Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2018
In 2018, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 4,307 mortgage applications totaling $742.5 million, down 19% from 2017. The average application was for $172,392, and applicants reported an average income of $101,573. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Cincinnati, OH-KY-IN (3,353), Lexington-Fayette, KY (592) and Indianapolis-Carmel-Anderson, IN (43) (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 | 4,307 |
| Total Mortgage Loan Application Amount | $742,495,000 |
| Average Mortgage Loan Application Amount | $172,392 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $101,573 |
| Highest Applicant Income | $1,125,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,251 | $ 169,435,000 | $ 135,439 | $ 94,000 |
| Kenton, Kentucky | 564 | $ 99,080,000 | $ 175,673 | $ 109,000 |
| Fayette, Kentucky | 428 | $ 82,310,000 | $ 192,313 | $ 108,000 |
| Boone, Kentucky | 374 | $ 70,970,000 | $ 189,759 | $ 91,000 |
| Clermont, Ohio | 322 | $ 52,550,000 | $ 163,198 | $ 103,000 |
| Butler, Ohio | 298 | $ 54,910,000 | $ 184,261 | $ 97,000 |
| Campbell, Kentucky | 275 | $ 53,855,000 | $ 195,836 | $ 106,000 |
| Warren, Ohio | 169 | $ 36,035,000 | $ 213,224 | $ 117,000 |
| Jessamine, Kentucky | 64 | $ 13,990,000 | $ 218,593 | $ 103,000 |
| Scott, Kentucky | 57 | $ 13,325,000 | $ 233,771 | $ 115,000 |
| Madison, Kentucky | 56 | $ 11,790,000 | $ 210,535 | $ 99,000 |
| Dearborn, Indiana | 41 | $ 7,505,000 | $ 183,048 | $ 91,000 |
| Franklin, Kentucky | 26 | $ 4,390,000 | $ 168,846 | $ 86,000 |
| Brown, Ohio | 25 | $ 4,635,000 | $ 185,400 | $ 89,000 |
| Jefferson, Kentucky | 23 | $ 4,175,000 | $ 181,521 | $ 110,000 |
| Woodford, Kentucky | 23 | $ 4,705,000 | $ 204,565 | $ 105,000 |
| Montgomery, Ohio | 22 | $ 4,440,000 | $ 201,818 | $ 132,000 |
| Hamilton, Indiana | 18 | $ 4,540,000 | $ 252,222 | $ 0 |
| Grant, Kentucky | 18 | $ 3,110,000 | $ 172,777 | $ 74,000 |
| Franklin, Ohio | 16 | $ 3,440,000 | $ 215,000 | $ 152,000 |
| Marion, Indiana | 15 | $ 2,585,000 | $ 172,333 | $ 72,000 |
| Clark, Kentucky | 13 | $ 2,545,000 | $ 195,769 | $ 106,000 |
| Anderson, Kentucky | 11 | $ 1,885,000 | $ 171,363 | $ 88,000 |
| Pendleton, Kentucky | 11 | $ 1,475,000 | $ 134,090 | $ 93,000 |
| Allen, Indiana | 9 | $ 1,355,000 | $ 150,555 | $ 0 |
| Bartholomew, Indiana | 9 | $ 1,685,000 | $ 187,222 | $ 0 |
| Lincoln, Kentucky | 8 | $ 1,340,000 | $ 167,500 | $ 67,000 |
| Franklin, Indiana | 7 | $ 1,725,000 | $ 246,428 | $ 86,000 |
| Bourbon, Kentucky | 7 | $ 1,795,000 | $ 256,428 | $ 93,000 |
| Mercer, Kentucky | 7 | $ 1,105,000 | $ 157,857 | $ 101,000 |
| Highland, Ohio | 7 | $ 885,000 | $ 126,428 | $ 117,000 |
| Garrard, Kentucky | 6 | $ 1,030,000 | $ 171,666 | $ 86,000 |
| Greene, Ohio | 6 | $ 720,000 | $ 120,000 | $ 100,000 |
| Miami, Ohio | 6 | $ 990,000 | $ 165,000 | $ 71,000 |
| Pulaski, Kentucky | 5 | $ 365,000 | $ 73,000 | $ 70,000 |
| Wayne, Kentucky | 5 | $ 525,000 | $ 105,000 | $ 257,000 |
| Delaware, Ohio | 5 | $ 1,355,000 | $ 271,000 | $ 175,000 |
| Boone, Indiana | 4 | $ 1,400,000 | $ 350,000 | $ 158,000 |
| Boyle, Kentucky | 4 | $ 660,000 | $ 165,000 | $ 82,000 |
| Montgomery, Kentucky | 4 | $ 840,000 | $ 210,000 | $ 61,000 |
| Owen, Kentucky | 4 | $ 620,000 | $ 155,000 | $ 168,000 |
| Shelby, Kentucky | 4 | $ 990,000 | $ 247,500 | $ 131,000 |
| Adams, Ohio | 4 | $ 400,000 | $ 100,000 | $ 49,000 |
| Clinton, Ohio | 4 | $ 650,000 | $ 162,500 | $ 42,000 |
| Allegheny, Pennsylvania | 4 | $ 1,390,000 | $ 347,500 | $ 0 |
| Campbell, Tennessee | 4 | $ 1,570,000 | $ 392,500 | $ 404,000 |
| Wayne, Indiana | 3 | $ 275,000 | $ 91,666 | $ 56,000 |
| Bracken, Kentucky | 3 | $ 285,000 | $ 95,000 | $ 85,000 |
| Okaloosa, Florida | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Clark, Indiana | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Hancock, Indiana | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Hendricks, Indiana | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Johnson, Indiana | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Ripley, Indiana | 2 | $ 370,000 | $ 185,000 | $ 79,000 |
| Carroll, Kentucky | 2 | $ 240,000 | $ 120,000 | $ 114,000 |
| Harrison, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 133,000 |
| Oldham, Kentucky | 2 | $ 730,000 | $ 365,000 | $ 97,000 |
| Fairfield, Ohio | 2 | $ 430,000 | $ 215,000 | $ 105,000 |
| Fayette, Ohio | 2 | $ 330,000 | $ 165,000 | $ 134,000 |
| Licking, Ohio | 2 | $ 360,000 | $ 180,000 | $ 64,000 |
| Union, Tennessee | 2 | $ 340,000 | $ 170,000 | $ 702,000 |
| Bay, Florida | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Collier, Florida | 1 | $ 455,000 | $ 455,000 | $ 185,000 |
| Lee, Florida | 1 | $ 155,000 | $ 155,000 | $ 146,000 |
| Pinellas, Florida | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| St. Lucie, Florida | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Sumter, Florida | 1 | $ 245,000 | $ 245,000 | $ 221,000 |
| Union, Georgia | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Clinton, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Delaware, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Harrison, Indiana | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Howard, Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| LaGrange, Indiana | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Lake, Indiana | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Monroe, Indiana | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Ohio, Indiana | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Switzerland, Indiana | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Bullitt, Kentucky | 1 | $ 435,000 | $ 435,000 | $ 120,000 |
| Estill, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Gallatin, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Laurel, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Mason, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Menifee, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 241,000 |
| Trimble, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Chautauqua, New York | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Allen, Ohio | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Logan, Ohio | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| Lucas, Ohio | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Ross, Ohio | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Summit, Ohio | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Wood, Ohio | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Dauphin, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Westmoreland, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 288,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2018
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 | 2,455 | $473,205,000 | $192,000 | $1,145,000 | $107,000 | $1,125,000 |
| Cash-out Refinancing | 779 | $125,025,000 | $160,000 | $685,000 | $98,000 | $521,000 |
| Refinancing | 779 | $134,275,000 | $172,000 | $1,155,000 | $105,000 | $990,000 |
| Home Improvement | 255 | $4,615,000 | $18,000 | $275,000 | $53,000 | $448,000 |
| Other Purpose | 38 | $5,230,000 | $137,000 | $425,000 | $80,000 | $230,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
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 | 3,356 | $614,250,000 | $183,000 | $1,155,000 | $106,000 | $990,000 |
| Black or African American | 346 | $21,570,000 | $62,000 | $505,000 | $57,000 | $769,000 |
| Not Provided | 315 | $53,955,000 | $171,000 | $805,000 | $108,000 | $1,125,000 |
| Not applicable | 122 | $25,230,000 | $206,000 | $965,000 | $0 | $0 |
| Asian | 120 | $20,020,000 | $166,000 | $435,000 | $96,000 | $395,000 |
| Hispanic | 36 | $5,880,000 | $163,000 | $415,000 | $111,000 | $420,000 |
| American Indian or Alaskan Native | 8 | $1,040,000 | $130,000 | $205,000 | $91,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $215,000 | $63,000 | $105,000 |
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) | 3,834 | $670,160,000 | $174,000 | $1,155,000 | $106,000 | $1,125,000 |
| FHA-insured (Federal Housing Administration) | 379 | $54,435,000 | $143,000 | $305,000 | $65,000 | $960,000 |
| VA-guaranteed (Veterans Administration) | 57 | $11,685,000 | $205,000 | $365,000 | $77,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $6,215,000 | $167,000 | $335,000 | $60,000 | $110,000 |
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 | 3,033 | $519,595,000 | $171,000 | $965,000 | $103,000 | $1,125,000 |
| Application Denied By Financial Institution | 597 | $94,475,000 | $158,000 | $1,145,000 | $86,000 | $990,000 |
| Application Withdrawn By Applicant | 516 | $97,910,000 | $189,000 | $1,155,000 | $112,000 | $990,000 |
| Loan Purchased By The Institution | 99 | $20,155,000 | $203,000 | $455,000 | $0 | $0 |
| Application Approved But Not Accepted | 62 | $10,360,000 | $167,000 | $755,000 | $103,000 | $283,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,710 | $648,020,000 | $174,000 | $1,155,000 | $104,000 | $1,125,000 |
| Debt-To-Income Ratio | 191 | $32,535,000 | $170,000 | $1,145,000 | $62,000 | $247,000 |
| Credit Application Incomplete | 132 | $22,130,000 | $167,000 | $455,000 | $110,000 | $990,000 |
| Credit History | 119 | $16,395,000 | $137,000 | $465,000 | $85,000 | $288,000 |
| Collateral | 95 | $15,465,000 | $162,000 | $415,000 | $104,000 | $279,000 |
| Other | 47 | $6,125,000 | $130,000 | $635,000 | $92,000 | $432,000 |
| Employment History | 6 | $700,000 | $116,000 | $165,000 | $37,000 | $51,000 |
| Unverifiable Information | 4 | $390,000 | $97,000 | $165,000 | $58,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $455,000 | $94,000 | $182,000 |
| 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 2018 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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