Guardian Savings Bank, A Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Guardian Savings Bank, A Federal Savings Bank 2017 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 | 5,296 |
| Total Mortgage Loan Application Amount | $974,191,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $1,970,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,729,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| 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 | 1,503 | $ 255,938,000 | $ 170,000 | $ 94,000 |
| Kenton County Kentucky | 634 | $ 105,607,000 | $ 166,000 | $ 97,000 |
| Fayette County Kentucky | 494 | $ 92,697,000 | $ 187,000 | $ 109,000 |
| Boone County Kentucky | 456 | $ 81,958,000 | $ 179,000 | $ 93,000 |
| Clermont County Ohio | 429 | $ 73,776,000 | $ 171,000 | $ 92,000 |
| Butler County Ohio | 393 | $ 67,012,000 | $ 170,000 | $ 91,000 |
| Campbell County Kentucky | 334 | $ 54,353,000 | $ 162,000 | $ 92,000 |
| Warren County Ohio | 246 | $ 56,393,000 | $ 229,000 | $ 107,000 |
| Jessamine County Kentucky | 93 | $ 19,321,000 | $ 207,000 | $ 104,000 |
| Scott County Kentucky | 61 | $ 11,694,000 | $ 191,000 | $ 97,000 |
| Madison County Kentucky | 52 | $ 10,288,000 | $ 197,000 | $ 91,000 |
| Franklin County Ohio | 52 | $ 21,953,000 | $ 422,000 | $ 25,000 |
| Brown County Ohio | 47 | $ 6,266,000 | $ 133,000 | $ 95,000 |
| Dearborn County Indiana | 38 | $ 6,528,000 | $ 171,000 | $ 80,000 |
| Jefferson County Kentucky | 37 | $ 7,121,000 | $ 192,000 | $ 115,000 |
| Franklin County Kentucky | 34 | $ 6,632,000 | $ 195,000 | $ 91,000 |
| Montgomery County Ohio | 28 | $ 7,429,000 | $ 265,000 | $ 68,000 |
| Woodford County Kentucky | 26 | $ 5,033,000 | $ 193,000 | $ 88,000 |
| Delaware County Ohio | 26 | $ 10,385,000 | $ 399,000 | $ 9,000 |
| Grant County Kentucky | 24 | $ 4,365,000 | $ 181,000 | $ 75,000 |
| Clark County Kentucky | 23 | $ 3,596,000 | $ 156,000 | $ 88,000 |
| Bourbon County Kentucky | 20 | $ 3,007,000 | $ 150,000 | $ 84,000 |
| Franklin County Indiana | 14 | $ 2,680,000 | $ 191,000 | $ 140,000 |
| Anderson County Kentucky | 13 | $ 2,044,000 | $ 157,000 | $ 86,000 |
| Hamilton County Indiana | 10 | $ 3,213,000 | $ 321,000 | $ 36,000 |
| Greene County Ohio | 10 | $ 1,875,000 | $ 187,000 | $ 104,000 |
| Owen County Kentucky | 9 | $ 1,382,000 | $ 153,000 | $ 126,000 |
| Gallatin County Kentucky | 8 | $ 1,149,000 | $ 143,000 | $ 78,000 |
| Ripley County Indiana | 7 | $ 1,363,000 | $ 194,000 | $ 98,000 |
| Boyle County Kentucky | 7 | $ 1,288,000 | $ 184,000 | $ 110,000 |
| Highland County Ohio | 7 | $ 1,021,000 | $ 145,000 | $ 95,000 |
| Garrard County Kentucky | 6 | $ 1,103,000 | $ 183,000 | $ 57,000 |
| Russell County Kentucky | 6 | $ 623,000 | $ 103,000 | $ 151,000 |
| Licking County Ohio | 6 | $ 1,317,000 | $ 219,000 | $ 75,000 |
| Miami County Ohio | 6 | $ 1,393,000 | $ 232,000 | $ 61,000 |
| Marion County Indiana | 5 | $ 2,850,000 | $ 570,000 | $ 0 |
| Montgomery County Kentucky | 5 | $ 818,000 | $ 163,000 | $ 77,000 |
| Pulaski County Kentucky | 5 | $ 581,000 | $ 116,000 | $ 134,000 |
| Campbell County Tennessee | 5 | $ 983,000 | $ 196,000 | $ 151,000 |
| Harrison County Kentucky | 4 | $ 974,000 | $ 243,000 | $ 116,000 |
| Shelby County Kentucky | 4 | $ 642,000 | $ 160,000 | $ 81,000 |
| Clinton County Ohio | 4 | $ 346,000 | $ 86,000 | $ 80,000 |
| Union County Ohio | 4 | $ 1,718,000 | $ 429,000 | $ 0 |
| Orange County California | 3 | $ 3,400,000 | $ 1,133,000 | $ 0 |
| San Diego County California | 3 | $ 1,780,000 | $ 593,000 | $ 154,000 |
| Lee County Florida | 3 | $ 829,000 | $ 276,000 | $ 134,000 |
| Brown County Indiana | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Wayne County Indiana | 3 | $ 295,000 | $ 98,000 | $ 59,000 |
| Bracken County Kentucky | 3 | $ 334,000 | $ 111,000 | $ 123,000 |
| Lincoln County Kentucky | 3 | $ 163,000 | $ 54,000 | $ 45,000 |
| Oldham County Kentucky | 3 | $ 704,000 | $ 234,000 | $ 97,000 |
| Pendleton County Kentucky | 3 | $ 462,000 | $ 154,000 | $ 90,000 |
| Maricopa County Arizona | 2 | $ 2,006,000 | $ 1,003,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 1,551,000 | $ 775,000 | $ 0 |
| Sarasota County Florida | 2 | $ 622,000 | $ 311,000 | $ 0 |
| Elkhart County Indiana | 2 | $ 868,000 | $ 434,000 | $ 0 |
| Hancock County Indiana | 2 | $ 718,000 | $ 359,000 | $ 58,000 |
| Monroe County Indiana | 2 | $ 229,000 | $ 114,000 | $ 0 |
| Switzerland County Indiana | 2 | $ 400,000 | $ 200,000 | $ 55,000 |
| Carroll County Kentucky | 2 | $ 303,000 | $ 151,000 | $ 85,000 |
| Henry County Kentucky | 2 | $ 520,000 | $ 260,000 | $ 73,000 |
| Rockcastle County Kentucky | 2 | $ 178,000 | $ 89,000 | $ 22,000 |
| Wayne County Kentucky | 2 | $ 259,000 | $ 129,000 | $ 149,000 |
| Clark County Ohio | 2 | $ 171,000 | $ 85,000 | $ 37,000 |
| Fairfield County Ohio | 2 | $ 899,000 | $ 449,000 | $ 0 |
| Mercer County Ohio | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| Anderson County Tennessee | 2 | $ 520,000 | $ 260,000 | $ 387,000 |
| Davidson County Tennessee | 2 | $ 317,000 | $ 158,000 | $ 33,000 |
| Marin County California | 1 | $ 1,480,000 | $ 1,480,000 | $ 0 |
| Sonoma County California | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Broward County Florida | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Collier County Florida | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Marion County Florida | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Miami-Dade County Florida | 1 | $ 1,335,000 | $ 1,335,000 | $ 0 |
| Pinellas County Florida | 1 | $ 253,000 | $ 253,000 | $ 248,000 |
| Sumter County Florida | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Volusia County Florida | 1 | $ 142,000 | $ 142,000 | $ 143,000 |
| Cook County Illinois | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Decatur County Indiana | 1 | $ 126,000 | $ 126,000 | $ 184,000 |
| Hendricks County Indiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Lake County Indiana | 1 | $ 329,000 | $ 329,000 | $ 117,000 |
| Ohio County Indiana | 1 | $ 137,000 | $ 137,000 | $ 86,000 |
| Steuben County Indiana | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Warren County Indiana | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Greenup County Kentucky | 1 | $ 184,000 | $ 184,000 | $ 146,000 |
| Mercer County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 39,000 |
| Nicholas County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Robertson County Kentucky | 1 | $ 260,000 | $ 260,000 | $ 73,000 |
| Spencer County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Warren County Kentucky | 1 | $ 318,000 | $ 318,000 | $ 80,000 |
| Whitley County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Leelanau County Michigan | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Oceana County Michigan | 1 | $ 248,000 | $ 248,000 | $ 453,000 |
| Mecklenburg County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Adams County Ohio | 1 | $ 130,000 | $ 130,000 | $ 222,000 |
| Fayette County Ohio | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Lucas County Ohio | 1 | $ 1,970,000 | $ 1,970,000 | $ 0 |
| Perry County Ohio | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Portage County Ohio | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Preble County Ohio | 1 | $ 132,000 | $ 132,000 | $ 110,000 |
| Putnam County Ohio | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Richland County Ohio | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Shelby County Ohio | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Tuscarawas County Ohio | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Pickett County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 108,000 |
| Sumner County Tennessee | 1 | $ 538,000 | $ 538,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,529 | $501,248,000 | $198,000 | $1,500,000 | $97,000 | $1,339,000 |
| Refinancing | 2,186 | $394,502,000 | $180,000 | $1,970,000 | $93,000 | $1,729,000 |
| Home Improvement | 581 | $78,441,000 | $135,000 | $624,000 | $83,000 | $445,000 |
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 | 4,500 | $821,457,000 | $182,000 | $1,500,000 | $97,000 | $1,729,000 |
| Not Provided | 247 | $49,284,000 | $199,000 | $1,485,000 | $91,000 | $928,000 |
| Black or African American | 220 | $19,238,000 | $87,000 | $833,000 | $66,000 | $580,000 |
| Asian | 185 | $37,472,000 | $202,000 | $739,000 | $91,000 | $295,000 |
| Not applicable | 87 | $37,055,000 | $425,000 | $1,970,000 | $0 | $0 |
| Hispanic | 44 | $7,486,000 | $170,000 | $488,000 | $92,000 | $362,000 |
| American Indian or Alaskan Native | 8 | $1,356,000 | $169,000 | $498,000 | $127,000 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $843,000 | $168,000 | $292,000 | $84,000 | $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) | 4,853 | $910,352,000 | $187,000 | $1,970,000 | $97,000 | $1,729,000 |
| FHA-insured (Federal Housing Administration) | 345 | $47,857,000 | $138,000 | $285,000 | $61,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 53 | $9,637,000 | $181,000 | $408,000 | $78,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $6,345,000 | $141,000 | $222,000 | $51,000 | $96,000 |
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 | 3,600 | $605,000,000 | $168,000 | $1,126,000 | $102,000 | $1,729,000 |
| Application Denied By Financial Institution | 923 | $154,489,000 | $167,000 | $952,000 | $84,000 | $763,000 |
| Application Withdrawn By Applicant | 420 | $74,749,000 | $177,000 | $993,000 | $102,000 | $1,200,000 |
| Loan Purchased By The Institution | 282 | $126,524,000 | $448,000 | $1,970,000 | $0 | $77,000 |
| Application Approved But Not Accepted | 71 | $13,429,000 | $189,000 | $640,000 | $118,000 | $485,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 315 | $53,043,000 | $168,000 | $720,000 | $61,000 | $404,000 |
| Collateral | 187 | $33,472,000 | $178,000 | $722,000 | $106,000 | $763,000 |
| Credit Application Incomplete | 175 | $30,781,000 | $175,000 | $952,000 | $97,000 | $541,000 |
| Credit History | 174 | $26,237,000 | $150,000 | $407,000 | $84,000 | $336,000 |
| Other | 58 | $8,730,000 | $150,000 | $660,000 | $94,000 | $322,000 |
| Unverifiable Information | 6 | $1,075,000 | $179,000 | $400,000 | $132,000 | $197,000 |
| Employment History | 5 | $884,000 | $176,000 | $250,000 | $62,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $267,000 | $89,000 | $140,000 | $112,000 | $230,000 |
| 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 2017 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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