Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 9,920 mortgage applications totaling $1.5 billion. The average application was for $150,269, and applicants reported an average income of $99,903. 76% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (8,547), Lexington-Fayette, KY (973) and Dayton, OH (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 | 9,920 |
| Total Mortgage Loan Application Amount | $1,490,678,000 |
| Average Mortgage Loan Application Amount | $150,269 |
| Highest Mortgage Loan Application Amount | $1,960,000 |
| Average Applicant Income | $99,903 |
| Highest Applicant Income | $2,568,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Middletown, OH-KY-IN | 8,547 | $ 1,287,125,000 | $ 150,593 | $ 100,502 |
| Lexington-Fayette, KY | 973 | $ 144,603,000 | $ 148,615 | $ 91,000 |
| Dayton, OH | 52 | $ 7,329,000 | $ 140,942 | $ 99,000 |
| Louisville-Jefferson County, KY-IN | 45 | $ 7,672,000 | $ 170,488 | $ 102,000 |
| Columbus, OH | 29 | $ 5,958,000 | $ 205,448 | $ 138,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 691,000 | $ 230,333 | $ 456,000 |
| Indianapolis-Carmel, IN | 3 | $ 502,000 | $ 167,333 | $ 102,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 295,000 | $ 147,500 | $ 69,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 290,000 | $ 145,000 | $ 121,000 |
| Appleton, WI | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Charleston, WV | 1 | $ 220,000 | $ 220,000 | $ 126,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 400,000 | $ 400,000 | $ 141,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 268,000 | $ 268,000 | $ 164,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 89,000 | $ 89,000 | $ 44,000 |
| Jacksonville, FL | 1 | $ 226,000 | $ 226,000 | $ 268,000 |
| Lakeland-Winter Haven, FL | 1 | $ 60,000 | $ 60,000 | $ 105,000 |
| Newark-Union, NJ-PA | 1 | $ 267,000 | $ 267,000 | $ 283,000 |
| Punta Gorda, FL | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Sebastian-Vero Beach, FL | 1 | $ 121,000 | $ 121,000 | $ 150,000 |
| Springfield, OH | 1 | $ 49,000 | $ 49,000 | $ 21,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 84,000 | $ 84,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2011
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 | 8,582 | $1,284,788,000 | $149,000 | $1,491,000 | $102,000 | $2,568,000 |
| Home Purchase | 1,306 | $200,214,000 | $153,000 | $1,960,000 | $86,000 | $773,000 |
| Home Improvement | 32 | $5,676,000 | $177,000 | $1,148,000 | $105,000 | $785,000 |
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 | 9,134 | $1,358,458,000 | $148,000 | $1,960,000 | $99,000 | $2,568,000 |
| Asian | 271 | $48,921,000 | $180,000 | $417,000 | $122,000 | $638,000 |
| Not Provided | 262 | $42,611,000 | $162,000 | $841,000 | $114,000 | $706,000 |
| Black or African American | 176 | $25,345,000 | $144,000 | $565,000 | $80,000 | $326,000 |
| Hispanic | 57 | $10,447,000 | $183,000 | $1,300,000 | $106,000 | $330,000 |
| American Indian or Alaskan Native | 11 | $2,097,000 | $190,000 | $405,000 | $162,000 | $527,000 |
| Not applicable | 6 | $2,229,000 | $371,000 | $1,000,000 | $377,000 | $1,205,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $570,000 | $190,000 | $269,000 | $111,000 | $169,000 |
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) | 9,209 | $1,393,693,000 | $151,000 | $1,960,000 | $103,000 | $2,568,000 |
| FHA-insured (Federal Housing Administration) | 641 | $85,523,000 | $133,000 | $343,000 | $58,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 70 | $11,462,000 | $163,000 | $685,000 | $64,000 | $492,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7,559 | $1,116,488,000 | $147,000 | $1,960,000 | $104,000 | $1,974,000 |
| Application Denied By Financial Institution | 2,013 | $320,981,000 | $159,000 | $1,640,000 | $83,000 | $2,568,000 |
| Application Withdrawn By Applicant | 175 | $27,967,000 | $159,000 | $841,000 | $104,000 | $2,400,000 |
| Application Approved But Not Accepted | 162 | $23,724,000 | $146,000 | $405,000 | $99,000 | $431,000 |
| Loan Purchased By The Institution | 7 | $935,000 | $133,000 | $199,000 | $90,000 | $242,000 |
| File Closed For Incompleteness | 4 | $583,000 | $145,000 | $192,000 | $84,000 | $165,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 748 | $122,925,000 | $164,000 | $685,000 | $92,000 | $466,000 |
| Credit Application Incomplete | 374 | $59,326,000 | $158,000 | $1,640,000 | $96,000 | $2,568,000 |
| Debt-To-Income Ratio | 361 | $58,109,000 | $160,000 | $1,491,000 | $57,000 | $420,000 |
| Credit History | 297 | $40,207,000 | $135,000 | $417,000 | $68,000 | $815,000 |
| Other | 205 | $36,481,000 | $177,000 | $1,300,000 | $94,000 | $345,000 |
| Employment History | 13 | $1,535,000 | $118,000 | $371,000 | $62,000 | $296,000 |
| Unverifiable Information | 8 | $1,548,000 | $193,000 | $406,000 | $67,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $850,000 | $121,000 | $256,000 | $81,000 | $151,000 |
| 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 2011 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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