Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 8,102 mortgage applications totaling $1.3 billion, up 28% from 2014. The average application was for $165,792, and applicants reported an average income of $96,013. 73% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati, OH-KY-IN (6,359), Lexington-Fayette, KY (1,240) and Dayton, OH (56) (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 | 8,102 |
| Total Mortgage Loan Application Amount | $1,343,247,000 |
| Average Mortgage Loan Application Amount | $165,792 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $96,013 |
| Highest Applicant Income | $2,487,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,160 | $ 354,551,000 | $ 164,143 | $ 98,000 |
| Kenton, Kentucky | 1,065 | $ 164,101,000 | $ 154,085 | $ 93,000 |
| Fayette, Kentucky | 882 | $ 147,574,000 | $ 167,317 | $ 94,000 |
| Boone, Kentucky | 750 | $ 121,028,000 | $ 161,370 | $ 90,000 |
| Clermont, Ohio | 724 | $ 116,901,000 | $ 161,465 | $ 94,000 |
| Butler, Ohio | 590 | $ 102,888,000 | $ 174,386 | $ 98,000 |
| Campbell, Kentucky | 518 | $ 81,166,000 | $ 156,691 | $ 90,000 |
| Warren, Ohio | 342 | $ 68,862,000 | $ 201,350 | $ 125,000 |
| Jessamine, Kentucky | 153 | $ 27,149,000 | $ 177,444 | $ 117,000 |
| Scott, Kentucky | 106 | $ 19,305,000 | $ 182,122 | $ 92,000 |
| Dearborn, Indiana | 87 | $ 14,779,000 | $ 169,873 | $ 88,000 |
| Madison, Kentucky | 81 | $ 14,770,000 | $ 182,345 | $ 95,000 |
| Franklin, Kentucky | 62 | $ 9,855,000 | $ 158,951 | $ 96,000 |
| Woodford, Kentucky | 56 | $ 9,112,000 | $ 162,714 | $ 87,000 |
| Brown, Ohio | 50 | $ 6,626,000 | $ 132,520 | $ 77,000 |
| Montgomery, Ohio | 39 | $ 7,889,000 | $ 202,282 | $ 86,000 |
| Grant, Kentucky | 37 | $ 5,661,000 | $ 153,000 | $ 85,000 |
| Clark, Kentucky | 33 | $ 4,977,000 | $ 150,818 | $ 81,000 |
| Jefferson, Kentucky | 30 | $ 4,900,000 | $ 163,333 | $ 76,000 |
| Anderson, Kentucky | 24 | $ 3,777,000 | $ 157,375 | $ 80,000 |
| Pendleton, Kentucky | 24 | $ 3,097,000 | $ 129,041 | $ 69,000 |
| Franklin, Indiana | 19 | $ 2,452,000 | $ 129,052 | $ 80,000 |
| Franklin, Ohio | 16 | $ 2,349,000 | $ 146,812 | $ 90,000 |
| Boyle, Kentucky | 15 | $ 2,647,000 | $ 176,466 | $ 102,000 |
| Garrard, Kentucky | 14 | $ 1,943,000 | $ 138,785 | $ 67,000 |
| Mercer, Kentucky | 13 | $ 1,940,000 | $ 149,230 | $ 73,000 |
| Owen, Kentucky | 13 | $ 1,700,000 | $ 130,769 | $ 101,000 |
| Greene, Ohio | 12 | $ 2,115,000 | $ 176,250 | $ 114,000 |
| Bourbon, Kentucky | 10 | $ 1,527,000 | $ 152,700 | $ 67,000 |
| Gallatin, Kentucky | 10 | $ 1,011,000 | $ 101,100 | $ 64,000 |
| Lincoln, Kentucky | 10 | $ 1,414,000 | $ 141,400 | $ 63,000 |
| Ripley, Indiana | 9 | $ 1,836,000 | $ 204,000 | $ 102,000 |
| Harrison, Kentucky | 8 | $ 1,346,000 | $ 168,250 | $ 99,000 |
| Delaware, Ohio | 8 | $ 2,678,000 | $ 334,750 | $ 106,000 |
| Pulaski, Kentucky | 7 | $ 859,000 | $ 122,714 | $ 222,000 |
| Nicholas, Kentucky | 6 | $ 997,000 | $ 166,166 | $ 87,000 |
| Shelby, Kentucky | 6 | $ 1,167,000 | $ 194,500 | $ 93,000 |
| Clinton, Ohio | 6 | $ 592,000 | $ 98,666 | $ 87,000 |
| Campbell, Tennessee | 6 | $ 1,282,000 | $ 213,666 | $ 275,000 |
| Miami, Ohio | 5 | $ 664,000 | $ 132,800 | $ 109,000 |
| Oldham, Kentucky | 4 | $ 838,000 | $ 209,500 | $ 108,000 |
| Highland, Ohio | 4 | $ 820,000 | $ 205,000 | $ 62,000 |
| Palm Beach, Florida | 3 | $ 4,987,000 | $ 1,662,333 | $ 517,000 |
| Fleming, Kentucky | 3 | $ 416,000 | $ 138,666 | $ 41,000 |
| Laurel, Kentucky | 3 | $ 380,000 | $ 126,666 | $ 61,000 |
| Montgomery, Kentucky | 3 | $ 480,000 | $ 160,000 | $ 64,000 |
| Russell, Kentucky | 3 | $ 305,000 | $ 101,666 | $ 83,000 |
| Wayne, Kentucky | 3 | $ 483,000 | $ 161,000 | $ 177,000 |
| Adams, Ohio | 3 | $ 239,000 | $ 79,666 | $ 66,000 |
| Preble, Ohio | 3 | $ 498,000 | $ 166,000 | $ 72,000 |
| Sarasota, Florida | 2 | $ 607,000 | $ 303,500 | $ 396,000 |
| Marion, Indiana | 2 | $ 923,000 | $ 461,500 | $ 429,000 |
| Knox, Kentucky | 2 | $ 238,000 | $ 119,000 | $ 45,000 |
| Rockcastle, Kentucky | 2 | $ 169,000 | $ 84,500 | $ 44,000 |
| Whitley, Kentucky | 2 | $ 165,000 | $ 82,500 | $ 74,000 |
| Fairfield, Ohio | 2 | $ 433,000 | $ 216,500 | $ 116,000 |
| Lawrence, Ohio | 2 | $ 132,000 | $ 66,000 | $ 27,000 |
| Licking, Ohio | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Baldwin, Alabama | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Jackson, Alabama | 1 | $ 680,000 | $ 680,000 | $ 265,000 |
| Mobile, Alabama | 1 | $ 110,000 | $ 110,000 | $ 79,000 |
| Boulder, Colorado | 1 | $ 830,000 | $ 830,000 | $ 709,000 |
| Brevard, Florida | 1 | $ 57,000 | $ 57,000 | $ 48,000 |
| Charlotte, Florida | 1 | $ 367,000 | $ 367,000 | $ 129,000 |
| Collier, Florida | 1 | $ 204,000 | $ 204,000 | $ 48,000 |
| Duval, Florida | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Lee, Florida | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Manatee, Florida | 1 | $ 278,000 | $ 278,000 | $ 200,000 |
| Polk, Florida | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Cobb, Georgia | 1 | $ 185,000 | $ 185,000 | $ 131,000 |
| Allen, Indiana | 1 | $ 190,000 | $ 190,000 | $ 99,000 |
| Delaware, Indiana | 1 | $ 86,000 | $ 86,000 | $ 226,000 |
| Floyd, Indiana | 1 | $ 107,000 | $ 107,000 | $ 54,000 |
| Johnson, Indiana | 1 | $ 349,000 | $ 349,000 | $ 76,000 |
| Ohio, Indiana | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Union, Indiana | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Bullitt, Kentucky | 1 | $ 193,000 | $ 193,000 | $ 111,000 |
| Clay, Kentucky | 1 | $ 108,000 | $ 108,000 | $ 129,000 |
| Cumberland, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 162,000 |
| Estill, Kentucky | 1 | $ 47,000 | $ 47,000 | $ 37,000 |
| Henry, Kentucky | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Lewis, Kentucky | 1 | $ 121,000 | $ 121,000 | $ 99,000 |
| Mason, Kentucky | 1 | $ 408,000 | $ 408,000 | $ 316,000 |
| Menifee, Kentucky | 1 | $ 121,000 | $ 121,000 | $ 309,000 |
| Powell, Kentucky | 1 | $ 168,000 | $ 168,000 | $ 88,000 |
| Spencer, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 46,000 |
| Taylor, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| Warren, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 21,000 |
| Washington, Kentucky | 1 | $ 300,000 | $ 300,000 | $ 139,000 |
| East Baton Rouge, Louisiana | 1 | $ 290,000 | $ 290,000 | $ 104,000 |
| Leelanau, Michigan | 1 | $ 417,000 | $ 417,000 | $ 160,000 |
| Chautauqua, New York | 1 | $ 220,000 | $ 220,000 | $ 155,000 |
| Brunswick, North Carolina | 1 | $ 198,000 | $ 198,000 | $ 196,000 |
| Dare, North Carolina | 1 | $ 384,000 | $ 384,000 | $ 121,000 |
| Mecklenburg, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 244,000 | $ 244,000 | $ 127,000 |
| Fayette, Ohio | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Geauga, Ohio | 1 | $ 395,000 | $ 395,000 | $ 258,000 |
| Hancock, Ohio | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Hocking, Ohio | 1 | $ 300,000 | $ 300,000 | $ 1,224,000 |
| Knox, Ohio | 1 | $ 110,000 | $ 110,000 | $ 55,000 |
| Madison, Ohio | 1 | $ 119,000 | $ 119,000 | $ 25,000 |
| Summit, Ohio | 1 | $ 268,000 | $ 268,000 | $ 130,000 |
| Deschutes, Oregon | 1 | $ 375,000 | $ 375,000 | $ 167,000 |
| Sevier, Tennessee | 1 | $ 49,000 | $ 49,000 | $ 66,000 |
| Wilson, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2015
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 | 4,541 | $721,672,000 | $158,000 | $1,850,000 | $94,000 | $1,147,000 |
| Home Purchase | 3,063 | $535,281,000 | $174,000 | $2,800,000 | $99,000 | $2,487,000 |
| Home Improvement | 498 | $86,294,000 | $173,000 | $3,750,000 | $96,000 | $757,000 |
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 | 7,224 | $1,184,162,000 | $163,000 | $2,800,000 | $98,000 | $2,487,000 |
| Asian | 243 | $46,226,000 | $190,000 | $2,300,000 | $133,000 | $1,349,000 |
| Not Provided | 234 | $37,362,000 | $159,000 | $765,000 | $100,000 | $595,000 |
| Black or African American | 165 | $21,895,000 | $132,000 | $396,000 | $75,000 | $272,000 |
| Not applicable | 154 | $41,677,000 | $270,000 | $3,750,000 | $0 | $0 |
| Hispanic | 70 | $10,277,000 | $146,000 | $417,000 | $99,000 | $552,000 |
| American Indian or Alaskan Native | 9 | $956,000 | $106,000 | $210,000 | $59,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $692,000 | $230,000 | $400,000 | $98,000 | $138,000 |
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) | 7,356 | $1,237,770,000 | $168,000 | $3,750,000 | $100,000 | $2,487,000 |
| FHA-insured (Federal Housing Administration) | 578 | $78,508,000 | $135,000 | $330,000 | $55,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 104 | $18,314,000 | $176,000 | $504,000 | $74,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $8,655,000 | $135,000 | $214,000 | $52,000 | $92,000 |
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 | 5,888 | $989,112,000 | $167,000 | $3,750,000 | $100,000 | $2,487,000 |
| Application Denied By Financial Institution | 1,624 | $254,223,000 | $156,000 | $2,688,000 | $79,000 | $1,147,000 |
| Application Withdrawn By Applicant | 473 | $81,749,000 | $172,000 | $1,996,000 | $101,000 | $508,000 |
| Application Approved But Not Accepted | 110 | $17,384,000 | $158,000 | $417,000 | $119,000 | $2,283,000 |
| Loan Purchased By The Institution | 7 | $779,000 | $111,000 | $218,000 | $92,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 478 | $76,569,000 | $160,000 | $1,040,000 | $57,000 | $371,000 |
| Credit History | 432 | $58,152,000 | $134,000 | $810,000 | $77,000 | $420,000 |
| Collateral | 375 | $65,040,000 | $173,000 | $950,000 | $105,000 | $983,000 |
| Credit Application Incomplete | 204 | $32,774,000 | $160,000 | $680,000 | $88,000 | $1,147,000 |
| Other | 88 | $16,152,000 | $183,000 | $2,688,000 | $80,000 | $497,000 |
| Employment History | 24 | $2,459,000 | $102,000 | $271,000 | $52,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,880,000 | $144,000 | $417,000 | $95,000 | $282,000 |
| Unverifiable Information | 10 | $1,197,000 | $119,000 | $244,000 | $45,000 | $144,000 |
| 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 2015 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About