Guardian Savings Bank, A Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Guardian Savings Bank, A Federal Savings Bank 2012 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, 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 | $158,333 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $95,333 |
| Highest Applicant Income | $2,117,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Guardian Savings Bank, A Federal Savings Bank. 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, A Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Guardian Savings Bank, A Federal Savings Bank'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, A Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Guardian Savings Bank, A Federal Savings Bank, 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, A Federal Savings Bank's mortgage activity for 2012.
| 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 | 4,664 | $ 709,705,000 | $ 152,000 | $ 107,000 |
| Kenton County Kentucky | 1,777 | $ 257,714,000 | $ 145,000 | $ 96,000 |
| Clermont County Ohio | 1,650 | $ 252,972,000 | $ 153,000 | $ 101,000 |
| Butler County Ohio | 1,575 | $ 243,259,000 | $ 154,000 | $ 104,000 |
| Boone County Kentucky | 1,424 | $ 218,175,000 | $ 153,000 | $ 97,000 |
| Fayette County Kentucky | 1,299 | $ 186,698,000 | $ 143,000 | $ 96,000 |
| Campbell County Kentucky | 930 | $ 128,732,000 | $ 138,000 | $ 95,000 |
| Warren County Ohio | 797 | $ 147,778,000 | $ 185,000 | $ 117,000 |
| Dearborn County Indiana | 223 | $ 33,177,000 | $ 148,000 | $ 87,000 |
| Jessamine County Kentucky | 193 | $ 30,322,000 | $ 157,000 | $ 91,000 |
| Scott County Kentucky | 155 | $ 25,382,000 | $ 163,000 | $ 105,000 |
| Madison County Kentucky | 120 | $ 18,324,000 | $ 152,000 | $ 91,000 |
| Grant County Kentucky | 89 | $ 12,840,000 | $ 144,000 | $ 90,000 |
| Brown County Ohio | 88 | $ 11,398,000 | $ 129,000 | $ 89,000 |
| Woodford County Kentucky | 65 | $ 10,615,000 | $ 163,000 | $ 98,000 |
| Montgomery County Ohio | 59 | $ 8,288,000 | $ 140,000 | $ 114,000 |
| Franklin County Kentucky | 56 | $ 6,998,000 | $ 124,000 | $ 82,000 |
| Clark County Kentucky | 51 | $ 7,818,000 | $ 153,000 | $ 92,000 |
| Franklin County Indiana | 47 | $ 7,674,000 | $ 163,000 | $ 97,000 |
| Pendleton County Kentucky | 44 | $ 6,362,000 | $ 144,000 | $ 88,000 |
| Jefferson County Kentucky | 34 | $ 5,181,000 | $ 152,000 | $ 88,000 |
| Greene County Ohio | 30 | $ 4,796,000 | $ 159,000 | $ 108,000 |
| Mercer County Kentucky | 29 | $ 3,376,000 | $ 116,000 | $ 92,000 |
| Anderson County Kentucky | 23 | $ 3,718,000 | $ 161,000 | $ 96,000 |
| Bourbon County Kentucky | 23 | $ 2,891,000 | $ 125,000 | $ 83,000 |
| Clinton County Ohio | 23 | $ 3,006,000 | $ 130,000 | $ 96,000 |
| Boyle County Kentucky | 19 | $ 2,657,000 | $ 139,000 | $ 77,000 |
| Garrard County Kentucky | 19 | $ 2,034,000 | $ 107,000 | $ 82,000 |
| Franklin County Ohio | 19 | $ 3,471,000 | $ 182,000 | $ 118,000 |
| Highland County Ohio | 19 | $ 2,328,000 | $ 122,000 | $ 126,000 |
| Gallatin County Kentucky | 16 | $ 2,125,000 | $ 132,000 | $ 74,000 |
| Ripley County Indiana | 14 | $ 2,488,000 | $ 177,000 | $ 92,000 |
| Harrison County Kentucky | 14 | $ 1,754,000 | $ 125,000 | $ 96,000 |
| Owen County Kentucky | 12 | $ 1,416,000 | $ 118,000 | $ 106,000 |
| Pulaski County Kentucky | 11 | $ 1,640,000 | $ 149,000 | $ 115,000 |
| Montgomery County Kentucky | 9 | $ 1,175,000 | $ 130,000 | $ 90,000 |
| Preble County Ohio | 8 | $ 1,083,000 | $ 135,000 | $ 69,000 |
| Oldham County Kentucky | 7 | $ 1,315,000 | $ 187,000 | $ 114,000 |
| Delaware County Ohio | 7 | $ 1,495,000 | $ 213,000 | $ 128,000 |
| Laurel County Kentucky | 6 | $ 1,064,000 | $ 177,000 | $ 83,000 |
| Russell County Kentucky | 6 | $ 702,000 | $ 117,000 | $ 285,000 |
| Shelby County Kentucky | 6 | $ 1,305,000 | $ 217,000 | $ 96,000 |
| Campbell County Tennessee | 6 | $ 1,396,000 | $ 232,000 | $ 167,000 |
| Johnson County Indiana | 4 | $ 886,000 | $ 221,000 | $ 71,000 |
| Bracken County Kentucky | 4 | $ 310,000 | $ 77,000 | $ 43,000 |
| Carroll County Kentucky | 4 | $ 347,000 | $ 86,000 | $ 79,000 |
| Lincoln County Kentucky | 4 | $ 330,000 | $ 82,000 | $ 68,000 |
| Wayne County Kentucky | 4 | $ 516,000 | $ 129,000 | $ 325,000 |
| Cuyahoga County Ohio | 4 | $ 625,000 | $ 156,000 | $ 108,000 |
| Miami County Ohio | 4 | $ 348,000 | $ 87,000 | $ 44,000 |
| Boone County Indiana | 3 | $ 636,000 | $ 212,000 | $ 154,000 |
| Decatur County Indiana | 3 | $ 468,000 | $ 156,000 | $ 101,000 |
| Hamilton County Indiana | 3 | $ 477,000 | $ 159,000 | $ 89,000 |
| Marion County Indiana | 3 | $ 480,000 | $ 160,000 | $ 74,000 |
| Ohio County Indiana | 3 | $ 545,000 | $ 181,000 | $ 55,000 |
| Switzerland County Indiana | 3 | $ 364,000 | $ 121,000 | $ 112,000 |
| Union County Indiana | 3 | $ 314,000 | $ 104,000 | $ 52,000 |
| Estill County Kentucky | 3 | $ 457,000 | $ 152,000 | $ 105,000 |
| Adams County Ohio | 3 | $ 375,000 | $ 125,000 | $ 73,000 |
| Clark County Ohio | 3 | $ 470,000 | $ 156,000 | $ 118,000 |
| Bullitt County Kentucky | 2 | $ 332,000 | $ 166,000 | $ 86,000 |
| Mason County Kentucky | 2 | $ 334,000 | $ 167,000 | $ 80,000 |
| Nelson County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Nicholas County Kentucky | 2 | $ 222,000 | $ 111,000 | $ 83,000 |
| Rockcastle County Kentucky | 2 | $ 199,000 | $ 99,000 | $ 60,000 |
| Spencer County Kentucky | 2 | $ 257,000 | $ 128,000 | $ 136,000 |
| Fairfield County Ohio | 2 | $ 310,000 | $ 155,000 | $ 140,000 |
| Medina County Ohio | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Rhea County Tennessee | 2 | $ 98,000 | $ 49,000 | $ 53,000 |
| San Bernardino County California | 1 | $ 152,000 | $ 152,000 | $ 154,000 |
| Park County Colorado | 1 | $ 283,000 | $ 283,000 | $ 255,000 |
| Charlotte County Florida | 1 | $ 135,000 | $ 135,000 | $ 177,000 |
| Flagler County Florida | 1 | $ 417,000 | $ 417,000 | $ 943,000 |
| Polk County Florida | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Chatham County Georgia | 1 | $ 416,000 | $ 416,000 | $ 317,000 |
| Cobb County Georgia | 1 | $ 227,000 | $ 227,000 | $ 81,000 |
| Lake County Illinois | 1 | $ 149,000 | $ 149,000 | $ 70,000 |
| Bartholomew County Indiana | 1 | $ 83,000 | $ 83,000 | $ 147,000 |
| Clark County Indiana | 1 | $ 108,000 | $ 108,000 | $ 64,000 |
| Clinton County Indiana | 1 | $ 41,000 | $ 41,000 | $ 90,000 |
| Fayette County Indiana | 1 | $ 124,000 | $ 124,000 | $ 48,000 |
| Floyd County Indiana | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| LaGrange County Indiana | 1 | $ 260,000 | $ 260,000 | $ 112,000 |
| Monroe County Indiana | 1 | $ 294,000 | $ 294,000 | $ 325,000 |
| Shelby County Indiana | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Clinton County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 345,000 |
| Floyd County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Hardin County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| Henry County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 72,000 |
| Marion County Kentucky | 1 | $ 159,000 | $ 159,000 | $ 114,000 |
| Warren County Kentucky | 1 | $ 176,000 | $ 176,000 | $ 65,000 |
| Washington County Kentucky | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Sagadahoc County Maine | 1 | $ 120,000 | $ 120,000 | $ 240,000 |
| Benzie County Michigan | 1 | $ 120,000 | $ 120,000 | $ 151,000 |
| Charlevoix County Michigan | 1 | $ 174,000 | $ 174,000 | $ 148,000 |
| Grand Traverse County Michigan | 1 | $ 354,000 | $ 354,000 | $ 161,000 |
| Adair County Missouri | 1 | $ 85,000 | $ 85,000 | $ 8,000 |
| St. Charles County Missouri | 1 | $ 120,000 | $ 120,000 | $ 100,000 |
| Henderson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Auglaize County Ohio | 1 | $ 75,000 | $ 75,000 | $ 219,000 |
| Hancock County Ohio | 1 | $ 190,000 | $ 190,000 | $ 327,000 |
| Licking County Ohio | 1 | $ 117,000 | $ 117,000 | $ 142,000 |
| Marion County Ohio | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Ottawa County Ohio | 1 | $ 257,000 | $ 257,000 | $ 173,000 |
| Shelby County Ohio | 1 | $ 180,000 | $ 180,000 | $ 92,000 |
| Charleston County South Carolina | 1 | $ 398,000 | $ 398,000 | $ 227,000 |
| Sevier County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 154,000 |
| Fauquier County Virginia | 1 | $ 176,000 | $ 176,000 | $ 84,000 |
| Virginia Beach County 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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