Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2017
In 2017, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 5,296 mortgage applications totaling $974.2 million, down 34% from 2016. The average application was for $183,948, and applicants reported an average income of $93,813. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cincinnati, OH-KY-IN (4,119), Lexington-Fayette, KY (717) and Columbus, OH (91) (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 | 5,296 |
| Total Mortgage Loan Application Amount | $974,191,000 |
| Average Mortgage Loan Application Amount | $183,948 |
| Highest Mortgage Loan Application Amount | $1,970,000 |
| Average Applicant Income | $93,813 |
| Highest Applicant Income | $1,729,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,503 | $ 255,938,000 | $ 170,284 | $ 94,000 |
| Kenton, Kentucky | 634 | $ 105,607,000 | $ 166,572 | $ 97,000 |
| Fayette, Kentucky | 494 | $ 92,697,000 | $ 187,645 | $ 109,000 |
| Boone, Kentucky | 456 | $ 81,958,000 | $ 179,732 | $ 93,000 |
| Clermont, Ohio | 429 | $ 73,776,000 | $ 171,972 | $ 92,000 |
| Butler, Ohio | 393 | $ 67,012,000 | $ 170,513 | $ 91,000 |
| Campbell, Kentucky | 334 | $ 54,353,000 | $ 162,733 | $ 92,000 |
| Warren, Ohio | 246 | $ 56,393,000 | $ 229,239 | $ 107,000 |
| Jessamine, Kentucky | 93 | $ 19,321,000 | $ 207,752 | $ 104,000 |
| Scott, Kentucky | 61 | $ 11,694,000 | $ 191,704 | $ 97,000 |
| Madison, Kentucky | 52 | $ 10,288,000 | $ 197,846 | $ 91,000 |
| Franklin, Ohio | 52 | $ 21,953,000 | $ 422,173 | $ 25,000 |
| Brown, Ohio | 47 | $ 6,266,000 | $ 133,319 | $ 95,000 |
| Dearborn, Indiana | 38 | $ 6,528,000 | $ 171,789 | $ 80,000 |
| Jefferson, Kentucky | 37 | $ 7,121,000 | $ 192,459 | $ 115,000 |
| Franklin, Kentucky | 34 | $ 6,632,000 | $ 195,058 | $ 91,000 |
| Montgomery, Ohio | 28 | $ 7,429,000 | $ 265,321 | $ 68,000 |
| Woodford, Kentucky | 26 | $ 5,033,000 | $ 193,576 | $ 88,000 |
| Delaware, Ohio | 26 | $ 10,385,000 | $ 399,423 | $ 9,000 |
| Grant, Kentucky | 24 | $ 4,365,000 | $ 181,875 | $ 75,000 |
| Clark, Kentucky | 23 | $ 3,596,000 | $ 156,347 | $ 88,000 |
| Bourbon, Kentucky | 20 | $ 3,007,000 | $ 150,350 | $ 84,000 |
| Franklin, Indiana | 14 | $ 2,680,000 | $ 191,428 | $ 140,000 |
| Anderson, Kentucky | 13 | $ 2,044,000 | $ 157,230 | $ 86,000 |
| Hamilton, Indiana | 10 | $ 3,213,000 | $ 321,300 | $ 36,000 |
| Greene, Ohio | 10 | $ 1,875,000 | $ 187,500 | $ 104,000 |
| Owen, Kentucky | 9 | $ 1,382,000 | $ 153,555 | $ 126,000 |
| Gallatin, Kentucky | 8 | $ 1,149,000 | $ 143,625 | $ 78,000 |
| Ripley, Indiana | 7 | $ 1,363,000 | $ 194,714 | $ 98,000 |
| Boyle, Kentucky | 7 | $ 1,288,000 | $ 184,000 | $ 110,000 |
| Highland, Ohio | 7 | $ 1,021,000 | $ 145,857 | $ 95,000 |
| Garrard, Kentucky | 6 | $ 1,103,000 | $ 183,833 | $ 57,000 |
| Russell, Kentucky | 6 | $ 623,000 | $ 103,833 | $ 151,000 |
| Licking, Ohio | 6 | $ 1,317,000 | $ 219,500 | $ 75,000 |
| Miami, Ohio | 6 | $ 1,393,000 | $ 232,166 | $ 61,000 |
| Marion, Indiana | 5 | $ 2,850,000 | $ 570,000 | $ 0 |
| Montgomery, Kentucky | 5 | $ 818,000 | $ 163,600 | $ 77,000 |
| Pulaski, Kentucky | 5 | $ 581,000 | $ 116,200 | $ 134,000 |
| Campbell, Tennessee | 5 | $ 983,000 | $ 196,600 | $ 151,000 |
| Harrison, Kentucky | 4 | $ 974,000 | $ 243,500 | $ 116,000 |
| Shelby, Kentucky | 4 | $ 642,000 | $ 160,500 | $ 81,000 |
| Clinton, Ohio | 4 | $ 346,000 | $ 86,500 | $ 80,000 |
| Union, Ohio | 4 | $ 1,718,000 | $ 429,500 | $ 0 |
| Orange, California | 3 | $ 3,400,000 | $ 1,133,333 | $ 0 |
| San Diego, California | 3 | $ 1,780,000 | $ 593,333 | $ 154,000 |
| Lee, Florida | 3 | $ 829,000 | $ 276,333 | $ 134,000 |
| Brown, Indiana | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Wayne, Indiana | 3 | $ 295,000 | $ 98,333 | $ 59,000 |
| Bracken, Kentucky | 3 | $ 334,000 | $ 111,333 | $ 123,000 |
| Lincoln, Kentucky | 3 | $ 163,000 | $ 54,333 | $ 45,000 |
| Oldham, Kentucky | 3 | $ 704,000 | $ 234,666 | $ 97,000 |
| Pendleton, Kentucky | 3 | $ 462,000 | $ 154,000 | $ 90,000 |
| Maricopa, Arizona | 2 | $ 2,006,000 | $ 1,003,000 | $ 0 |
| Palm Beach, Florida | 2 | $ 1,551,000 | $ 775,500 | $ 0 |
| Sarasota, Florida | 2 | $ 622,000 | $ 311,000 | $ 0 |
| Elkhart, Indiana | 2 | $ 868,000 | $ 434,000 | $ 0 |
| Hancock, Indiana | 2 | $ 718,000 | $ 359,000 | $ 58,000 |
| Monroe, Indiana | 2 | $ 229,000 | $ 114,500 | $ 0 |
| Switzerland, Indiana | 2 | $ 400,000 | $ 200,000 | $ 55,000 |
| Carroll, Kentucky | 2 | $ 303,000 | $ 151,500 | $ 85,000 |
| Henry, Kentucky | 2 | $ 520,000 | $ 260,000 | $ 73,000 |
| Rockcastle, Kentucky | 2 | $ 178,000 | $ 89,000 | $ 22,000 |
| Wayne, Kentucky | 2 | $ 259,000 | $ 129,500 | $ 149,000 |
| Clark, Ohio | 2 | $ 171,000 | $ 85,500 | $ 37,000 |
| Fairfield, Ohio | 2 | $ 899,000 | $ 449,500 | $ 0 |
| Mercer, Ohio | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| Anderson, Tennessee | 2 | $ 520,000 | $ 260,000 | $ 387,000 |
| Davidson, Tennessee | 2 | $ 317,000 | $ 158,500 | $ 33,000 |
| Marin, California | 1 | $ 1,480,000 | $ 1,480,000 | $ 0 |
| Sonoma, California | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Broward, Florida | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Collier, Florida | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Marion, Florida | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Miami-Dade, Florida | 1 | $ 1,335,000 | $ 1,335,000 | $ 0 |
| Pinellas, Florida | 1 | $ 253,000 | $ 253,000 | $ 248,000 |
| Sumter, Florida | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Volusia, Florida | 1 | $ 142,000 | $ 142,000 | $ 143,000 |
| Cook, Illinois | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Decatur, Indiana | 1 | $ 126,000 | $ 126,000 | $ 184,000 |
| Hendricks, Indiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Lake, Indiana | 1 | $ 329,000 | $ 329,000 | $ 117,000 |
| Ohio, Indiana | 1 | $ 137,000 | $ 137,000 | $ 86,000 |
| Steuben, Indiana | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Warren, Indiana | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Greenup, Kentucky | 1 | $ 184,000 | $ 184,000 | $ 146,000 |
| Mercer, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 39,000 |
| Nicholas, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Robertson, Kentucky | 1 | $ 260,000 | $ 260,000 | $ 73,000 |
| Spencer, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Warren, Kentucky | 1 | $ 318,000 | $ 318,000 | $ 80,000 |
| Whitley, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Leelanau, Michigan | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Oceana, Michigan | 1 | $ 248,000 | $ 248,000 | $ 453,000 |
| Mecklenburg, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Adams, Ohio | 1 | $ 130,000 | $ 130,000 | $ 222,000 |
| Fayette, Ohio | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Lucas, Ohio | 1 | $ 1,970,000 | $ 1,970,000 | $ 0 |
| Perry, Ohio | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Portage, Ohio | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Preble, Ohio | 1 | $ 132,000 | $ 132,000 | $ 110,000 |
| Putnam, Ohio | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Richland, Ohio | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Shelby, Ohio | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Pickett, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 108,000 |
| Sumner, 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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