Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2020
In 2020, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 9,517 mortgage applications totaling $1.8 billion, up 73% from 2019. The average application was for $192,752, and applicants reported an average income of $116,692. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Cincinnati, OH-KY-IN (7,191), Lexington-Fayette, KY (1,711) and Louisville/Jefferson County, KY-IN (92) (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 | 9,517 |
| Total Mortgage Loan Application Amount | $1,834,425,000 |
| Average Mortgage Loan Application Amount | $192,752 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $116,692 |
| Highest Applicant Income | $2,755,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 7,191 | $ 1,363,405,000 | $ 189,598 | $ 117,247 |
| Lexington-Fayette, KY | 1,711 | $ 353,305,000 | $ 206,490 | $ 114,000 |
| Outside any metro area | 407 | $ 71,035,000 | $ 174,533 | $ 106,692 |
| Louisville/Jefferson County, KY-IN | 92 | $ 22,000,000 | $ 239,130 | $ 132,739 |
| Dayton-Springfield-Kettering, OH | 42 | $ 6,970,000 | $ 165,952 | $ 112,000 |
| Columbus, OH | 32 | $ 6,310,000 | $ 197,187 | $ 160,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 1,255,000 | $ 179,285 | $ 126,000 |
| Knoxville, TN | 7 | $ 2,515,000 | $ 359,285 | $ 410,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 825,000 | $ 275,000 | $ 251,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,075,000 | $ 358,333 | $ 321,000 |
| Bowling Green, KY | 2 | $ 480,000 | $ 240,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 330,000 | $ 165,000 | $ 86,000 |
| Panama City, FL | 2 | $ 410,000 | $ 205,000 | $ 195,000 |
| Punta Gorda, FL | 2 | $ 720,000 | $ 360,000 | $ 190,000 |
| Springfield, OH | 2 | $ 440,000 | $ 220,000 | $ 155,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 530,000 | $ 265,000 | $ 130,000 |
| Akron, OH | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Bloomington, IN | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Boulder, CO | 1 | $ 515,000 | $ 515,000 | $ 244,000 |
| Charleston-North Charleston, SC | 1 | $ 435,000 | $ 435,000 | $ 247,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 275,000 | $ 275,000 | $ 318,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 404,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 385,000 | $ 385,000 | $ 331,000 |
| Harrisburg-Carlisle, PA | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 345,000 | $ 345,000 | $ 292,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2020
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 | 5,627 | $1,060,945,000 | $188,000 | $1,505,000 | $118,000 | $2,755,000 |
| Cash-out Refinancing | 2,104 | $390,940,000 | $185,000 | $805,000 | $113,000 | $1,962,000 |
| Home Purchase | 1,735 | $375,405,000 | $216,000 | $1,075,000 | $117,000 | $1,930,000 |
| Home Improvement | 29 | $3,845,000 | $132,000 | $345,000 | $107,000 | $377,000 |
| Other Purpose | 22 | $3,290,000 | $149,000 | $655,000 | $124,000 | $466,000 |
| 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 | 7,798 | $1,512,140,000 | $193,000 | $1,075,000 | $117,000 | $1,962,000 |
| Not Provided | 1,138 | $212,500,000 | $186,000 | $855,000 | $123,000 | $2,755,000 |
| Asian | 299 | $55,485,000 | $185,000 | $1,505,000 | $111,000 | $1,978,000 |
| Black or African American | 166 | $29,340,000 | $176,000 | $715,000 | $91,000 | $238,000 |
| Hispanic | 79 | $16,305,000 | $206,000 | $615,000 | $122,000 | $450,000 |
| Not applicable | 17 | $4,905,000 | $288,000 | $805,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $1,905,000 | $173,000 | $335,000 | $78,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $245,000 | $79,000 | $98,000 |
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) | 9,123 | $1,760,535,000 | $192,000 | $1,505,000 | $119,000 | $2,755,000 |
| FHA-insured (Federal Housing Administration) | 263 | $43,835,000 | $166,000 | $385,000 | $64,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 112 | $26,510,000 | $236,000 | $565,000 | $88,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,545,000 | $186,000 | $445,000 | $63,000 | $252,000 |
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 | 6,982 | $1,348,710,000 | $193,000 | $1,505,000 | $119,000 | $1,978,000 |
| Application Denied By Financial Institution | 1,525 | $286,565,000 | $187,000 | $815,000 | $106,000 | $1,962,000 |
| Application Withdrawn By Applicant | 699 | $138,985,000 | $198,000 | $875,000 | $120,000 | $2,755,000 |
| Application Approved But Not Accepted | 310 | $60,050,000 | $193,000 | $615,000 | $125,000 | $858,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $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 | 7,992 | $1,547,860,000 | $193,000 | $1,505,000 | $119,000 | $2,755,000 |
| Credit Application Incomplete | 677 | $133,245,000 | $196,000 | $815,000 | $123,000 | $1,962,000 |
| Debt-To-Income Ratio | 371 | $67,185,000 | $181,000 | $665,000 | $64,000 | $279,000 |
| Credit History | 238 | $40,290,000 | $169,000 | $565,000 | $102,000 | $900,000 |
| Collateral | 102 | $21,520,000 | $210,000 | $625,000 | $132,000 | $1,246,000 |
| Other | 84 | $15,350,000 | $182,000 | $715,000 | $141,000 | $1,246,000 |
| Unverifiable Information | 28 | $4,900,000 | $175,000 | $715,000 | $111,000 | $510,000 |
| Employment History | 18 | $2,770,000 | $153,000 | $245,000 | $72,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,305,000 | $186,000 | $345,000 | $101,000 | $226,000 |
| 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 2020 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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