Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 5,505 mortgage applications totaling $1.1 billion, up 28% from 2018. The average application was for $196,009, and applicants reported an average income of $112,170. 72% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Cincinnati, OH-KY-IN (4,096), Lexington-Fayette, KY (1,041) and Louisville/Jefferson County, KY-IN (52) (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 | 5,505 |
| Total Mortgage Loan Application Amount | $1,079,035,000 |
| Average Mortgage Loan Application Amount | $196,009 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $112,170 |
| Highest Applicant Income | $4,680,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,284 | $ 240,350,000 | $ 187,188 | $ 119,000 |
| Fayette, Kentucky | 732 | $ 150,520,000 | $ 205,628 | $ 113,000 |
| Kenton, Kentucky | 723 | $ 140,505,000 | $ 194,336 | $ 108,000 |
| Boone, Kentucky | 505 | $ 96,205,000 | $ 190,504 | $ 101,000 |
| Clermont, Ohio | 444 | $ 82,410,000 | $ 185,608 | $ 104,000 |
| Butler, Ohio | 412 | $ 79,200,000 | $ 192,233 | $ 110,000 |
| Campbell, Kentucky | 337 | $ 61,015,000 | $ 181,053 | $ 109,000 |
| Warren, Ohio | 235 | $ 57,495,000 | $ 244,659 | $ 137,000 |
| Jessamine, Kentucky | 106 | $ 26,150,000 | $ 246,698 | $ 130,000 |
| Scott, Kentucky | 106 | $ 22,490,000 | $ 212,169 | $ 104,000 |
| Dearborn, Indiana | 66 | $ 13,910,000 | $ 210,757 | $ 101,000 |
| Madison, Kentucky | 66 | $ 12,940,000 | $ 196,060 | $ 104,000 |
| Woodford, Kentucky | 57 | $ 12,235,000 | $ 214,649 | $ 105,000 |
| Jefferson, Kentucky | 37 | $ 9,965,000 | $ 269,324 | $ 136,000 |
| Clark, Kentucky | 34 | $ 6,500,000 | $ 191,176 | $ 97,000 |
| Franklin, Kentucky | 30 | $ 5,030,000 | $ 167,666 | $ 93,000 |
| Brown, Ohio | 30 | $ 5,580,000 | $ 186,000 | $ 127,000 |
| Grant, Kentucky | 22 | $ 4,380,000 | $ 199,090 | $ 107,000 |
| Pendleton, Kentucky | 18 | $ 2,610,000 | $ 145,000 | $ 88,000 |
| Franklin, Ohio | 18 | $ 4,730,000 | $ 262,777 | $ 116,000 |
| Montgomery, Ohio | 17 | $ 2,255,000 | $ 132,647 | $ 112,000 |
| Anderson, Kentucky | 16 | $ 2,780,000 | $ 173,750 | $ 95,000 |
| Boyle, Kentucky | 12 | $ 1,630,000 | $ 135,833 | $ 112,000 |
| Mercer, Kentucky | 12 | $ 1,920,000 | $ 160,000 | $ 87,000 |
| Franklin, Indiana | 10 | $ 2,070,000 | $ 207,000 | $ 132,000 |
| Garrard, Kentucky | 10 | $ 1,380,000 | $ 138,000 | $ 92,000 |
| Montgomery, Kentucky | 10 | $ 1,720,000 | $ 172,000 | $ 85,000 |
| Gallatin, Kentucky | 8 | $ 1,120,000 | $ 140,000 | $ 110,000 |
| Lincoln, Kentucky | 8 | $ 1,170,000 | $ 146,250 | $ 72,000 |
| Pulaski, Kentucky | 8 | $ 1,020,000 | $ 127,500 | $ 109,000 |
| Oldham, Kentucky | 7 | $ 1,715,000 | $ 245,000 | $ 97,000 |
| Owen, Kentucky | 7 | $ 1,505,000 | $ 215,000 | $ 168,000 |
| Bourbon, Kentucky | 6 | $ 810,000 | $ 135,000 | $ 57,000 |
| Harrison, Kentucky | 6 | $ 810,000 | $ 135,000 | $ 80,000 |
| Campbell, Tennessee | 6 | $ 1,580,000 | $ 263,333 | $ 275,000 |
| Delaware, Ohio | 5 | $ 1,335,000 | $ 267,000 | $ 77,000 |
| Highland, Ohio | 5 | $ 745,000 | $ 149,000 | $ 67,000 |
| Lee, Florida | 4 | $ 1,210,000 | $ 302,500 | $ 213,000 |
| Hamilton, Indiana | 4 | $ 670,000 | $ 167,500 | $ 118,000 |
| Ripley, Indiana | 4 | $ 850,000 | $ 212,500 | $ 102,000 |
| Russell, Kentucky | 4 | $ 540,000 | $ 135,000 | $ 233,000 |
| Shelby, Kentucky | 4 | $ 1,260,000 | $ 315,000 | $ 158,000 |
| Clinton, Ohio | 4 | $ 650,000 | $ 162,500 | $ 109,000 |
| Miami, Ohio | 4 | $ 530,000 | $ 132,500 | $ 68,000 |
| Preble, Ohio | 4 | $ 1,000,000 | $ 250,000 | $ 206,000 |
| Laurel, Kentucky | 3 | $ 385,000 | $ 128,333 | $ 77,000 |
| Greene, Ohio | 3 | $ 485,000 | $ 161,666 | $ 86,000 |
| Manatee, Florida | 2 | $ 320,000 | $ 160,000 | $ 454,000 |
| Sumter, Florida | 2 | $ 280,000 | $ 140,000 | $ 147,000 |
| Madison, Illinois | 2 | $ 810,000 | $ 405,000 | $ 130,000 |
| Boone, Indiana | 2 | $ 860,000 | $ 430,000 | $ 107,000 |
| Clark, Indiana | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Marion, Indiana | 2 | $ 60,000 | $ 30,000 | $ 43,000 |
| Morgan, Indiana | 2 | $ 430,000 | $ 215,000 | $ 98,000 |
| Bracken, Kentucky | 2 | $ 320,000 | $ 160,000 | $ 61,000 |
| Washington, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 89,000 |
| Wayne, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Adams, Ohio | 2 | $ 230,000 | $ 115,000 | $ 101,000 |
| Logan, Ohio | 2 | $ 370,000 | $ 185,000 | $ 129,000 |
| Boulder, Colorado | 1 | $ 485,000 | $ 485,000 | $ 143,000 |
| New Castle, Delaware | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Bay, Florida | 1 | $ 155,000 | $ 155,000 | $ 236,000 |
| Collier, Florida | 1 | $ 1,225,000 | $ 1,225,000 | $ 382,000 |
| Hillsborough, Florida | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Volusia, Florida | 1 | $ 305,000 | $ 305,000 | $ 375,000 |
| Fayette, Indiana | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Jefferson, Indiana | 1 | $ 395,000 | $ 395,000 | $ 160,000 |
| Lake, Indiana | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Porter, Indiana | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Spencer, Indiana | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Wayne, Indiana | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Bath, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Bullitt, Kentucky | 1 | $ 425,000 | $ 425,000 | $ 111,000 |
| Carroll, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Cumberland, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 226,000 |
| Mason, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Nelson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Powell, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Spencer, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Emmet, Michigan | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| New Hanover, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
| Athens, Ohio | 1 | $ 155,000 | $ 155,000 | $ 204,000 |
| Clark, Ohio | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Erie, Ohio | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Fairfield, Ohio | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
| Westmoreland, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Beaufort, 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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