Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 9,920 mortgage applications totaling $1.5 billion. The average application was for $150,269, and applicants reported an average income of $99,903. 76% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (8,547), Lexington-Fayette, KY (973) and Dayton, OH (52) (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 | 9,920 |
| Total Mortgage Loan Application Amount | $1,490,678,000 |
| Average Mortgage Loan Application Amount | $150,269 |
| Highest Mortgage Loan Application Amount | $1,960,000 |
| Average Applicant Income | $99,903 |
| Highest Applicant Income | $2,568,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,072 | $ 469,858,000 | $ 152,948 | $ 105,000 |
| Kenton, Kentucky | 1,164 | $ 163,853,000 | $ 140,767 | $ 97,000 |
| Clermont, Ohio | 1,030 | $ 153,361,000 | $ 148,894 | $ 93,000 |
| Butler, Ohio | 972 | $ 149,705,000 | $ 154,017 | $ 100,000 |
| Boone, Kentucky | 900 | $ 136,520,000 | $ 151,688 | $ 96,000 |
| Fayette, Kentucky | 688 | $ 98,631,000 | $ 143,359 | $ 89,000 |
| Campbell, Kentucky | 573 | $ 76,795,000 | $ 134,022 | $ 87,000 |
| Warren, Ohio | 509 | $ 92,791,000 | $ 182,300 | $ 130,000 |
| Dearborn, Indiana | 133 | $ 18,077,000 | $ 135,917 | $ 86,000 |
| Jessamine, Kentucky | 101 | $ 16,669,000 | $ 165,039 | $ 107,000 |
| Scott, Kentucky | 92 | $ 14,897,000 | $ 161,923 | $ 97,000 |
| Grant, Kentucky | 69 | $ 9,635,000 | $ 139,637 | $ 87,000 |
| Brown, Ohio | 55 | $ 7,018,000 | $ 127,600 | $ 82,000 |
| Madison, Kentucky | 54 | $ 8,556,000 | $ 158,444 | $ 90,000 |
| Woodford, Kentucky | 47 | $ 7,863,000 | $ 167,297 | $ 86,000 |
| Franklin, Kentucky | 37 | $ 5,267,000 | $ 142,351 | $ 91,000 |
| Clark, Kentucky | 36 | $ 5,158,000 | $ 143,277 | $ 89,000 |
| Jefferson, Kentucky | 33 | $ 5,140,000 | $ 155,757 | $ 86,000 |
| Montgomery, Ohio | 33 | $ 4,493,000 | $ 136,151 | $ 100,000 |
| Pendleton, Kentucky | 28 | $ 3,562,000 | $ 127,214 | $ 75,000 |
| Franklin, Indiana | 26 | $ 3,830,000 | $ 147,307 | $ 107,000 |
| Mercer, Kentucky | 22 | $ 2,712,000 | $ 123,272 | $ 74,000 |
| Ripley, Indiana | 17 | $ 2,751,000 | $ 161,823 | $ 92,000 |
| Delaware, Ohio | 14 | $ 3,281,000 | $ 234,357 | $ 144,000 |
| Highland, Ohio | 14 | $ 1,458,000 | $ 104,142 | $ 70,000 |
| Boyle, Kentucky | 13 | $ 1,788,000 | $ 137,538 | $ 96,000 |
| Garrard, Kentucky | 13 | $ 1,404,000 | $ 108,000 | $ 66,000 |
| Greene, Ohio | 13 | $ 2,145,000 | $ 165,000 | $ 99,000 |
| Franklin, Ohio | 12 | $ 2,057,000 | $ 171,416 | $ 140,000 |
| Owen, Kentucky | 11 | $ 1,066,000 | $ 96,909 | $ 133,000 |
| Bourbon, Kentucky | 9 | $ 1,385,000 | $ 153,888 | $ 97,000 |
| Gallatin, Kentucky | 9 | $ 1,441,000 | $ 160,111 | $ 139,000 |
| Montgomery, Kentucky | 8 | $ 816,000 | $ 102,000 | $ 76,000 |
| Oldham, Kentucky | 8 | $ 1,851,000 | $ 231,375 | $ 184,000 |
| Anderson, Kentucky | 7 | $ 856,000 | $ 122,285 | $ 103,000 |
| Clinton, Ohio | 6 | $ 795,000 | $ 132,500 | $ 77,000 |
| Bracken, Kentucky | 5 | $ 369,000 | $ 73,800 | $ 45,000 |
| Laurel, Kentucky | 5 | $ 906,000 | $ 181,200 | $ 99,000 |
| Lincoln, Kentucky | 5 | $ 536,000 | $ 107,200 | $ 89,000 |
| Harrison, Kentucky | 4 | $ 678,000 | $ 169,500 | $ 72,000 |
| Powell, Kentucky | 4 | $ 507,000 | $ 126,750 | $ 84,000 |
| Russell, Kentucky | 4 | $ 473,000 | $ 118,250 | $ 253,000 |
| Preble, Ohio | 4 | $ 538,000 | $ 134,500 | $ 99,000 |
| Lee, Florida | 3 | $ 691,000 | $ 230,333 | $ 456,000 |
| Switzerland, Indiana | 3 | $ 385,000 | $ 128,333 | $ 101,000 |
| Carroll, Kentucky | 3 | $ 323,000 | $ 107,666 | $ 80,000 |
| Pulaski, Kentucky | 3 | $ 246,000 | $ 82,000 | $ 158,000 |
| Shelby, Kentucky | 3 | $ 369,000 | $ 123,000 | $ 70,000 |
| Campbell, Tennessee | 3 | $ 564,000 | $ 188,000 | $ 113,000 |
| Hamilton, Indiana | 2 | $ 310,000 | $ 155,000 | $ 92,000 |
| Ohio, Indiana | 2 | $ 310,000 | $ 155,000 | $ 89,000 |
| Mason, Kentucky | 2 | $ 143,000 | $ 71,500 | $ 35,000 |
| Wayne, Kentucky | 2 | $ 248,000 | $ 124,000 | $ 225,000 |
| Miami, Ohio | 2 | $ 153,000 | $ 76,500 | $ 79,000 |
| Union, Ohio | 2 | $ 430,000 | $ 215,000 | $ 113,000 |
| Gunnison, Colorado | 1 | $ 181,000 | $ 181,000 | $ 346,000 |
| Charlotte, Florida | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Hillsborough, Florida | 1 | $ 84,000 | $ 84,000 | $ 75,000 |
| Indian River, Florida | 1 | $ 121,000 | $ 121,000 | $ 150,000 |
| Manatee, Florida | 1 | $ 93,000 | $ 93,000 | $ 106,000 |
| Polk, Florida | 1 | $ 60,000 | $ 60,000 | $ 105,000 |
| Sarasota, Florida | 1 | $ 197,000 | $ 197,000 | $ 137,000 |
| St. Johns, Florida | 1 | $ 226,000 | $ 226,000 | $ 268,000 |
| Decatur, Indiana | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Hancock, Indiana | 1 | $ 192,000 | $ 192,000 | $ 124,000 |
| Union, Indiana | 1 | $ 94,000 | $ 94,000 | $ 36,000 |
| Bath, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 102,000 |
| Boyd, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 44,000 |
| Breckinridge, Kentucky | 1 | $ 87,000 | $ 87,000 | $ 75,000 |
| Nelson, Kentucky | 1 | $ 312,000 | $ 312,000 | $ 80,000 |
| Nicholas, Kentucky | 1 | $ 166,000 | $ 166,000 | $ 121,000 |
| Rockcastle, Kentucky | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| Rowan, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Union, North Carolina | 1 | $ 268,000 | $ 268,000 | $ 164,000 |
| Adams, Ohio | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| Clark, Ohio | 1 | $ 49,000 | $ 49,000 | $ 21,000 |
| Fayette, Ohio | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Licking, Ohio | 1 | $ 190,000 | $ 190,000 | $ 72,000 |
| Logan, Ohio | 1 | $ 273,000 | $ 273,000 | $ 72,000 |
| Lorain, Ohio | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Medina, Ohio | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Ross, Ohio | 1 | $ 208,000 | $ 208,000 | $ 237,000 |
| Pike, Pennsylvania | 1 | $ 267,000 | $ 267,000 | $ 283,000 |
| Charleston, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 141,000 |
| Putnam, West Virginia | 1 | $ 220,000 | $ 220,000 | $ 126,000 |
| Outagamie, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2011
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 | 8,582 | $1,284,788,000 | $149,000 | $1,491,000 | $102,000 | $2,568,000 |
| Home Purchase | 1,306 | $200,214,000 | $153,000 | $1,960,000 | $86,000 | $773,000 |
| Home Improvement | 32 | $5,676,000 | $177,000 | $1,148,000 | $105,000 | $785,000 |
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 | 9,134 | $1,358,458,000 | $148,000 | $1,960,000 | $99,000 | $2,568,000 |
| Asian | 271 | $48,921,000 | $180,000 | $417,000 | $122,000 | $638,000 |
| Not Provided | 262 | $42,611,000 | $162,000 | $841,000 | $114,000 | $706,000 |
| Black or African American | 176 | $25,345,000 | $144,000 | $565,000 | $80,000 | $326,000 |
| Hispanic | 57 | $10,447,000 | $183,000 | $1,300,000 | $106,000 | $330,000 |
| American Indian or Alaskan Native | 11 | $2,097,000 | $190,000 | $405,000 | $162,000 | $527,000 |
| Not applicable | 6 | $2,229,000 | $371,000 | $1,000,000 | $377,000 | $1,205,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $570,000 | $190,000 | $269,000 | $111,000 | $169,000 |
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) | 9,209 | $1,393,693,000 | $151,000 | $1,960,000 | $103,000 | $2,568,000 |
| FHA-insured (Federal Housing Administration) | 641 | $85,523,000 | $133,000 | $343,000 | $58,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 70 | $11,462,000 | $163,000 | $685,000 | $64,000 | $492,000 |
| 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 | 7,559 | $1,116,488,000 | $147,000 | $1,960,000 | $104,000 | $1,974,000 |
| Application Denied By Financial Institution | 2,013 | $320,981,000 | $159,000 | $1,640,000 | $83,000 | $2,568,000 |
| Application Withdrawn By Applicant | 175 | $27,967,000 | $159,000 | $841,000 | $104,000 | $2,400,000 |
| Application Approved But Not Accepted | 162 | $23,724,000 | $146,000 | $405,000 | $99,000 | $431,000 |
| Loan Purchased By The Institution | 7 | $935,000 | $133,000 | $199,000 | $90,000 | $242,000 |
| File Closed For Incompleteness | 4 | $583,000 | $145,000 | $192,000 | $84,000 | $165,000 |
| 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 | 748 | $122,925,000 | $164,000 | $685,000 | $92,000 | $466,000 |
| Credit Application Incomplete | 374 | $59,326,000 | $158,000 | $1,640,000 | $96,000 | $2,568,000 |
| Debt-To-Income Ratio | 361 | $58,109,000 | $160,000 | $1,491,000 | $57,000 | $420,000 |
| Credit History | 297 | $40,207,000 | $135,000 | $417,000 | $68,000 | $815,000 |
| Other | 205 | $36,481,000 | $177,000 | $1,300,000 | $94,000 | $345,000 |
| Employment History | 13 | $1,535,000 | $118,000 | $371,000 | $62,000 | $296,000 |
| Unverifiable Information | 8 | $1,548,000 | $193,000 | $406,000 | $67,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $850,000 | $121,000 | $256,000 | $81,000 | $151,000 |
| 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 2011 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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