 |
| Clark County Kentucky | 28 | $ 4,773,000 | $ 170,000 | $ 93,000 |
| Jefferson County Kentucky | 23 | $ 3,482,000 | $ 151,000 | $ 90,000 |
| Franklin County Indiana | 22 | $ 3,354,000 | $ 152,000 | $ 99,000 |
| Pendleton County Kentucky | 20 | $ 2,375,000 | $ 118,000 | $ 67,000 |
| Franklin County Ohio | 18 | $ 2,864,000 | $ 159,000 | $ 71,000 |
| Clinton County Ohio | 16 | $ 1,983,000 | $ 123,000 | $ 77,000 |
| Anderson County Kentucky | 14 | $ 2,787,000 | $ 199,000 | $ 92,000 |
| Owen County Kentucky | 13 | $ 2,120,000 | $ 163,000 | $ 130,000 |
| Greene County Ohio | 13 | $ 1,800,000 | $ 138,000 | $ 130,000 |
| Highland County Ohio | 13 | $ 1,378,000 | $ 106,000 | $ 53,000 |
| Ripley County Indiana | 12 | $ 1,715,000 | $ 142,000 | $ 93,000 |
| Franklin County Kentucky | 12 | $ 1,928,000 | $ 160,000 | $ 118,000 |
| Mercer County Kentucky | 12 | $ 1,442,000 | $ 120,000 | $ 56,000 |
| Bourbon County Kentucky | 10 | $ 1,407,000 | $ 140,000 | $ 143,000 |
| Gallatin County Kentucky | 9 | $ 1,186,000 | $ 131,000 | $ 86,000 |
| Campbell County Tennessee | 9 | $ 2,099,000 | $ 233,000 | $ 237,000 |
| Boyle County Kentucky | 8 | $ 1,019,000 | $ 127,000 | $ 80,000 |
| Garrard County Kentucky | 8 | $ 1,148,000 | $ 143,000 | $ 158,000 |
| Harrison County Kentucky | 8 | $ 1,017,000 | $ 127,000 | $ 105,000 |
| Montgomery County Kentucky | 8 | $ 1,069,000 | $ 133,000 | $ 86,000 |
| Lincoln County Kentucky | 6 | $ 762,000 | $ 127,000 | $ 64,000 |
| Oldham County Kentucky | 6 | $ 1,397,000 | $ 232,000 | $ 220,000 |
| Pulaski County Kentucky | 6 | $ 906,000 | $ 151,000 | $ 356,000 |
| Adams County Ohio | 5 | $ 670,000 | $ 134,000 | $ 91,000 |
| Preble County Ohio | 5 | $ 608,000 | $ 121,000 | $ 71,000 |
| Shelby County Kentucky | 4 | $ 539,000 | $ 134,000 | $ 58,000 |
| Delaware County Ohio | 4 | $ 712,000 | $ 178,000 | $ 244,000 |
| Licking County Ohio | 4 | $ 505,000 | $ 126,000 | $ 81,000 |
| Ohio County Indiana | 3 | $ 427,000 | $ 142,000 | $ 83,000 |
| Shelby County Indiana | 3 | $ 466,000 | $ 155,000 | $ 40,000 |
| Bracken County Kentucky | 3 | $ 281,000 | $ 93,000 | $ 40,000 |
| Russell County Kentucky | 3 | $ 620,000 | $ 206,000 | $ 121,000 |
| Clark County Ohio | 3 | $ 252,000 | $ 84,000 | $ 65,000 |
| Ross County Ohio | 3 | $ 366,000 | $ 122,000 | $ 59,000 |
| Lee County Florida | 2 | $ 520,000 | $ 260,000 | $ 106,000 |
| Switzerland County Indiana | 2 | $ 365,000 | $ 182,000 | $ 98,000 |
| Boyd County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 36,000 |
| Casey County Kentucky | 2 | $ 131,000 | $ 65,000 | $ 55,000 |
| Nelson County Kentucky | 2 | $ 201,000 | $ 100,000 | $ 59,000 |
| Washington County Kentucky | 2 | $ 356,000 | $ 178,000 | $ 125,000 |
| Otsego County New York | 2 | $ 274,000 | $ 137,000 | $ 115,000 |
| Logan County Ohio | 2 | $ 215,000 | $ 107,000 | $ 248,000 |
| Miami County Ohio | 2 | $ 294,000 | $ 147,000 | $ 113,000 |
| Franklin County Virginia | 2 | $ 288,000 | $ 144,000 | $ 46,000 |
| Flagler County Florida | 1 | $ 390,000 | $ 390,000 | $ 307,000 |
| Marion County Florida | 1 | $ 136,000 | $ 136,000 | $ 30,000 |
| Floyd County Georgia | 1 | $ 208,000 | $ 208,000 | $ 88,000 |
| Jackson County Georgia | 1 | $ 370,000 | $ 370,000 | $ 227,000 |
| Coles County Illinois | 1 | $ 51,000 | $ 51,000 | $ 26,000 |
| Decatur County Indiana | 1 | $ 237,000 | $ 237,000 | $ 76,000 |
| Fayette County Indiana | 1 | $ 71,000 | $ 71,000 | $ 31,000 |
| Floyd County Indiana | 1 | $ 148,000 | $ 148,000 | $ 110,000 |
| Union County Indiana | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Clay County Kentucky | 1 | $ 47,000 | $ 47,000 | $ 39,000 |
| Estill County Kentucky | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Hardin County Kentucky | 1 | $ 159,000 | $ 159,000 | $ 118,000 |
| Mason County Kentucky | 1 | $ 237,000 | $ 237,000 | $ 134,000 |
| Nicholas County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Powell County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Rockcastle County Kentucky | 1 | $ 91,000 | $ 91,000 | $ 114,000 |
| Rowan County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Taylor County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
| Roscommon County Michigan | 1 | $ 90,000 | $ 90,000 | $ 145,000 |
| Cass County Missouri | 1 | $ 101,000 | $ 101,000 | $ 47,000 |
| Buncombe County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 139,000 |
| Dare County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 143,000 |
| Wake County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 52,000 |
| Knox County Ohio | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Lake County Ohio | 1 | $ 121,000 | $ 121,000 | $ 42,000 |
| Mercer County Ohio | 1 | $ 240,000 | $ 240,000 | $ 142,000 |
| Pike County Ohio | 1 | $ 168,000 | $ 168,000 | $ 212,000 |
| Union County Ohio | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| McKean County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Pickett County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 93,000 |
| Union County Tennessee | 1 | $ 393,000 | $ 393,000 | $ 180,000 |
| Henrico County Virginia | 1 | $ 316,000 | $ 316,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, Fsb in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 10,034 | $1,536,001,000 | $153,000 | $2,100,000 | $100,000 | $7,581,000 |
| Home Purchase | 1,262 | $184,451,000 | $146,000 | $1,720,000 | $81,000 | $1,117,000 |
| Home Improvement | 38 | $4,354,000 | $114,000 | $457,000 | $93,000 | $387,000 |
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 | 10,566 | $1,594,838,000 | $150,000 | $1,244,000 | $98,000 | $7,581,000 |
| Asian | 270 | $50,141,000 | $185,000 | $498,000 | $114,000 | $589,000 |
| Not Provided | 216 | $34,254,000 | $158,000 | $975,000 | $110,000 | $714,000 |
| Black or African American | 187 | $29,633,000 | $158,000 | $2,100,000 | $86,000 | $446,000 |
| Hispanic | 71 | $11,990,000 | $168,000 | $750,000 | $106,000 | $947,000 |
| American Indian or Alaskan Native | 13 | $2,280,000 | $175,000 | $417,000 | $163,000 | $547,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,032,000 | $172,000 | $327,000 | $134,000 | $307,000 |
| Not applicable | 5 | $638,000 | $127,000 | $250,000 | $47,000 | $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) | 10,550 | $1,614,441,000 | $153,000 | $2,100,000 | $101,000 | $7,581,000 |
| FHA-insured (Federal Housing Administration) | 715 | $99,042,000 | $138,000 | $373,000 | $56,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 69 | $11,323,000 | $164,000 | $419,000 | $56,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 8,589 | $1,282,406,000 | $149,000 | $1,190,000 | $102,000 | $7,581,000 |
| Application Denied By Financial Institution | 2,284 | $369,683,000 | $161,000 | $2,100,000 | $84,000 | $1,254,000 |
| Application Withdrawn By Applicant | 315 | $49,343,000 | $156,000 | $432,000 | $89,000 | $395,000 |
| Application Approved But Not Accepted | 114 | $18,397,000 | $161,000 | $506,000 | $118,000 | $449,000 |
| File Closed For Incompleteness | 31 | $4,822,000 | $155,000 | $412,000 | $72,000 | $240,000 |
| Loan Purchased By The Institution | 1 | $155,000 | $155,000 | $155,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 887 | $154,008,000 | $173,000 | $1,050,000 | $103,000 | $1,254,000 |
| Debt-To-Income Ratio | 487 | $81,455,000 | $167,000 | $2,100,000 | $60,000 | $379,000 |
| Other | 359 | $55,357,000 | $154,000 | $975,000 | $94,000 | $547,000 |
| Credit History | 312 | $41,451,000 | $132,000 | $900,000 | $65,000 | $668,000 |
| Credit Application Incomplete | 183 | $29,733,000 | $162,000 | $856,000 | $75,000 | $733,000 |
| Employment History | 32 | $4,518,000 | $141,000 | $366,000 | $68,000 | $385,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,809,000 | $129,000 | $210,000 | $77,000 | $176,000 |
| Unverifiable Information | 7 | $1,059,000 | $151,000 | $304,000 | $67,000 | $196,000 |
| Mortgage Insurance Denied | 3 | $293,000 | $97,000 | $146,000 | $46,000 | $73,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank, Fsb's 2010 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, Fsb'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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