Guardian Savings Bank, A Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Guardian Savings Bank, A Federal Savings Bank 2019 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 | 5,505 |
| Total Mortgage Loan Application Amount | $1,079,035,000 |
| Average Mortgage Loan Application Amount | $165,400 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $112,800 |
| Highest Applicant Income | $4,680,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,284 | $ 240,350,000 | $ 187,000 | $ 119,000 |
| Fayette County Kentucky | 732 | $ 150,520,000 | $ 205,000 | $ 113,000 |
| Kenton County Kentucky | 723 | $ 140,505,000 | $ 194,000 | $ 108,000 |
| Boone County Kentucky | 505 | $ 96,205,000 | $ 190,000 | $ 101,000 |
| Clermont County Ohio | 444 | $ 82,410,000 | $ 185,000 | $ 104,000 |
| Butler County Ohio | 412 | $ 79,200,000 | $ 192,000 | $ 110,000 |
| Campbell County Kentucky | 337 | $ 61,015,000 | $ 181,000 | $ 109,000 |
| Warren County Ohio | 235 | $ 57,495,000 | $ 244,000 | $ 137,000 |
| Jessamine County Kentucky | 106 | $ 26,150,000 | $ 246,000 | $ 130,000 |
| Scott County Kentucky | 106 | $ 22,490,000 | $ 212,000 | $ 104,000 |
| Dearborn County Indiana | 66 | $ 13,910,000 | $ 210,000 | $ 101,000 |
| Madison County Kentucky | 66 | $ 12,940,000 | $ 196,000 | $ 104,000 |
| Woodford County Kentucky | 57 | $ 12,235,000 | $ 214,000 | $ 105,000 |
| Jefferson County Kentucky | 37 | $ 9,965,000 | $ 269,000 | $ 136,000 |
| Clark County Kentucky | 34 | $ 6,500,000 | $ 191,000 | $ 97,000 |
| Franklin County Kentucky | 30 | $ 5,030,000 | $ 167,000 | $ 93,000 |
| Brown County Ohio | 30 | $ 5,580,000 | $ 186,000 | $ 127,000 |
| Grant County Kentucky | 22 | $ 4,380,000 | $ 199,000 | $ 107,000 |
| Pendleton County Kentucky | 18 | $ 2,610,000 | $ 145,000 | $ 88,000 |
| Franklin County Ohio | 18 | $ 4,730,000 | $ 262,000 | $ 116,000 |
| Montgomery County Ohio | 17 | $ 2,255,000 | $ 132,000 | $ 112,000 |
| Anderson County Kentucky | 16 | $ 2,780,000 | $ 173,000 | $ 95,000 |
| Boyle County Kentucky | 12 | $ 1,630,000 | $ 135,000 | $ 112,000 |
| Mercer County Kentucky | 12 | $ 1,920,000 | $ 160,000 | $ 87,000 |
| Franklin County Indiana | 10 | $ 2,070,000 | $ 207,000 | $ 132,000 |
| Garrard County Kentucky | 10 | $ 1,380,000 | $ 138,000 | $ 92,000 |
| Montgomery County Kentucky | 10 | $ 1,720,000 | $ 172,000 | $ 85,000 |
| Gallatin County Kentucky | 8 | $ 1,120,000 | $ 140,000 | $ 110,000 |
| Lincoln County Kentucky | 8 | $ 1,170,000 | $ 146,000 | $ 72,000 |
| Pulaski County Kentucky | 8 | $ 1,020,000 | $ 127,000 | $ 109,000 |
| Oldham County Kentucky | 7 | $ 1,715,000 | $ 245,000 | $ 97,000 |
| Owen County Kentucky | 7 | $ 1,505,000 | $ 215,000 | $ 168,000 |
| Bourbon County Kentucky | 6 | $ 810,000 | $ 135,000 | $ 57,000 |
| Harrison County Kentucky | 6 | $ 810,000 | $ 135,000 | $ 80,000 |
| Campbell County Tennessee | 6 | $ 1,580,000 | $ 263,000 | $ 275,000 |
| Delaware County Ohio | 5 | $ 1,335,000 | $ 267,000 | $ 77,000 |
| Highland County Ohio | 5 | $ 745,000 | $ 149,000 | $ 67,000 |
| Lee County Florida | 4 | $ 1,210,000 | $ 302,000 | $ 213,000 |
| Hamilton County Indiana | 4 | $ 670,000 | $ 167,000 | $ 118,000 |
| Ripley County Indiana | 4 | $ 850,000 | $ 212,000 | $ 102,000 |
| Russell County Kentucky | 4 | $ 540,000 | $ 135,000 | $ 233,000 |
| Shelby County Kentucky | 4 | $ 1,260,000 | $ 315,000 | $ 158,000 |
| Clinton County Ohio | 4 | $ 650,000 | $ 162,000 | $ 109,000 |
| Miami County Ohio | 4 | $ 530,000 | $ 132,000 | $ 68,000 |
| Preble County Ohio | 4 | $ 1,000,000 | $ 250,000 | $ 206,000 |
| Laurel County Kentucky | 3 | $ 385,000 | $ 128,000 | $ 77,000 |
| Greene County Ohio | 3 | $ 485,000 | $ 161,000 | $ 86,000 |
| Manatee County Florida | 2 | $ 320,000 | $ 160,000 | $ 454,000 |
| Sumter County Florida | 2 | $ 280,000 | $ 140,000 | $ 147,000 |
| Madison County Illinois | 2 | $ 810,000 | $ 405,000 | $ 130,000 |
| Boone County Indiana | 2 | $ 860,000 | $ 430,000 | $ 107,000 |
| Clark County Indiana | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Marion County Indiana | 2 | $ 60,000 | $ 30,000 | $ 43,000 |
| Morgan County Indiana | 2 | $ 430,000 | $ 215,000 | $ 98,000 |
| Bracken County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 61,000 |
| Washington County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 89,000 |
| Wayne County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Adams County Ohio | 2 | $ 230,000 | $ 115,000 | $ 101,000 |
| Logan County Ohio | 2 | $ 370,000 | $ 185,000 | $ 129,000 |
| Boulder County Colorado | 1 | $ 485,000 | $ 485,000 | $ 143,000 |
| New Castle County Delaware | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Bay County Florida | 1 | $ 155,000 | $ 155,000 | $ 236,000 |
| Collier County Florida | 1 | $ 1,225,000 | $ 1,225,000 | $ 382,000 |
| Hillsborough County Florida | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 375,000 |
| Fayette County Indiana | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Jefferson County Indiana | 1 | $ 395,000 | $ 395,000 | $ 160,000 |
| Lake County Indiana | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Porter County Indiana | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Spencer County Indiana | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Wayne County Indiana | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Bath County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Bullitt County Kentucky | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Carroll County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Cumberland County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 226,000 |
| Mason County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Nelson County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Powell County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Spencer County Kentucky | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Emmet County Michigan | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| New Hanover County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
| Athens County Ohio | 1 | $ 155,000 | $ 155,000 | $ 204,000 |
| Clark County Ohio | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Erie County Ohio | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Fairfield County Ohio | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
| Westmoreland County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Beaufort County South Carolina | 1 | $ 475,000 | $ 475,000 | $ 383,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2019
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 | 2,155 | $427,125,000 | $198,000 | $945,000 | $115,000 | $1,200,000 |
| Home Purchase | 2,088 | $431,570,000 | $206,000 | $1,465,000 | $111,000 | $1,181,000 |
| Cash-out Refinancing | 1,187 | $211,345,000 | $178,000 | $1,305,000 | $109,000 | $4,680,000 |
| Home Improvement | 50 | $5,720,000 | $114,000 | $505,000 | $112,000 | $569,000 |
| Other Purpose | 25 | $3,275,000 | $131,000 | $475,000 | $117,000 | $370,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 4,530 | $893,600,000 | $197,000 | $1,465,000 | $113,000 | $4,680,000 |
| Not Provided | 519 | $101,305,000 | $195,000 | $655,000 | $115,000 | $1,000,000 |
| Asian | 211 | $41,495,000 | $196,000 | $865,000 | $107,000 | $570,000 |
| Black or African American | 142 | $23,790,000 | $167,000 | $525,000 | $90,000 | $244,000 |
| Hispanic | 62 | $10,550,000 | $170,000 | $485,000 | $110,000 | $689,000 |
| Not applicable | 25 | $4,485,000 | $179,000 | $815,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,070,000 | $207,000 | $305,000 | $92,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $645,000 | $215,000 | $325,000 | $66,000 | $99,000 |
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) | 5,086 | $1,010,470,000 | $198,000 | $1,465,000 | $116,000 | $4,680,000 |
| FHA-insured (Federal Housing Administration) | 345 | $54,135,000 | $156,000 | $345,000 | $66,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 44 | $9,680,000 | $220,000 | $485,000 | $84,000 | $247,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,750,000 | $158,000 | $225,000 | $55,000 | $86,000 |
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 | 3,951 | $785,395,000 | $198,000 | $1,465,000 | $114,000 | $1,181,000 |
| Application Denied By Financial Institution | 848 | $153,430,000 | $180,000 | $1,305,000 | $98,000 | $4,680,000 |
| Application Withdrawn By Applicant | 581 | $113,855,000 | $195,000 | $815,000 | $116,000 | $1,962,000 |
| Application Approved But Not Accepted | 124 | $26,250,000 | $211,000 | $1,365,000 | $116,000 | $599,000 |
| Loan Purchased By The Institution | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,657 | $925,605,000 | $198,000 | $1,465,000 | $115,000 | $1,962,000 |
| Debt-To-Income Ratio | 243 | $46,285,000 | $190,000 | $1,305,000 | $68,000 | $227,000 |
| Credit Application Incomplete | 223 | $42,345,000 | $189,000 | $575,000 | $110,000 | $746,000 |
| Credit History | 169 | $26,245,000 | $155,000 | $445,000 | $90,000 | $435,000 |
| Collateral | 130 | $24,590,000 | $189,000 | $605,000 | $116,000 | $1,200,000 |
| Other | 62 | $11,090,000 | $178,000 | $815,000 | $174,000 | $4,680,000 |
| Unverifiable Information | 8 | $1,120,000 | $140,000 | $205,000 | $95,000 | $192,000 |
| Employment History | 7 | $775,000 | $110,000 | $245,000 | $51,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $980,000 | $163,000 | $295,000 | $58,000 | $99,000 |
| 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 2019 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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