Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2016
In 2016, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 7,999 mortgage applications totaling $1.4 billion, down 1% from 2015. The average application was for $174,823, and applicants reported an average income of $100,259. 71% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati, OH-KY-IN (6,096), Lexington-Fayette, KY (1,420) and Louisville/Jefferson County, KY-IN (58) (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 | 7,999 |
| Total Mortgage Loan Application Amount | $1,398,415,000 |
| Average Mortgage Loan Application Amount | $174,823 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $100,259 |
| Highest Applicant Income | $2,842,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,946 | $ 339,030,000 | $ 174,218 | $ 102,000 |
| Fayette, Kentucky | 1,041 | $ 181,333,000 | $ 174,191 | $ 95,000 |
| Kenton, Kentucky | 1,001 | $ 171,876,000 | $ 171,704 | $ 99,000 |
| Boone, Kentucky | 699 | $ 123,655,000 | $ 176,902 | $ 101,000 |
| Clermont, Ohio | 672 | $ 109,973,000 | $ 163,650 | $ 92,000 |
| Butler, Ohio | 658 | $ 115,821,000 | $ 176,019 | $ 103,000 |
| Campbell, Kentucky | 506 | $ 85,743,000 | $ 169,452 | $ 94,000 |
| Warren, Ohio | 400 | $ 81,859,000 | $ 204,647 | $ 125,000 |
| Jessamine, Kentucky | 152 | $ 30,494,000 | $ 200,618 | $ 102,000 |
| Scott, Kentucky | 120 | $ 21,538,000 | $ 179,483 | $ 95,000 |
| Dearborn, Indiana | 91 | $ 15,741,000 | $ 172,978 | $ 88,000 |
| Madison, Kentucky | 91 | $ 15,743,000 | $ 173,000 | $ 89,000 |
| Franklin, Kentucky | 52 | $ 8,947,000 | $ 172,057 | $ 88,000 |
| Brown, Ohio | 52 | $ 7,202,000 | $ 138,500 | $ 87,000 |
| Woodford, Kentucky | 51 | $ 9,423,000 | $ 184,764 | $ 85,000 |
| Grant, Kentucky | 43 | $ 7,156,000 | $ 166,418 | $ 90,000 |
| Clark, Kentucky | 40 | $ 6,800,000 | $ 170,000 | $ 86,000 |
| Jefferson, Kentucky | 38 | $ 7,059,000 | $ 185,763 | $ 100,000 |
| Montgomery, Ohio | 25 | $ 5,572,000 | $ 222,880 | $ 126,000 |
| Garrard, Kentucky | 19 | $ 3,058,000 | $ 160,947 | $ 82,000 |
| Franklin, Ohio | 17 | $ 3,287,000 | $ 193,352 | $ 119,000 |
| Bourbon, Kentucky | 16 | $ 2,117,000 | $ 132,312 | $ 84,000 |
| Anderson, Kentucky | 15 | $ 1,838,000 | $ 122,533 | $ 73,000 |
| Boyle, Kentucky | 15 | $ 2,242,000 | $ 149,466 | $ 120,000 |
| Pulaski, Kentucky | 15 | $ 1,448,000 | $ 96,533 | $ 97,000 |
| Montgomery, Kentucky | 14 | $ 2,076,000 | $ 148,285 | $ 97,000 |
| Franklin, Indiana | 12 | $ 1,840,000 | $ 153,333 | $ 89,000 |
| Pendleton, Kentucky | 12 | $ 1,496,000 | $ 124,666 | $ 130,000 |
| Owen, Kentucky | 11 | $ 1,400,000 | $ 127,272 | $ 77,000 |
| Ripley, Indiana | 9 | $ 1,544,000 | $ 171,555 | $ 101,000 |
| Gallatin, Kentucky | 9 | $ 1,635,000 | $ 181,666 | $ 94,000 |
| Harrison, Kentucky | 9 | $ 1,746,000 | $ 194,000 | $ 108,000 |
| Shelby, Kentucky | 9 | $ 1,463,000 | $ 162,555 | $ 75,000 |
| Greene, Ohio | 9 | $ 1,457,000 | $ 161,888 | $ 97,000 |
| Mercer, Kentucky | 8 | $ 1,113,000 | $ 139,125 | $ 70,000 |
| Clinton, Ohio | 8 | $ 1,279,000 | $ 159,875 | $ 78,000 |
| Delaware, Ohio | 8 | $ 2,119,000 | $ 264,875 | $ 137,000 |
| Lincoln, Kentucky | 6 | $ 745,000 | $ 124,166 | $ 66,000 |
| Highland, Ohio | 5 | $ 714,000 | $ 142,800 | $ 87,000 |
| Marion, Indiana | 4 | $ 984,000 | $ 246,000 | $ 152,000 |
| Bracken, Kentucky | 4 | $ 667,000 | $ 166,750 | $ 341,000 |
| Laurel, Kentucky | 4 | $ 464,000 | $ 116,000 | $ 69,000 |
| Miami, Ohio | 4 | $ 423,000 | $ 105,750 | $ 76,000 |
| Switzerland, Indiana | 3 | $ 493,000 | $ 164,333 | $ 70,000 |
| Bullitt, Kentucky | 3 | $ 815,000 | $ 271,666 | $ 142,000 |
| Henry, Kentucky | 3 | $ 345,000 | $ 115,000 | $ 113,000 |
| Nicholas, Kentucky | 3 | $ 244,000 | $ 81,333 | $ 70,000 |
| Oldham, Kentucky | 3 | $ 747,000 | $ 249,000 | $ 132,000 |
| Wayne, Kentucky | 3 | $ 360,000 | $ 120,000 | $ 109,000 |
| Adams, Ohio | 3 | $ 298,000 | $ 99,333 | $ 69,000 |
| Preble, Ohio | 3 | $ 337,000 | $ 112,333 | $ 101,000 |
| Hamilton, Indiana | 2 | $ 277,000 | $ 138,500 | $ 106,000 |
| Ohio, Indiana | 2 | $ 317,000 | $ 158,500 | $ 107,000 |
| Russell, Kentucky | 2 | $ 189,000 | $ 94,500 | $ 47,000 |
| Washington, Kentucky | 2 | $ 447,000 | $ 223,500 | $ 175,000 |
| Whitley, Kentucky | 2 | $ 161,000 | $ 80,500 | $ 71,000 |
| Hancock, Ohio | 2 | $ 834,000 | $ 417,000 | $ 309,000 |
| Licking, Ohio | 2 | $ 419,000 | $ 209,500 | $ 123,000 |
| Los Angeles, California | 1 | $ 2,547,000 | $ 2,547,000 | $ 2,842,000 |
| Broward, Florida | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Hillsborough, Florida | 1 | $ 116,000 | $ 116,000 | $ 179,000 |
| Lee, Florida | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Palm Beach, Florida | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Pinellas, Florida | 1 | $ 485,000 | $ 485,000 | $ 189,000 |
| Sarasota, Florida | 1 | $ 228,000 | $ 228,000 | $ 456,000 |
| Walton, Florida | 1 | $ 390,000 | $ 390,000 | $ 250,000 |
| Allen, Indiana | 1 | $ 141,000 | $ 141,000 | $ 51,000 |
| Clark, Indiana | 1 | $ 120,000 | $ 120,000 | $ 148,000 |
| Clinton, Indiana | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Decatur, Indiana | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Monroe, Indiana | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Union, Indiana | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Vanderburgh, Indiana | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Carter, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 73,000 |
| Estill, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Marion, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Mason, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Nelson, Kentucky | 1 | $ 258,000 | $ 258,000 | $ 66,000 |
| Powell, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 90,000 |
| Rowan, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 61,000 |
| Spencer, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Taylor, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 34,000 |
| Warren, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| East Baton Rouge, Louisiana | 1 | $ 290,000 | $ 290,000 | $ 116,000 |
| Alcona, Michigan | 1 | $ 96,000 | $ 96,000 | $ 19,000 |
| Leelanau, Michigan | 1 | $ 364,000 | $ 364,000 | $ 46,000 |
| Ontonagon, Michigan | 1 | $ 99,000 | $ 99,000 | $ 90,000 |
| Allen, Ohio | 1 | $ 252,000 | $ 252,000 | $ 174,000 |
| Jackson, Ohio | 1 | $ 146,000 | $ 146,000 | $ 85,000 |
| Knox, Ohio | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Lucas, Ohio | 1 | $ 152,000 | $ 152,000 | $ 273,000 |
| Mercer, Ohio | 1 | $ 103,000 | $ 103,000 | $ 57,000 |
| Ross, Ohio | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Summit, Ohio | 1 | $ 182,000 | $ 182,000 | $ 49,000 |
| Cleveland, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Campbell, Tennessee | 1 | $ 343,000 | $ 343,000 | $ 92,000 |
| Jefferson, Tennessee | 1 | $ 214,000 | $ 214,000 | $ 234,000 |
| Harris, 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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