Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2013
In 2013, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 11,090 mortgage applications totaling $1.6 billion, down 30% from 2012. The average application was for $147,946, and applicants reported an average income of $92,872. 75% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (9,043), Lexington-Fayette, KY (1,455) and Louisville/Jefferson County, KY-IN (70) (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 | 11,090 |
| Total Mortgage Loan Application Amount | $1,640,722,000 |
| Average Mortgage Loan Application Amount | $147,946 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $92,872 |
| Highest Applicant Income | $2,673,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,248 | $ 474,790,000 | $ 146,179 | $ 94,000 |
| Kenton, Kentucky | 1,293 | $ 182,616,000 | $ 141,234 | $ 90,000 |
| Clermont, Ohio | 1,077 | $ 155,946,000 | $ 144,796 | $ 87,000 |
| Fayette, Kentucky | 1,069 | $ 155,084,000 | $ 145,073 | $ 92,000 |
| Butler, Ohio | 995 | $ 149,381,000 | $ 150,131 | $ 93,000 |
| Boone, Kentucky | 891 | $ 133,616,000 | $ 149,961 | $ 86,000 |
| Campbell, Kentucky | 681 | $ 99,690,000 | $ 146,387 | $ 92,000 |
| Warren, Ohio | 518 | $ 91,810,000 | $ 177,239 | $ 117,000 |
| Jessamine, Kentucky | 157 | $ 26,190,000 | $ 166,815 | $ 119,000 |
| Dearborn, Indiana | 138 | $ 21,515,000 | $ 155,905 | $ 93,000 |
| Scott, Kentucky | 108 | $ 17,505,000 | $ 162,083 | $ 96,000 |
| Madison, Kentucky | 87 | $ 14,470,000 | $ 166,321 | $ 99,000 |
| Franklin, Kentucky | 73 | $ 9,191,000 | $ 125,904 | $ 83,000 |
| Brown, Ohio | 73 | $ 8,904,000 | $ 121,972 | $ 79,000 |
| Woodford, Kentucky | 63 | $ 9,326,000 | $ 148,031 | $ 88,000 |
| Jefferson, Kentucky | 47 | $ 6,919,000 | $ 147,212 | $ 102,000 |
| Grant, Kentucky | 44 | $ 5,754,000 | $ 130,772 | $ 82,000 |
| Clark, Kentucky | 42 | $ 6,359,000 | $ 151,404 | $ 86,000 |
| Montgomery, Ohio | 41 | $ 5,911,000 | $ 144,170 | $ 104,000 |
| Pendleton, Kentucky | 35 | $ 4,899,000 | $ 139,971 | $ 70,000 |
| Anderson, Kentucky | 27 | $ 3,317,000 | $ 122,851 | $ 68,000 |
| Franklin, Ohio | 26 | $ 4,714,000 | $ 181,307 | $ 136,000 |
| Franklin, Indiana | 22 | $ 3,461,000 | $ 157,318 | $ 126,000 |
| Mercer, Kentucky | 21 | $ 2,964,000 | $ 141,142 | $ 86,000 |
| Garrard, Kentucky | 20 | $ 2,676,000 | $ 133,800 | $ 80,000 |
| Gallatin, Kentucky | 18 | $ 2,126,000 | $ 118,111 | $ 86,000 |
| Greene, Ohio | 17 | $ 1,951,000 | $ 114,764 | $ 85,000 |
| Bourbon, Kentucky | 16 | $ 2,580,000 | $ 161,250 | $ 85,000 |
| Boyle, Kentucky | 15 | $ 2,080,000 | $ 138,666 | $ 69,000 |
| Clinton, Ohio | 15 | $ 1,571,000 | $ 104,733 | $ 76,000 |
| Pulaski, Kentucky | 14 | $ 1,952,000 | $ 139,428 | $ 129,000 |
| Owen, Kentucky | 12 | $ 1,329,000 | $ 110,750 | $ 88,000 |
| Harrison, Kentucky | 11 | $ 1,482,000 | $ 134,727 | $ 119,000 |
| Oldham, Kentucky | 10 | $ 2,317,000 | $ 231,700 | $ 104,000 |
| Montgomery, Kentucky | 8 | $ 899,000 | $ 112,375 | $ 79,000 |
| Highland, Ohio | 8 | $ 950,000 | $ 118,750 | $ 64,000 |
| Shelby, Kentucky | 7 | $ 884,000 | $ 126,285 | $ 62,000 |
| Delaware, Ohio | 7 | $ 1,516,000 | $ 216,571 | $ 140,000 |
| Preble, Ohio | 7 | $ 881,000 | $ 125,857 | $ 109,000 |
| Ripley, Indiana | 6 | $ 678,000 | $ 113,000 | $ 67,000 |
| Adams, Ohio | 6 | $ 623,000 | $ 103,833 | $ 42,000 |
| Campbell, Tennessee | 6 | $ 1,296,000 | $ 216,000 | $ 287,000 |
| Ohio, Indiana | 5 | $ 802,000 | $ 160,400 | $ 45,000 |
| Bracken, Kentucky | 5 | $ 618,000 | $ 123,600 | $ 71,000 |
| Lincoln, Kentucky | 5 | $ 566,000 | $ 113,200 | $ 88,000 |
| Powell, Kentucky | 4 | $ 506,000 | $ 126,500 | $ 77,000 |
| Logan, Ohio | 4 | $ 1,123,000 | $ 280,750 | $ 167,000 |
| Laurel, Kentucky | 3 | $ 229,000 | $ 76,333 | $ 74,000 |
| Wayne, Kentucky | 3 | $ 411,000 | $ 137,000 | $ 115,000 |
| Miami, Ohio | 3 | $ 414,000 | $ 138,000 | $ 85,000 |
| Lee, Florida | 2 | $ 339,000 | $ 169,500 | $ 68,000 |
| Polk, Florida | 2 | $ 134,000 | $ 67,000 | $ 33,000 |
| Brown, Indiana | 2 | $ 265,000 | $ 132,500 | $ 42,000 |
| Marion, Indiana | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Monroe, Indiana | 2 | $ 307,000 | $ 153,500 | $ 93,000 |
| Estill, Kentucky | 2 | $ 213,000 | $ 106,500 | $ 86,000 |
| Henry, Kentucky | 2 | $ 345,000 | $ 172,500 | $ 98,000 |
| Russell, Kentucky | 2 | $ 278,000 | $ 139,000 | $ 180,000 |
| Fairfield, Ohio | 2 | $ 405,000 | $ 202,500 | $ 25,000 |
| Lake, Ohio | 2 | $ 164,000 | $ 82,000 | $ 66,000 |
| Licking, Ohio | 2 | $ 299,000 | $ 149,500 | $ 115,000 |
| Madison, Ohio | 2 | $ 583,000 | $ 291,500 | $ 78,000 |
| Medina, Ohio | 2 | $ 456,000 | $ 228,000 | $ 127,000 |
| Union, Tennessee | 2 | $ 595,000 | $ 297,500 | $ 105,000 |
| San Diego, California | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Park, Colorado | 1 | $ 283,000 | $ 283,000 | $ 255,000 |
| Escambia, Florida | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| Hernando, Florida | 1 | $ 121,000 | $ 121,000 | $ 36,000 |
| Indian River, Florida | 1 | $ 117,000 | $ 117,000 | $ 284,000 |
| Pinellas, Florida | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Columbia, Georgia | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Gwinnett, Georgia | 1 | $ 249,000 | $ 249,000 | $ 143,000 |
| Cook, Illinois | 1 | $ 966,000 | $ 966,000 | $ 200,000 |
| Clark, Indiana | 1 | $ 283,000 | $ 283,000 | $ 102,000 |
| Decatur, Indiana | 1 | $ 259,000 | $ 259,000 | $ 166,000 |
| Hamilton, Indiana | 1 | $ 197,000 | $ 197,000 | $ 68,000 |
| Harrison, Indiana | 1 | $ 78,000 | $ 78,000 | $ 61,000 |
| Hendricks, Indiana | 1 | $ 322,000 | $ 322,000 | $ 162,000 |
| Johnson, Indiana | 1 | $ 153,000 | $ 153,000 | $ 61,000 |
| Lake, Indiana | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Switzerland, Indiana | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Tippecanoe, Indiana | 1 | $ 106,000 | $ 106,000 | $ 98,000 |
| Breathitt, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Bullitt, Kentucky | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Casey, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Christian, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Floyd, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Hardin, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Marshall, Kentucky | 1 | $ 161,000 | $ 161,000 | $ 75,000 |
| Mason, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Nicholas, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Perry, Kentucky | 1 | $ 208,000 | $ 208,000 | $ 185,000 |
| Spencer, Kentucky | 1 | $ 139,000 | $ 139,000 | $ 109,000 |
| Trigg, Kentucky | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Washington, Kentucky | 1 | $ 131,000 | $ 131,000 | $ 37,000 |
| Wolfe, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Antrim, Michigan | 1 | $ 263,000 | $ 263,000 | $ 320,000 |
| Wayne, Michigan | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Iredell, North Carolina | 1 | $ 253,000 | $ 253,000 | $ 419,000 |
| Athens, Ohio | 1 | $ 167,000 | $ 167,000 | $ 117,000 |
| Auglaize, Ohio | 1 | $ 77,000 | $ 77,000 | $ 105,000 |
| Fayette, Ohio | 1 | $ 71,000 | $ 71,000 | $ 66,000 |
| Geauga, Ohio | 1 | $ 137,000 | $ 137,000 | $ 84,000 |
| Knox, Ohio | 1 | $ 361,000 | $ 361,000 | $ 210,000 |
| Lorain, Ohio | 1 | $ 263,000 | $ 263,000 | $ 60,000 |
| Lucas, Ohio | 1 | $ 137,000 | $ 137,000 | $ 200,000 |
| Mercer, Ohio | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Ottawa, Ohio | 1 | $ 320,000 | $ 320,000 | $ 205,000 |
| Pike, Ohio | 1 | $ 154,000 | $ 154,000 | $ 220,000 |
| Portage, Ohio | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Shelby, Ohio | 1 | $ 132,000 | $ 132,000 | $ 28,000 |
| Washington, Ohio | 1 | $ 120,000 | $ 120,000 | $ 216,000 |
| Erie, Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Sumner, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Oneida, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2013
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 | 8,175 | $1,202,190,000 | $147,000 | $1,600,000 | $94,000 | $2,673,000 |
| Home Purchase | 2,569 | $392,460,000 | $152,000 | $2,000,000 | $89,000 | $1,741,000 |
| Home Improvement | 346 | $46,072,000 | $133,000 | $665,000 | $95,000 | $530,000 |
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 | 9,904 | $1,453,773,000 | $146,000 | $2,000,000 | $95,000 | $2,673,000 |
| Not Provided | 321 | $47,953,000 | $149,000 | $640,000 | $104,000 | $800,000 |
| Asian | 267 | $45,435,000 | $170,000 | $1,000,000 | $116,000 | $1,260,000 |
| Black or African American | 267 | $34,322,000 | $128,000 | $417,000 | $82,000 | $800,000 |
| Not applicable | 224 | $43,488,000 | $194,000 | $579,000 | $0 | $0 |
| Hispanic | 89 | $13,387,000 | $150,000 | $393,000 | $96,000 | $323,000 |
| American Indian or Alaskan Native | 12 | $1,639,000 | $136,000 | $252,000 | $84,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $725,000 | $120,000 | $256,000 | $76,000 | $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) | 10,272 | $1,529,544,000 | $148,000 | $2,000,000 | $96,000 | $2,673,000 |
| FHA-insured (Federal Housing Administration) | 709 | $92,189,000 | $130,000 | $343,000 | $60,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 109 | $18,989,000 | $174,000 | $424,000 | $83,000 | $238,000 |
| 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 | 8,294 | $1,224,299,000 | $147,000 | $1,000,000 | $95,000 | $2,673,000 |
| Application Denied By Financial Institution | 2,139 | $313,674,000 | $146,000 | $2,000,000 | $82,000 | $1,680,000 |
| Application Withdrawn By Applicant | 472 | $74,886,000 | $158,000 | $1,600,000 | $98,000 | $1,741,000 |
| Application Approved But Not Accepted | 179 | $26,828,000 | $149,000 | $408,000 | $106,000 | $807,000 |
| Loan Purchased By The Institution | 6 | $1,035,000 | $172,000 | $288,000 | $104,000 | $203,000 |
| 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 | 746 | $118,898,000 | $159,000 | $2,000,000 | $93,000 | $1,680,000 |
| Credit History | 511 | $66,272,000 | $129,000 | $680,000 | $76,000 | $1,314,000 |
| Debt-To-Income Ratio | 415 | $62,515,000 | $150,000 | $800,000 | $54,000 | $335,000 |
| Credit Application Incomplete | 362 | $53,160,000 | $146,000 | $852,000 | $101,000 | $1,260,000 |
| Other | 74 | $9,219,000 | $124,000 | $690,000 | $87,000 | $316,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,015,000 | $118,000 | $202,000 | $71,000 | $158,000 |
| Unverifiable Information | 9 | $1,034,000 | $114,000 | $165,000 | $55,000 | $95,000 |
| Employment History | 5 | $561,000 | $112,000 | $171,000 | $61,000 | $91,000 |
| 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 2013 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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