Guardian Savings Bank, A Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Guardian Savings Bank, A Federal Savings Bank 2016 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 | 7,999 |
| Total Mortgage Loan Application Amount | $1,398,415,000 |
| Average Mortgage Loan Application Amount | $173,666 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $99,333 |
| Highest Applicant Income | $2,842,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,946 | $ 339,030,000 | $ 174,000 | $ 102,000 |
| Fayette County Kentucky | 1,041 | $ 181,333,000 | $ 174,000 | $ 95,000 |
| Kenton County Kentucky | 1,001 | $ 171,876,000 | $ 171,000 | $ 99,000 |
| Boone County Kentucky | 699 | $ 123,655,000 | $ 176,000 | $ 101,000 |
| Clermont County Ohio | 672 | $ 109,973,000 | $ 163,000 | $ 92,000 |
| Butler County Ohio | 658 | $ 115,821,000 | $ 176,000 | $ 103,000 |
| Campbell County Kentucky | 506 | $ 85,743,000 | $ 169,000 | $ 94,000 |
| Warren County Ohio | 400 | $ 81,859,000 | $ 204,000 | $ 125,000 |
| Jessamine County Kentucky | 152 | $ 30,494,000 | $ 200,000 | $ 102,000 |
| Scott County Kentucky | 120 | $ 21,538,000 | $ 179,000 | $ 95,000 |
| Dearborn County Indiana | 91 | $ 15,741,000 | $ 172,000 | $ 88,000 |
| Madison County Kentucky | 91 | $ 15,743,000 | $ 173,000 | $ 89,000 |
| Franklin County Kentucky | 52 | $ 8,947,000 | $ 172,000 | $ 88,000 |
| Brown County Ohio | 52 | $ 7,202,000 | $ 138,000 | $ 87,000 |
| Woodford County Kentucky | 51 | $ 9,423,000 | $ 184,000 | $ 85,000 |
| Grant County Kentucky | 43 | $ 7,156,000 | $ 166,000 | $ 90,000 |
| Clark County Kentucky | 40 | $ 6,800,000 | $ 170,000 | $ 86,000 |
| Jefferson County Kentucky | 38 | $ 7,059,000 | $ 185,000 | $ 100,000 |
| Montgomery County Ohio | 25 | $ 5,572,000 | $ 222,000 | $ 126,000 |
| Garrard County Kentucky | 19 | $ 3,058,000 | $ 160,000 | $ 82,000 |
| Franklin County Ohio | 17 | $ 3,287,000 | $ 193,000 | $ 119,000 |
| Bourbon County Kentucky | 16 | $ 2,117,000 | $ 132,000 | $ 84,000 |
| Anderson County Kentucky | 15 | $ 1,838,000 | $ 122,000 | $ 73,000 |
| Boyle County Kentucky | 15 | $ 2,242,000 | $ 149,000 | $ 120,000 |
| Pulaski County Kentucky | 15 | $ 1,448,000 | $ 96,000 | $ 97,000 |
| Montgomery County Kentucky | 14 | $ 2,076,000 | $ 148,000 | $ 97,000 |
| Franklin County Indiana | 12 | $ 1,840,000 | $ 153,000 | $ 89,000 |
| Pendleton County Kentucky | 12 | $ 1,496,000 | $ 124,000 | $ 130,000 |
| Owen County Kentucky | 11 | $ 1,400,000 | $ 127,000 | $ 77,000 |
| Ripley County Indiana | 9 | $ 1,544,000 | $ 171,000 | $ 101,000 |
| Gallatin County Kentucky | 9 | $ 1,635,000 | $ 181,000 | $ 94,000 |
| Harrison County Kentucky | 9 | $ 1,746,000 | $ 194,000 | $ 108,000 |
| Shelby County Kentucky | 9 | $ 1,463,000 | $ 162,000 | $ 75,000 |
| Greene County Ohio | 9 | $ 1,457,000 | $ 161,000 | $ 97,000 |
| Mercer County Kentucky | 8 | $ 1,113,000 | $ 139,000 | $ 70,000 |
| Clinton County Ohio | 8 | $ 1,279,000 | $ 159,000 | $ 78,000 |
| Delaware County Ohio | 8 | $ 2,119,000 | $ 264,000 | $ 137,000 |
| Lincoln County Kentucky | 6 | $ 745,000 | $ 124,000 | $ 66,000 |
| Highland County Ohio | 5 | $ 714,000 | $ 142,000 | $ 87,000 |
| Marion County Indiana | 4 | $ 984,000 | $ 246,000 | $ 152,000 |
| Bracken County Kentucky | 4 | $ 667,000 | $ 166,000 | $ 341,000 |
| Laurel County Kentucky | 4 | $ 464,000 | $ 116,000 | $ 69,000 |
| Miami County Ohio | 4 | $ 423,000 | $ 105,000 | $ 76,000 |
| Switzerland County Indiana | 3 | $ 493,000 | $ 164,000 | $ 70,000 |
| Bullitt County Kentucky | 3 | $ 815,000 | $ 271,000 | $ 142,000 |
| Henry County Kentucky | 3 | $ 345,000 | $ 115,000 | $ 113,000 |
| Nicholas County Kentucky | 3 | $ 244,000 | $ 81,000 | $ 70,000 |
| Oldham County Kentucky | 3 | $ 747,000 | $ 249,000 | $ 132,000 |
| Wayne County Kentucky | 3 | $ 360,000 | $ 120,000 | $ 109,000 |
| Adams County Ohio | 3 | $ 298,000 | $ 99,000 | $ 69,000 |
| Preble County Ohio | 3 | $ 337,000 | $ 112,000 | $ 101,000 |
| Hamilton County Indiana | 2 | $ 277,000 | $ 138,000 | $ 106,000 |
| Ohio County Indiana | 2 | $ 317,000 | $ 158,000 | $ 107,000 |
| Russell County Kentucky | 2 | $ 189,000 | $ 94,000 | $ 47,000 |
| Washington County Kentucky | 2 | $ 447,000 | $ 223,000 | $ 175,000 |
| Whitley County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 71,000 |
| Hancock County Ohio | 2 | $ 834,000 | $ 417,000 | $ 309,000 |
| Licking County Ohio | 2 | $ 419,000 | $ 209,000 | $ 123,000 |
| Los Angeles County California | 1 | $ 2,547,000 | $ 2,547,000 | $ 2,842,000 |
| Broward County Florida | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Hillsborough County Florida | 1 | $ 116,000 | $ 116,000 | $ 179,000 |
| Lee County Florida | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Palm Beach County Florida | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Pinellas County Florida | 1 | $ 485,000 | $ 485,000 | $ 189,000 |
| Sarasota County Florida | 1 | $ 228,000 | $ 228,000 | $ 456,000 |
| Walton County Florida | 1 | $ 390,000 | $ 390,000 | $ 250,000 |
| Allen County Indiana | 1 | $ 141,000 | $ 141,000 | $ 51,000 |
| Clark County Indiana | 1 | $ 120,000 | $ 120,000 | $ 148,000 |
| Clinton County Indiana | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Decatur County Indiana | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Monroe County Indiana | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Union County Indiana | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Vanderburgh County Indiana | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Carter County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 73,000 |
| Estill County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Marion County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Mason County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Nelson County Kentucky | 1 | $ 258,000 | $ 258,000 | $ 66,000 |
| Powell County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 90,000 |
| Rowan County Kentucky | 1 | $ 122,000 | $ 122,000 | $ 61,000 |
| Spencer County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Taylor County Kentucky | 1 | $ 158,000 | $ 158,000 | $ 34,000 |
| Warren County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| East Baton Rouge County Louisiana | 1 | $ 290,000 | $ 290,000 | $ 116,000 |
| Alcona County Michigan | 1 | $ 96,000 | $ 96,000 | $ 19,000 |
| Leelanau County Michigan | 1 | $ 364,000 | $ 364,000 | $ 46,000 |
| Ontonagon County Michigan | 1 | $ 99,000 | $ 99,000 | $ 90,000 |
| Allen County Ohio | 1 | $ 252,000 | $ 252,000 | $ 174,000 |
| Jackson County Ohio | 1 | $ 146,000 | $ 146,000 | $ 85,000 |
| Knox County Ohio | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Lucas County Ohio | 1 | $ 152,000 | $ 152,000 | $ 273,000 |
| Mercer County Ohio | 1 | $ 103,000 | $ 103,000 | $ 57,000 |
| Ross County Ohio | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Summit County Ohio | 1 | $ 182,000 | $ 182,000 | $ 49,000 |
| Cleveland County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Campbell County Tennessee | 1 | $ 343,000 | $ 343,000 | $ 92,000 |
| Jefferson County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 234,000 |
| Harris County Texas | 1 | $ 127,000 | $ 127,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2016
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 | 4,619 | $795,628,000 | $172,000 | $2,547,000 | $103,000 | $2,842,000 |
| Home Purchase | 2,801 | $504,672,000 | $180,000 | $3,100,000 | $96,000 | $1,327,000 |
| Home Improvement | 579 | $98,115,000 | $169,000 | $2,543,000 | $99,000 | $504,000 |
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 | 7,094 | $1,229,022,000 | $173,000 | $2,547,000 | $102,000 | $2,842,000 |
| Not Provided | 260 | $46,108,000 | $177,000 | $577,000 | $126,000 | $1,174,000 |
| Asian | 258 | $47,901,000 | $185,000 | $574,000 | $111,000 | $679,000 |
| Not applicable | 167 | $44,393,000 | $265,000 | $3,100,000 | $0 | $0 |
| Black or African American | 137 | $17,717,000 | $129,000 | $375,000 | $76,000 | $214,000 |
| Hispanic | 69 | $11,026,000 | $159,000 | $536,000 | $87,000 | $346,000 |
| American Indian or Alaskan Native | 8 | $1,347,000 | $168,000 | $300,000 | $124,000 | $430,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $901,000 | $150,000 | $213,000 | $126,000 | $389,000 |
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) | 7,392 | $1,310,050,000 | $177,000 | $3,100,000 | $103,000 | $2,842,000 |
| FHA-insured (Federal Housing Administration) | 477 | $67,172,000 | $140,000 | $336,000 | $61,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $9,738,000 | $143,000 | $226,000 | $53,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 62 | $11,455,000 | $184,000 | $450,000 | $70,000 | $198,000 |
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 | 5,714 | $1,004,346,000 | $175,000 | $3,100,000 | $103,000 | $2,842,000 |
| Application Denied By Financial Institution | 1,610 | $278,399,000 | $172,000 | $2,533,000 | $88,000 | $1,183,000 |
| Application Withdrawn By Applicant | 559 | $95,333,000 | $170,000 | $824,000 | $101,000 | $1,148,000 |
| Application Approved But Not Accepted | 108 | $19,025,000 | $176,000 | $556,000 | $100,000 | $316,000 |
| Loan Purchased By The Institution | 8 | $1,312,000 | $164,000 | $261,000 | $71,000 | $133,000 |
| 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 | 479 | $83,114,000 | $173,000 | $868,000 | $59,000 | $291,000 |
| Credit History | 367 | $57,821,000 | $157,000 | $859,000 | $91,000 | $662,000 |
| Collateral | 325 | $61,584,000 | $189,000 | $860,000 | $112,000 | $755,000 |
| Credit Application Incomplete | 306 | $57,948,000 | $189,000 | $2,533,000 | $113,000 | $1,183,000 |
| Other | 67 | $8,619,000 | $128,000 | $382,000 | $78,000 | $456,000 |
| Employment History | 44 | $6,138,000 | $139,000 | $314,000 | $69,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,929,000 | $175,000 | $322,000 | $93,000 | $252,000 |
| Unverifiable Information | 11 | $1,246,000 | $113,000 | $226,000 | $61,000 | $119,000 |
| 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 2016 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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