Guardian Savings Bank, A Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Guardian Savings Bank, A Federal Savings Bank 2013 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 | 11,090 |
| Total Mortgage Loan Application Amount | $1,640,722,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $92,666 |
| Highest Applicant Income | $2,673,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 3,248 | $ 474,790,000 | $ 146,000 | $ 94,000 |
| Kenton County Kentucky | 1,293 | $ 182,616,000 | $ 141,000 | $ 90,000 |
| Clermont County Ohio | 1,077 | $ 155,946,000 | $ 144,000 | $ 87,000 |
| Fayette County Kentucky | 1,069 | $ 155,084,000 | $ 145,000 | $ 92,000 |
| Butler County Ohio | 995 | $ 149,381,000 | $ 150,000 | $ 93,000 |
| Boone County Kentucky | 891 | $ 133,616,000 | $ 149,000 | $ 86,000 |
| Campbell County Kentucky | 681 | $ 99,690,000 | $ 146,000 | $ 92,000 |
| Warren County Ohio | 518 | $ 91,810,000 | $ 177,000 | $ 117,000 |
| Jessamine County Kentucky | 157 | $ 26,190,000 | $ 166,000 | $ 119,000 |
| Dearborn County Indiana | 138 | $ 21,515,000 | $ 155,000 | $ 93,000 |
| Scott County Kentucky | 108 | $ 17,505,000 | $ 162,000 | $ 96,000 |
| Madison County Kentucky | 87 | $ 14,470,000 | $ 166,000 | $ 99,000 |
| Franklin County Kentucky | 73 | $ 9,191,000 | $ 125,000 | $ 83,000 |
| Brown County Ohio | 73 | $ 8,904,000 | $ 121,000 | $ 79,000 |
| Woodford County Kentucky | 63 | $ 9,326,000 | $ 148,000 | $ 88,000 |
| Jefferson County Kentucky | 47 | $ 6,919,000 | $ 147,000 | $ 102,000 |
| Grant County Kentucky | 44 | $ 5,754,000 | $ 130,000 | $ 82,000 |
| Clark County Kentucky | 42 | $ 6,359,000 | $ 151,000 | $ 86,000 |
| Montgomery County Ohio | 41 | $ 5,911,000 | $ 144,000 | $ 104,000 |
| Pendleton County Kentucky | 35 | $ 4,899,000 | $ 139,000 | $ 70,000 |
| Anderson County Kentucky | 27 | $ 3,317,000 | $ 122,000 | $ 68,000 |
| Franklin County Ohio | 26 | $ 4,714,000 | $ 181,000 | $ 136,000 |
| Franklin County Indiana | 22 | $ 3,461,000 | $ 157,000 | $ 126,000 |
| Mercer County Kentucky | 21 | $ 2,964,000 | $ 141,000 | $ 86,000 |
| Garrard County Kentucky | 20 | $ 2,676,000 | $ 133,000 | $ 80,000 |
| Gallatin County Kentucky | 18 | $ 2,126,000 | $ 118,000 | $ 86,000 |
| Greene County Ohio | 17 | $ 1,951,000 | $ 114,000 | $ 85,000 |
| Bourbon County Kentucky | 16 | $ 2,580,000 | $ 161,000 | $ 85,000 |
| Boyle County Kentucky | 15 | $ 2,080,000 | $ 138,000 | $ 69,000 |
| Clinton County Ohio | 15 | $ 1,571,000 | $ 104,000 | $ 76,000 |
| Pulaski County Kentucky | 14 | $ 1,952,000 | $ 139,000 | $ 129,000 |
| Owen County Kentucky | 12 | $ 1,329,000 | $ 110,000 | $ 88,000 |
| Harrison County Kentucky | 11 | $ 1,482,000 | $ 134,000 | $ 119,000 |
| Oldham County Kentucky | 10 | $ 2,317,000 | $ 231,000 | $ 104,000 |
| Montgomery County Kentucky | 8 | $ 899,000 | $ 112,000 | $ 79,000 |
| Highland County Ohio | 8 | $ 950,000 | $ 118,000 | $ 64,000 |
| Shelby County Kentucky | 7 | $ 884,000 | $ 126,000 | $ 62,000 |
| Delaware County Ohio | 7 | $ 1,516,000 | $ 216,000 | $ 140,000 |
| Preble County Ohio | 7 | $ 881,000 | $ 125,000 | $ 109,000 |
| Ripley County Indiana | 6 | $ 678,000 | $ 113,000 | $ 67,000 |
| Adams County Ohio | 6 | $ 623,000 | $ 103,000 | $ 42,000 |
| Campbell County Tennessee | 6 | $ 1,296,000 | $ 216,000 | $ 287,000 |
| Ohio County Indiana | 5 | $ 802,000 | $ 160,000 | $ 45,000 |
| Bracken County Kentucky | 5 | $ 618,000 | $ 123,000 | $ 71,000 |
| Lincoln County Kentucky | 5 | $ 566,000 | $ 113,000 | $ 88,000 |
| Powell County Kentucky | 4 | $ 506,000 | $ 126,000 | $ 77,000 |
| Logan County Ohio | 4 | $ 1,123,000 | $ 280,000 | $ 167,000 |
| Laurel County Kentucky | 3 | $ 229,000 | $ 76,000 | $ 74,000 |
| Wayne County Kentucky | 3 | $ 411,000 | $ 137,000 | $ 115,000 |
| Miami County Ohio | 3 | $ 414,000 | $ 138,000 | $ 85,000 |
| Lee County Florida | 2 | $ 339,000 | $ 169,000 | $ 68,000 |
| Polk County Florida | 2 | $ 134,000 | $ 67,000 | $ 33,000 |
| Brown County Indiana | 2 | $ 265,000 | $ 132,000 | $ 42,000 |
| Marion County Indiana | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Monroe County Indiana | 2 | $ 307,000 | $ 153,000 | $ 93,000 |
| Estill County Kentucky | 2 | $ 213,000 | $ 106,000 | $ 86,000 |
| Henry County Kentucky | 2 | $ 345,000 | $ 172,000 | $ 98,000 |
| Russell County Kentucky | 2 | $ 278,000 | $ 139,000 | $ 180,000 |
| Fairfield County Ohio | 2 | $ 405,000 | $ 202,000 | $ 25,000 |
| Lake County Ohio | 2 | $ 164,000 | $ 82,000 | $ 66,000 |
| Licking County Ohio | 2 | $ 299,000 | $ 149,000 | $ 115,000 |
| Madison County Ohio | 2 | $ 583,000 | $ 291,000 | $ 78,000 |
| Medina County Ohio | 2 | $ 456,000 | $ 228,000 | $ 127,000 |
| Union County Tennessee | 2 | $ 595,000 | $ 297,000 | $ 105,000 |
| San Diego County California | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Park County Colorado | 1 | $ 283,000 | $ 283,000 | $ 255,000 |
| Escambia County Florida | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| Hernando County Florida | 1 | $ 121,000 | $ 121,000 | $ 36,000 |
| Indian River County Florida | 1 | $ 117,000 | $ 117,000 | $ 284,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Columbia County Georgia | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Gwinnett County Georgia | 1 | $ 249,000 | $ 249,000 | $ 143,000 |
| Cook County Illinois | 1 | $ 966,000 | $ 966,000 | $ 200,000 |
| Clark County Indiana | 1 | $ 283,000 | $ 283,000 | $ 102,000 |
| Decatur County Indiana | 1 | $ 259,000 | $ 259,000 | $ 166,000 |
| Hamilton County Indiana | 1 | $ 197,000 | $ 197,000 | $ 68,000 |
| Harrison County Indiana | 1 | $ 78,000 | $ 78,000 | $ 61,000 |
| Hendricks County Indiana | 1 | $ 322,000 | $ 322,000 | $ 162,000 |
| Johnson County Indiana | 1 | $ 153,000 | $ 153,000 | $ 61,000 |
| Lake County Indiana | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Switzerland County Indiana | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Tippecanoe County Indiana | 1 | $ 106,000 | $ 106,000 | $ 98,000 |
| Breathitt County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Bullitt County Kentucky | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Casey County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Christian County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Floyd County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Hardin County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Marshall County Kentucky | 1 | $ 161,000 | $ 161,000 | $ 75,000 |
| Mason County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Nicholas County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Perry County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 185,000 |
| Spencer County Kentucky | 1 | $ 139,000 | $ 139,000 | $ 109,000 |
| Trigg County Kentucky | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Washington County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 37,000 |
| Wolfe County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Antrim County Michigan | 1 | $ 263,000 | $ 263,000 | $ 320,000 |
| Wayne County Michigan | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Iredell County North Carolina | 1 | $ 253,000 | $ 253,000 | $ 419,000 |
| Athens County Ohio | 1 | $ 167,000 | $ 167,000 | $ 117,000 |
| Auglaize County Ohio | 1 | $ 77,000 | $ 77,000 | $ 105,000 |
| Fayette County Ohio | 1 | $ 71,000 | $ 71,000 | $ 66,000 |
| Geauga County Ohio | 1 | $ 137,000 | $ 137,000 | $ 84,000 |
| Knox County Ohio | 1 | $ 361,000 | $ 361,000 | $ 210,000 |
| Lorain County Ohio | 1 | $ 263,000 | $ 263,000 | $ 60,000 |
| Lucas County Ohio | 1 | $ 137,000 | $ 137,000 | $ 200,000 |
| Mercer County Ohio | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Ottawa County Ohio | 1 | $ 320,000 | $ 320,000 | $ 205,000 |
| Pike County Ohio | 1 | $ 154,000 | $ 154,000 | $ 220,000 |
| Portage County Ohio | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Shelby County Ohio | 1 | $ 132,000 | $ 132,000 | $ 28,000 |
| Washington County Ohio | 1 | $ 120,000 | $ 120,000 | $ 216,000 |
| Erie County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Sumner County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Oneida County 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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