Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2012
In 2012, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 15,782 mortgage applications totaling $2.4 billion, up 59% from 2011. The average application was for $151,694, and applicants reported an average income of $101,441. 79% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (13,331), Lexington-Fayette, KY (1,786) and Dayton, OH (101) (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 | 15,782 |
| Total Mortgage Loan Application Amount | $2,394,046,000 |
| Average Mortgage Loan Application Amount | $151,694 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $101,441 |
| Highest Applicant Income | $2,117,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,664 | $ 709,705,000 | $ 152,166 | $ 107,000 |
| Kenton, Kentucky | 1,777 | $ 257,714,000 | $ 145,027 | $ 96,000 |
| Clermont, Ohio | 1,650 | $ 252,972,000 | $ 153,316 | $ 101,000 |
| Butler, Ohio | 1,575 | $ 243,259,000 | $ 154,450 | $ 104,000 |
| Boone, Kentucky | 1,424 | $ 218,175,000 | $ 153,212 | $ 97,000 |
| Fayette, Kentucky | 1,299 | $ 186,698,000 | $ 143,724 | $ 96,000 |
| Campbell, Kentucky | 930 | $ 128,732,000 | $ 138,421 | $ 95,000 |
| Warren, Ohio | 797 | $ 147,778,000 | $ 185,417 | $ 117,000 |
| Dearborn, Indiana | 223 | $ 33,177,000 | $ 148,775 | $ 87,000 |
| Jessamine, Kentucky | 193 | $ 30,322,000 | $ 157,108 | $ 91,000 |
| Scott, Kentucky | 155 | $ 25,382,000 | $ 163,754 | $ 105,000 |
| Madison, Kentucky | 120 | $ 18,324,000 | $ 152,700 | $ 91,000 |
| Grant, Kentucky | 89 | $ 12,840,000 | $ 144,269 | $ 90,000 |
| Brown, Ohio | 88 | $ 11,398,000 | $ 129,522 | $ 89,000 |
| Woodford, Kentucky | 65 | $ 10,615,000 | $ 163,307 | $ 98,000 |
| Montgomery, Ohio | 59 | $ 8,288,000 | $ 140,474 | $ 114,000 |
| Franklin, Kentucky | 56 | $ 6,998,000 | $ 124,964 | $ 82,000 |
| Clark, Kentucky | 51 | $ 7,818,000 | $ 153,294 | $ 92,000 |
| Franklin, Indiana | 47 | $ 7,674,000 | $ 163,276 | $ 97,000 |
| Pendleton, Kentucky | 44 | $ 6,362,000 | $ 144,590 | $ 88,000 |
| Jefferson, Kentucky | 34 | $ 5,181,000 | $ 152,382 | $ 88,000 |
| Greene, Ohio | 30 | $ 4,796,000 | $ 159,866 | $ 108,000 |
| Mercer, Kentucky | 29 | $ 3,376,000 | $ 116,413 | $ 92,000 |
| Anderson, Kentucky | 23 | $ 3,718,000 | $ 161,652 | $ 96,000 |
| Bourbon, Kentucky | 23 | $ 2,891,000 | $ 125,695 | $ 83,000 |
| Clinton, Ohio | 23 | $ 3,006,000 | $ 130,695 | $ 96,000 |
| Boyle, Kentucky | 19 | $ 2,657,000 | $ 139,842 | $ 77,000 |
| Garrard, Kentucky | 19 | $ 2,034,000 | $ 107,052 | $ 82,000 |
| Franklin, Ohio | 19 | $ 3,471,000 | $ 182,684 | $ 118,000 |
| Highland, Ohio | 19 | $ 2,328,000 | $ 122,526 | $ 126,000 |
| Gallatin, Kentucky | 16 | $ 2,125,000 | $ 132,812 | $ 74,000 |
| Ripley, Indiana | 14 | $ 2,488,000 | $ 177,714 | $ 92,000 |
| Harrison, Kentucky | 14 | $ 1,754,000 | $ 125,285 | $ 96,000 |
| Owen, Kentucky | 12 | $ 1,416,000 | $ 118,000 | $ 106,000 |
| Pulaski, Kentucky | 11 | $ 1,640,000 | $ 149,090 | $ 115,000 |
| Montgomery, Kentucky | 9 | $ 1,175,000 | $ 130,555 | $ 90,000 |
| Preble, Ohio | 8 | $ 1,083,000 | $ 135,375 | $ 69,000 |
| Oldham, Kentucky | 7 | $ 1,315,000 | $ 187,857 | $ 114,000 |
| Delaware, Ohio | 7 | $ 1,495,000 | $ 213,571 | $ 128,000 |
| Laurel, Kentucky | 6 | $ 1,064,000 | $ 177,333 | $ 83,000 |
| Russell, Kentucky | 6 | $ 702,000 | $ 117,000 | $ 285,000 |
| Shelby, Kentucky | 6 | $ 1,305,000 | $ 217,500 | $ 96,000 |
| Campbell, Tennessee | 6 | $ 1,396,000 | $ 232,666 | $ 167,000 |
| Johnson, Indiana | 4 | $ 886,000 | $ 221,500 | $ 71,000 |
| Bracken, Kentucky | 4 | $ 310,000 | $ 77,500 | $ 43,000 |
| Carroll, Kentucky | 4 | $ 347,000 | $ 86,750 | $ 79,000 |
| Lincoln, Kentucky | 4 | $ 330,000 | $ 82,500 | $ 68,000 |
| Wayne, Kentucky | 4 | $ 516,000 | $ 129,000 | $ 325,000 |
| Cuyahoga, Ohio | 4 | $ 625,000 | $ 156,250 | $ 108,000 |
| Miami, Ohio | 4 | $ 348,000 | $ 87,000 | $ 44,000 |
| Boone, Indiana | 3 | $ 636,000 | $ 212,000 | $ 154,000 |
| Decatur, Indiana | 3 | $ 468,000 | $ 156,000 | $ 101,000 |
| Hamilton, Indiana | 3 | $ 477,000 | $ 159,000 | $ 89,000 |
| Marion, Indiana | 3 | $ 480,000 | $ 160,000 | $ 74,000 |
| Ohio, Indiana | 3 | $ 545,000 | $ 181,666 | $ 55,000 |
| Switzerland, Indiana | 3 | $ 364,000 | $ 121,333 | $ 112,000 |
| Union, Indiana | 3 | $ 314,000 | $ 104,666 | $ 52,000 |
| Estill, Kentucky | 3 | $ 457,000 | $ 152,333 | $ 105,000 |
| Adams, Ohio | 3 | $ 375,000 | $ 125,000 | $ 73,000 |
| Clark, Ohio | 3 | $ 470,000 | $ 156,666 | $ 118,000 |
| Bullitt, Kentucky | 2 | $ 332,000 | $ 166,000 | $ 86,000 |
| Mason, Kentucky | 2 | $ 334,000 | $ 167,000 | $ 80,000 |
| Nelson, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Nicholas, Kentucky | 2 | $ 222,000 | $ 111,000 | $ 83,000 |
| Rockcastle, Kentucky | 2 | $ 199,000 | $ 99,500 | $ 60,000 |
| Spencer, Kentucky | 2 | $ 257,000 | $ 128,500 | $ 136,000 |
| Fairfield, Ohio | 2 | $ 310,000 | $ 155,000 | $ 140,000 |
| Medina, Ohio | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Rhea, Tennessee | 2 | $ 98,000 | $ 49,000 | $ 53,000 |
| San Bernardino, California | 1 | $ 152,000 | $ 152,000 | $ 154,000 |
| Park, Colorado | 1 | $ 283,000 | $ 283,000 | $ 255,000 |
| Charlotte, Florida | 1 | $ 135,000 | $ 135,000 | $ 177,000 |
| Flagler, Florida | 1 | $ 417,000 | $ 417,000 | $ 943,000 |
| Polk, Florida | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Chatham, Georgia | 1 | $ 416,000 | $ 416,000 | $ 317,000 |
| Cobb, Georgia | 1 | $ 227,000 | $ 227,000 | $ 81,000 |
| Lake, Illinois | 1 | $ 149,000 | $ 149,000 | $ 70,000 |
| Bartholomew, Indiana | 1 | $ 83,000 | $ 83,000 | $ 147,000 |
| Clark, Indiana | 1 | $ 108,000 | $ 108,000 | $ 64,000 |
| Clinton, Indiana | 1 | $ 41,000 | $ 41,000 | $ 90,000 |
| Fayette, Indiana | 1 | $ 124,000 | $ 124,000 | $ 48,000 |
| Floyd, Indiana | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| LaGrange, Indiana | 1 | $ 260,000 | $ 260,000 | $ 112,000 |
| Monroe, Indiana | 1 | $ 294,000 | $ 294,000 | $ 325,000 |
| Shelby, Indiana | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Clinton, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 345,000 |
| Floyd, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Hardin, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| Henry, Kentucky | 1 | $ 129,000 | $ 129,000 | $ 72,000 |
| Marion, Kentucky | 1 | $ 159,000 | $ 159,000 | $ 114,000 |
| Warren, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 65,000 |
| Washington, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Sagadahoc, Maine | 1 | $ 120,000 | $ 120,000 | $ 240,000 |
| Benzie, Michigan | 1 | $ 120,000 | $ 120,000 | $ 151,000 |
| Charlevoix, Michigan | 1 | $ 174,000 | $ 174,000 | $ 148,000 |
| Grand Traverse, Michigan | 1 | $ 354,000 | $ 354,000 | $ 161,000 |
| Adair, Missouri | 1 | $ 85,000 | $ 85,000 | $ 8,000 |
| St. Charles, Missouri | 1 | $ 120,000 | $ 120,000 | $ 100,000 |
| Henderson, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Auglaize, Ohio | 1 | $ 75,000 | $ 75,000 | $ 219,000 |
| Hancock, Ohio | 1 | $ 190,000 | $ 190,000 | $ 327,000 |
| Licking, Ohio | 1 | $ 117,000 | $ 117,000 | $ 142,000 |
| Marion, Ohio | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Ottawa, Ohio | 1 | $ 257,000 | $ 257,000 | $ 173,000 |
| Shelby, Ohio | 1 | $ 180,000 | $ 180,000 | $ 92,000 |
| Charleston, South Carolina | 1 | $ 398,000 | $ 398,000 | $ 227,000 |
| Sevier, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 154,000 |
| Fauquier, Virginia | 1 | $ 176,000 | $ 176,000 | $ 84,000 |
| Virginia Beach, Virginia | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2012
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 | 14,125 | $2,145,964,000 | $151,000 | $1,200,000 | $103,000 | $2,117,000 |
| Home Purchase | 1,620 | $241,577,000 | $149,000 | $994,000 | $88,000 | $1,367,000 |
| Home Improvement | 37 | $6,505,000 | $175,000 | $940,000 | $95,000 | $609,000 |
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 | 14,491 | $2,192,658,000 | $151,000 | $1,200,000 | $101,000 | $2,117,000 |
| Not Provided | 517 | $79,598,000 | $153,000 | $928,000 | $109,000 | $1,169,000 |
| Asian | 379 | $66,681,000 | $175,000 | $1,135,000 | $115,000 | $1,737,000 |
| Black or African American | 246 | $32,243,000 | $131,000 | $399,000 | $92,000 | $646,000 |
| Hispanic | 114 | $17,102,000 | $150,000 | $380,000 | $87,000 | $393,000 |
| American Indian or Alaskan Native | 19 | $3,725,000 | $196,000 | $417,000 | $98,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,348,000 | $122,000 | $202,000 | $72,000 | $131,000 |
| Not applicable | 5 | $691,000 | $138,000 | $360,000 | $104,000 | $298,000 |
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) | 14,976 | $2,282,244,000 | $152,000 | $1,200,000 | $104,000 | $2,117,000 |
| FHA-insured (Federal Housing Administration) | 702 | $94,157,000 | $134,000 | $343,000 | $61,000 | $672,000 |
| VA-guaranteed (Veterans Administration) | 104 | $17,645,000 | $169,000 | $366,000 | $64,000 | $229,000 |
| 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 | 12,486 | $1,880,642,000 | $150,000 | $1,200,000 | $106,000 | $2,117,000 |
| Application Denied By Financial Institution | 2,996 | $467,345,000 | $155,000 | $1,135,000 | $86,000 | $972,000 |
| Application Withdrawn By Applicant | 168 | $26,227,000 | $156,000 | $417,000 | $86,000 | $460,000 |
| Application Approved But Not Accepted | 126 | $19,381,000 | $153,000 | $402,000 | $103,000 | $732,000 |
| Loan Purchased By The Institution | 6 | $451,000 | $75,000 | $216,000 | $48,000 | $119,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1,123 | $186,440,000 | $166,000 | $483,000 | $94,000 | $500,000 |
| Credit History | 517 | $68,369,000 | $132,000 | $417,000 | $78,000 | $922,000 |
| Debt-To-Income Ratio | 490 | $75,659,000 | $154,000 | $940,000 | $58,000 | $928,000 |
| Other | 430 | $67,794,000 | $157,000 | $417,000 | $98,000 | $972,000 |
| Credit Application Incomplete | 395 | $63,017,000 | $159,000 | $1,135,000 | $96,000 | $651,000 |
| Unverifiable Information | 17 | $2,518,000 | $148,000 | $263,000 | $66,000 | $163,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,197,000 | $137,000 | $313,000 | $88,000 | $202,000 |
| Employment History | 8 | $1,351,000 | $168,000 | $374,000 | $99,000 | $300,000 |
| 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 2012 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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