Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2014
In 2014, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 6,352 mortgage applications totaling $984.5 million, down 43% from 2013. The average application was for $154,987, and applicants reported an average income of $89,281. 74% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati, OH-KY-IN (5,072), Lexington-Fayette, KY (899) and Louisville/Jefferson County, KY-IN (40) (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 | 6,352 |
| Total Mortgage Loan Application Amount | $984,481,000 |
| Average Mortgage Loan Application Amount | $154,987 |
| Highest Mortgage Loan Application Amount | $4,240,000 |
| Average Applicant Income | $89,281 |
| Highest Applicant Income | $2,575,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,816 | $ 266,316,000 | $ 146,649 | $ 86,000 |
| Kenton, Kentucky | 847 | $ 127,644,000 | $ 150,701 | $ 92,000 |
| Fayette, Kentucky | 664 | $ 99,156,000 | $ 149,331 | $ 86,000 |
| Clermont, Ohio | 576 | $ 86,318,000 | $ 149,857 | $ 84,000 |
| Boone, Kentucky | 538 | $ 85,786,000 | $ 159,453 | $ 88,000 |
| Butler, Ohio | 496 | $ 81,199,000 | $ 163,707 | $ 85,000 |
| Campbell, Kentucky | 368 | $ 52,956,000 | $ 143,902 | $ 88,000 |
| Warren, Ohio | 279 | $ 55,179,000 | $ 197,774 | $ 120,000 |
| Jessamine, Kentucky | 87 | $ 15,533,000 | $ 178,540 | $ 94,000 |
| Scott, Kentucky | 67 | $ 12,319,000 | $ 183,865 | $ 87,000 |
| Madison, Kentucky | 52 | $ 9,042,000 | $ 173,884 | $ 105,000 |
| Woodford, Kentucky | 47 | $ 7,106,000 | $ 151,191 | $ 82,000 |
| Brown, Ohio | 46 | $ 5,524,000 | $ 120,086 | $ 83,000 |
| Dearborn, Indiana | 44 | $ 7,319,000 | $ 166,340 | $ 79,000 |
| Grant, Kentucky | 34 | $ 4,545,000 | $ 133,676 | $ 73,000 |
| Franklin, Kentucky | 32 | $ 4,619,000 | $ 144,343 | $ 79,000 |
| Jefferson, Kentucky | 29 | $ 5,196,000 | $ 179,172 | $ 92,000 |
| Franklin, Ohio | 23 | $ 3,948,000 | $ 171,652 | $ 93,000 |
| Montgomery, Ohio | 22 | $ 10,984,000 | $ 499,272 | $ 81,000 |
| Clark, Kentucky | 18 | $ 2,391,000 | $ 132,833 | $ 72,000 |
| Anderson, Kentucky | 16 | $ 1,791,000 | $ 111,937 | $ 59,000 |
| Bourbon, Kentucky | 16 | $ 2,329,000 | $ 145,562 | $ 76,000 |
| Pendleton, Kentucky | 16 | $ 1,754,000 | $ 109,625 | $ 84,000 |
| Garrard, Kentucky | 14 | $ 1,785,000 | $ 127,500 | $ 59,000 |
| Boyle, Kentucky | 12 | $ 1,337,000 | $ 111,416 | $ 61,000 |
| Franklin, Indiana | 10 | $ 1,875,000 | $ 187,500 | $ 89,000 |
| Mercer, Kentucky | 10 | $ 1,183,000 | $ 118,300 | $ 63,000 |
| Gallatin, Kentucky | 9 | $ 1,254,000 | $ 139,333 | $ 54,000 |
| Owen, Kentucky | 8 | $ 1,270,000 | $ 158,750 | $ 106,000 |
| Pulaski, Kentucky | 8 | $ 731,000 | $ 91,375 | $ 109,000 |
| Ripley, Indiana | 7 | $ 947,000 | $ 135,285 | $ 86,000 |
| Montgomery, Kentucky | 7 | $ 1,036,000 | $ 148,000 | $ 92,000 |
| Adams, Ohio | 7 | $ 582,000 | $ 83,142 | $ 69,000 |
| Clinton, Ohio | 7 | $ 650,000 | $ 92,857 | $ 42,000 |
| Preble, Ohio | 7 | $ 1,180,000 | $ 168,571 | $ 83,000 |
| Harrison, Kentucky | 6 | $ 913,000 | $ 152,166 | $ 46,000 |
| Delaware, Ohio | 5 | $ 1,165,000 | $ 233,000 | $ 104,000 |
| Oldham, Kentucky | 4 | $ 871,000 | $ 217,750 | $ 145,000 |
| Campbell, Tennessee | 4 | $ 843,000 | $ 210,750 | $ 469,000 |
| Ohio, Indiana | 3 | $ 613,000 | $ 204,333 | $ 47,000 |
| Shelby, Kentucky | 3 | $ 917,000 | $ 305,666 | $ 116,000 |
| Greene, Ohio | 3 | $ 634,000 | $ 211,333 | $ 65,000 |
| Logan, Ohio | 3 | $ 809,000 | $ 269,666 | $ 125,000 |
| Palm Beach, Florida | 2 | $ 287,000 | $ 143,500 | $ 83,000 |
| Volusia, Florida | 2 | $ 324,000 | $ 162,000 | $ 80,000 |
| Johnson, Indiana | 2 | $ 435,000 | $ 217,500 | $ 78,000 |
| Marion, Indiana | 2 | $ 207,000 | $ 103,500 | $ 115,000 |
| Monroe, Indiana | 2 | $ 135,000 | $ 67,500 | $ 93,000 |
| Bullitt, Kentucky | 2 | $ 477,000 | $ 238,500 | $ 74,000 |
| Knox, Kentucky | 2 | $ 372,000 | $ 186,000 | $ 164,000 |
| Laurel, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 101,000 |
| Menifee, Kentucky | 2 | $ 245,000 | $ 122,500 | $ 173,000 |
| Powell, Kentucky | 2 | $ 191,000 | $ 95,500 | $ 89,000 |
| Wayne, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 164,000 |
| Fairfield, Ohio | 2 | $ 302,000 | $ 151,000 | $ 118,000 |
| Highland, Ohio | 2 | $ 238,000 | $ 119,000 | $ 52,000 |
| Madison, Ohio | 2 | $ 347,000 | $ 173,500 | $ 128,000 |
| Miami, Ohio | 2 | $ 122,000 | $ 61,000 | $ 70,000 |
| Bucks, Pennsylvania | 2 | $ 553,000 | $ 276,500 | $ 194,000 |
| San Diego, California | 1 | $ 400,000 | $ 400,000 | $ 180,000 |
| Broward, Florida | 1 | $ 192,000 | $ 192,000 | $ 289,000 |
| Collier, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,575,000 |
| Lee, Florida | 1 | $ 416,000 | $ 416,000 | $ 350,000 |
| Manatee, Florida | 1 | $ 205,000 | $ 205,000 | $ 318,000 |
| Marion, Florida | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Miami-Dade, Florida | 1 | $ 210,000 | $ 210,000 | $ 134,000 |
| Orange, Florida | 1 | $ 87,000 | $ 87,000 | $ 111,000 |
| Seminole, Florida | 1 | $ 280,000 | $ 280,000 | $ 169,000 |
| Sumter, Florida | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Henry, Georgia | 1 | $ 56,000 | $ 56,000 | $ 90,000 |
| Cook, Illinois | 1 | $ 179,000 | $ 179,000 | $ 120,000 |
| Allen, Indiana | 1 | $ 161,000 | $ 161,000 | $ 99,000 |
| Brown, Indiana | 1 | $ 232,000 | $ 232,000 | $ 188,000 |
| Clark, Indiana | 1 | $ 210,000 | $ 210,000 | $ 124,000 |
| Jefferson, Indiana | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Jennings, Indiana | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Kosciusko, Indiana | 1 | $ 87,000 | $ 87,000 | $ 62,000 |
| Wabash, Indiana | 1 | $ 234,000 | $ 234,000 | $ 92,000 |
| Bath, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Caldwell, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 122,000 |
| Hardin, Kentucky | 1 | $ 228,000 | $ 228,000 | $ 192,000 |
| Harlan, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 81,000 |
| Henry, Kentucky | 1 | $ 126,000 | $ 126,000 | $ 46,000 |
| Lincoln, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 159,000 |
| Nelson, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 62,000 |
| Nicholas, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 69,000 |
| Russell, Kentucky | 1 | $ 86,000 | $ 86,000 | $ 79,000 |
| Taylor, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Whitley, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Mason, Michigan | 1 | $ 240,000 | $ 240,000 | $ 339,000 |
| Van Buren, Michigan | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 251,000 | $ 251,000 | $ 218,000 |
| Wake, North Carolina | 1 | $ 331,000 | $ 331,000 | $ 117,000 |
| Clark, Ohio | 1 | $ 97,000 | $ 97,000 | $ 116,000 |
| Cuyahoga, Ohio | 1 | $ 237,000 | $ 237,000 | $ 182,000 |
| Licking, Ohio | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Marion, Ohio | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Ottawa, Ohio | 1 | $ 316,000 | $ 316,000 | $ 211,000 |
| Wayne, Ohio | 1 | $ 196,000 | $ 196,000 | $ 52,000 |
| Newport, Rhode Island | 1 | $ 291,000 | $ 291,000 | $ 339,000 |
| Charleston, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 121,000 |
| Horry, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Claiborne, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Knox, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Pickett, Tennessee | 1 | $ 124,000 | $ 124,000 | $ 97,000 |
| Sumner, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Travis, Texas | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Fairfax, Virginia | 1 | $ 445,000 | $ 445,000 | $ 235,000 |
| Putnam, West Virginia | 1 | $ 214,000 | $ 214,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2014
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 | 3,293 | $487,290,000 | $147,000 | $2,480,000 | $85,000 | $2,282,000 |
| Home Purchase | 2,723 | $444,950,000 | $163,000 | $3,600,000 | $94,000 | $2,575,000 |
| Home Improvement | 336 | $52,241,000 | $155,000 | $4,240,000 | $93,000 | $481,000 |
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 | 5,567 | $849,759,000 | $152,000 | $1,811,000 | $92,000 | $2,575,000 |
| Black or African American | 206 | $25,599,000 | $124,000 | $418,000 | $69,000 | $486,000 |
| Not Provided | 189 | $26,929,000 | $142,000 | $440,000 | $89,000 | $281,000 |
| Asian | 176 | $32,496,000 | $184,000 | $905,000 | $109,000 | $1,004,000 |
| Not applicable | 139 | $38,517,000 | $277,000 | $4,240,000 | $0 | $0 |
| Hispanic | 59 | $8,777,000 | $148,000 | $570,000 | $89,000 | $481,000 |
| American Indian or Alaskan Native | 13 | $1,839,000 | $141,000 | $260,000 | $68,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $565,000 | $188,000 | $260,000 | $95,000 | $136,000 |
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) | 5,824 | $913,114,000 | $156,000 | $4,240,000 | $92,000 | $2,575,000 |
| FHA-insured (Federal Housing Administration) | 414 | $52,216,000 | $126,000 | $337,000 | $57,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 99 | $17,024,000 | $171,000 | $445,000 | $74,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,127,000 | $141,000 | $268,000 | $54,000 | $103,000 |
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 | 4,670 | $737,579,000 | $157,000 | $4,240,000 | $93,000 | $2,575,000 |
| Application Denied By Financial Institution | 1,234 | $176,640,000 | $143,000 | $1,600,000 | $74,000 | $816,000 |
| Application Withdrawn By Applicant | 331 | $54,096,000 | $163,000 | $878,000 | $102,000 | $2,282,000 |
| Application Approved But Not Accepted | 102 | $13,893,000 | $136,000 | $425,000 | $77,000 | $322,000 |
| Loan Purchased By The Institution | 15 | $2,273,000 | $151,000 | $372,000 | $51,000 | $205,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 368 | $48,644,000 | $132,000 | $542,000 | $70,000 | $275,000 |
| Collateral | 325 | $47,572,000 | $146,000 | $1,600,000 | $88,000 | $422,000 |
| Debt-To-Income Ratio | 264 | $42,182,000 | $159,000 | $765,000 | $56,000 | $339,000 |
| Credit Application Incomplete | 205 | $30,178,000 | $147,000 | $550,000 | $84,000 | $372,000 |
| Other | 48 | $5,408,000 | $112,000 | $418,000 | $90,000 | $816,000 |
| Employment History | 14 | $1,476,000 | $105,000 | $256,000 | $48,000 | $118,000 |
| Unverifiable Information | 9 | $1,012,000 | $112,000 | $236,000 | $52,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $168,000 | $168,000 | $168,000 | $86,000 | $86,000 |
| 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 2014 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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