Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2020
In 2020, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 9,517 mortgage applications totaling $1.8 billion, up 73% from 2019. The average application was for $192,752, and applicants reported an average income of $116,692. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Cincinnati, OH-KY-IN (7,191), Lexington-Fayette, KY (1,711) and Louisville/Jefferson County, KY-IN (92) (applications in parentheses).
| Mortgage Company & Address | Guardian Savings Bank, A Federal Savings Bank 6100 West Chester Rd West Chester, OH 45069 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 9,517 |
| Total Mortgage Loan Application Amount | $1,834,425,000 |
| Average Mortgage Loan Application Amount | $192,752 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $116,692 |
| Highest Applicant Income | $2,755,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guardian Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,193 | $ 404,115,000 | $ 184,274 | $ 120,000 |
| Kenton, Kentucky | 1,223 | $ 230,235,000 | $ 188,254 | $ 120,000 |
| Fayette, Kentucky | 1,214 | $ 247,680,000 | $ 204,019 | $ 113,000 |
| Boone, Kentucky | 898 | $ 178,960,000 | $ 199,287 | $ 111,000 |
| Butler, Ohio | 805 | $ 150,855,000 | $ 187,397 | $ 113,000 |
| Clermont, Ohio | 785 | $ 145,755,000 | $ 185,675 | $ 112,000 |
| Campbell, Kentucky | 593 | $ 109,925,000 | $ 185,370 | $ 115,000 |
| Warren, Ohio | 429 | $ 95,065,000 | $ 221,596 | $ 138,000 |
| Jessamine, Kentucky | 186 | $ 43,160,000 | $ 232,043 | $ 128,000 |
| Scott, Kentucky | 165 | $ 34,435,000 | $ 208,696 | $ 115,000 |
| Madison, Kentucky | 127 | $ 24,755,000 | $ 194,921 | $ 114,000 |
| Dearborn, Indiana | 98 | $ 18,750,000 | $ 191,326 | $ 108,000 |
| Woodford, Kentucky | 70 | $ 12,320,000 | $ 176,000 | $ 94,000 |
| Franklin, Kentucky | 68 | $ 10,870,000 | $ 159,852 | $ 86,000 |
| Jefferson, Kentucky | 65 | $ 14,805,000 | $ 227,769 | $ 133,000 |
| Brown, Ohio | 57 | $ 9,475,000 | $ 166,228 | $ 110,000 |
| Grant, Kentucky | 55 | $ 10,795,000 | $ 196,272 | $ 109,000 |
| Clark, Kentucky | 54 | $ 11,320,000 | $ 209,629 | $ 105,000 |
| Anderson, Kentucky | 36 | $ 5,980,000 | $ 166,111 | $ 97,000 |
| Montgomery, Ohio | 30 | $ 4,680,000 | $ 156,000 | $ 122,000 |
| Pendleton, Kentucky | 25 | $ 4,015,000 | $ 160,600 | $ 79,000 |
| Bourbon, Kentucky | 22 | $ 4,390,000 | $ 199,545 | $ 82,000 |
| Boyle, Kentucky | 21 | $ 3,045,000 | $ 145,000 | $ 83,000 |
| Mercer, Kentucky | 21 | $ 3,625,000 | $ 172,619 | $ 108,000 |
| Franklin, Ohio | 19 | $ 3,205,000 | $ 168,684 | $ 97,000 |
| Franklin, Indiana | 16 | $ 3,380,000 | $ 211,250 | $ 103,000 |
| Garrard, Kentucky | 14 | $ 2,890,000 | $ 206,428 | $ 97,000 |
| Montgomery, Kentucky | 11 | $ 1,805,000 | $ 164,090 | $ 86,000 |
| Owen, Kentucky | 11 | $ 1,885,000 | $ 171,363 | $ 114,000 |
| Gallatin, Kentucky | 9 | $ 1,475,000 | $ 163,888 | $ 100,000 |
| Oldham, Kentucky | 9 | $ 2,745,000 | $ 305,000 | $ 137,000 |
| Lincoln, Kentucky | 8 | $ 1,190,000 | $ 148,750 | $ 77,000 |
| Shelby, Kentucky | 8 | $ 1,900,000 | $ 237,500 | $ 132,000 |
| Delaware, Ohio | 8 | $ 2,160,000 | $ 270,000 | $ 326,000 |
| Greene, Ohio | 8 | $ 1,570,000 | $ 196,250 | $ 80,000 |
| Highland, Ohio | 8 | $ 1,210,000 | $ 151,250 | $ 84,000 |
| Ripley, Indiana | 7 | $ 1,315,000 | $ 187,857 | $ 98,000 |
| Clinton, Ohio | 7 | $ 895,000 | $ 127,857 | $ 91,000 |
| Pulaski, Kentucky | 6 | $ 980,000 | $ 163,333 | $ 138,000 |
| Russell, Kentucky | 6 | $ 680,000 | $ 113,333 | $ 119,000 |
| Campbell, Tennessee | 6 | $ 2,260,000 | $ 376,666 | $ 433,000 |
| Bracken, Kentucky | 5 | $ 605,000 | $ 121,000 | $ 103,000 |
| Bullitt, Kentucky | 5 | $ 1,305,000 | $ 261,000 | $ 95,000 |
| Harrison, Kentucky | 5 | $ 1,275,000 | $ 255,000 | $ 99,000 |
| Adams, Ohio | 4 | $ 620,000 | $ 155,000 | $ 96,000 |
| Miami, Ohio | 4 | $ 720,000 | $ 180,000 | $ 92,000 |
| Preble, Ohio | 4 | $ 540,000 | $ 135,000 | $ 85,000 |
| Collier, Florida | 3 | $ 1,075,000 | $ 358,333 | $ 321,000 |
| Walton, Florida | 3 | $ 825,000 | $ 275,000 | $ 251,000 |
| Floyd, Indiana | 3 | $ 635,000 | $ 211,666 | $ 105,000 |
| Jefferson, Indiana | 3 | $ 665,000 | $ 221,666 | $ 87,000 |
| Morgan, Indiana | 3 | $ 545,000 | $ 181,666 | $ 93,000 |
| Laurel, Kentucky | 3 | $ 475,000 | $ 158,333 | $ 96,000 |
| Logan, Ohio | 3 | $ 755,000 | $ 251,666 | $ 148,000 |
| Union, Ohio | 3 | $ 535,000 | $ 178,333 | $ 178,000 |
| Bay, Florida | 2 | $ 410,000 | $ 205,000 | $ 195,000 |
| Charlotte, Florida | 2 | $ 720,000 | $ 360,000 | $ 190,000 |
| Franklin, Florida | 2 | $ 640,000 | $ 320,000 | $ 1,029,000 |
| Lee, Florida | 2 | $ 330,000 | $ 165,000 | $ 86,000 |
| Pinellas, Florida | 2 | $ 530,000 | $ 265,000 | $ 130,000 |
| Clark, Indiana | 2 | $ 610,000 | $ 305,000 | $ 249,000 |
| Decatur, Indiana | 2 | $ 490,000 | $ 245,000 | $ 119,000 |
| Hamilton, Indiana | 2 | $ 390,000 | $ 195,000 | $ 136,000 |
| Switzerland, Indiana | 2 | $ 230,000 | $ 115,000 | $ 67,000 |
| Carroll, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Mason, Kentucky | 2 | $ 430,000 | $ 215,000 | $ 67,000 |
| Rockcastle, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 70,000 |
| Warren, Kentucky | 2 | $ 480,000 | $ 240,000 | $ 140,000 |
| Wayne, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 134,000 |
| Clark, Ohio | 2 | $ 440,000 | $ 220,000 | $ 155,000 |
| Fairfield, Ohio | 2 | $ 410,000 | $ 205,000 | $ 71,000 |
| Ross, Ohio | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Claiborne, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 114,000 |
| Sevier, Tennessee | 2 | $ 320,000 | $ 160,000 | $ 144,000 |
| Sacramento, California | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Boulder, Colorado | 1 | $ 515,000 | $ 515,000 | $ 244,000 |
| Sarasota, Florida | 1 | $ 345,000 | $ 345,000 | $ 292,000 |
| Volusia, Florida | 1 | $ 305,000 | $ 305,000 | $ 404,000 |
| Johnson, Indiana | 1 | $ 185,000 | $ 185,000 | $ 207,000 |
| Marion, Indiana | 1 | $ 135,000 | $ 135,000 | $ 126,000 |
| Monroe, Indiana | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Steuben, Indiana | 1 | $ 355,000 | $ 355,000 | $ 284,000 |
| Bath, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Breathitt, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Hart, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Knox, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Lewis, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 135,000 |
| Menifee, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 297,000 |
| Morgan, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Robertson, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Washington, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Whitley, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Kent, Michigan | 1 | $ 385,000 | $ 385,000 | $ 331,000 |
| Chautauqua, New York | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Mercer, Ohio | 1 | $ 145,000 | $ 145,000 | $ 173,000 |
| Pike, Ohio | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Summit, Ohio | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Dauphin, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Charleston, South Carolina | 1 | $ 435,000 | $ 435,000 | $ 247,000 |
| York, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 318,000 |
| Union, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2020
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 | 5,627 | $1,060,945,000 | $188,000 | $1,505,000 | $118,000 | $2,755,000 |
| Cash-out Refinancing | 2,104 | $390,940,000 | $185,000 | $805,000 | $113,000 | $1,962,000 |
| Home Purchase | 1,735 | $375,405,000 | $216,000 | $1,075,000 | $117,000 | $1,930,000 |
| Home Improvement | 29 | $3,845,000 | $132,000 | $345,000 | $107,000 | $377,000 |
| Other Purpose | 22 | $3,290,000 | $149,000 | $655,000 | $124,000 | $466,000 |
| 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 | 7,798 | $1,512,140,000 | $193,000 | $1,075,000 | $117,000 | $1,962,000 |
| Not Provided | 1,138 | $212,500,000 | $186,000 | $855,000 | $123,000 | $2,755,000 |
| Asian | 299 | $55,485,000 | $185,000 | $1,505,000 | $111,000 | $1,978,000 |
| Black or African American | 166 | $29,340,000 | $176,000 | $715,000 | $91,000 | $238,000 |
| Hispanic | 79 | $16,305,000 | $206,000 | $615,000 | $122,000 | $450,000 |
| Not applicable | 17 | $4,905,000 | $288,000 | $805,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $1,905,000 | $173,000 | $335,000 | $78,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $245,000 | $79,000 | $98,000 |
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) | 9,123 | $1,760,535,000 | $192,000 | $1,505,000 | $119,000 | $2,755,000 |
| FHA-insured (Federal Housing Administration) | 263 | $43,835,000 | $166,000 | $385,000 | $64,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 112 | $26,510,000 | $236,000 | $565,000 | $88,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,545,000 | $186,000 | $445,000 | $63,000 | $252,000 |
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 | 6,982 | $1,348,710,000 | $193,000 | $1,505,000 | $119,000 | $1,978,000 |
| Application Denied By Financial Institution | 1,525 | $286,565,000 | $187,000 | $815,000 | $106,000 | $1,962,000 |
| Application Withdrawn By Applicant | 699 | $138,985,000 | $198,000 | $875,000 | $120,000 | $2,755,000 |
| Application Approved But Not Accepted | 310 | $60,050,000 | $193,000 | $615,000 | $125,000 | $858,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 7,992 | $1,547,860,000 | $193,000 | $1,505,000 | $119,000 | $2,755,000 |
| Credit Application Incomplete | 677 | $133,245,000 | $196,000 | $815,000 | $123,000 | $1,962,000 |
| Debt-To-Income Ratio | 371 | $67,185,000 | $181,000 | $665,000 | $64,000 | $279,000 |
| Credit History | 238 | $40,290,000 | $169,000 | $565,000 | $102,000 | $900,000 |
| Collateral | 102 | $21,520,000 | $210,000 | $625,000 | $132,000 | $1,246,000 |
| Other | 84 | $15,350,000 | $182,000 | $715,000 | $141,000 | $1,246,000 |
| Unverifiable Information | 28 | $4,900,000 | $175,000 | $715,000 | $111,000 | $510,000 |
| Employment History | 18 | $2,770,000 | $153,000 | $245,000 | $72,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,305,000 | $186,000 | $345,000 | $101,000 | $226,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guardian Savings Bank, A Federal Savings Bank's 2020 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, A Federal 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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