Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2013
In 2013, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 11,090 mortgage applications totaling $1.6 billion, down 30% from 2012. The average application was for $147,946, and applicants reported an average income of $92,872. 75% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (9,043), Lexington-Fayette, KY (1,455) and Louisville/Jefferson County, KY-IN (70) (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 | 11,090 |
| Total Mortgage Loan Application Amount | $1,640,722,000 |
| Average Mortgage Loan Application Amount | $147,946 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $92,872 |
| Highest Applicant Income | $2,673,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 9,043 | $ 1,335,928,000 | $ 147,730 | $ 93,049 |
| Lexington-Fayette, KY | 1,455 | $ 217,044,000 | $ 149,171 | $ 95,000 |
| Louisville/Jefferson County, KY-IN | 70 | $ 11,107,000 | $ 158,671 | $ 97,514 |
| Dayton, OH | 68 | $ 9,157,000 | $ 134,661 | $ 99,000 |
| Columbus, OH | 39 | $ 7,517,000 | $ 192,743 | $ 127,000 |
| Indianapolis-Carmel, IN | 7 | $ 1,287,000 | $ 183,857 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,020,000 | $ 170,000 | $ 88,000 |
| Bloomington, IN | 2 | $ 307,000 | $ 153,500 | $ 93,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 339,000 | $ 169,500 | $ 68,000 |
| Clarksville, TN-KY | 2 | $ 310,000 | $ 155,000 | $ 38,000 |
| Knoxville, TN | 2 | $ 595,000 | $ 297,500 | $ 105,000 |
| Lakeland-Winter Haven, FL | 2 | $ 134,000 | $ 67,000 | $ 33,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 356,000 | $ 178,000 | $ 47,000 |
| Toledo, OH | 2 | $ 457,000 | $ 228,500 | $ 202,000 |
| Akron, OH | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 249,000 | $ 249,000 | $ 143,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 966,000 | $ 966,000 | $ 200,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 283,000 | $ 283,000 | $ 255,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Elizabethtown, KY | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Erie, PA | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Gary, IN | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Lafayette, IN | 1 | $ 106,000 | $ 106,000 | $ 98,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 120,000 | $ 120,000 | $ 216,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 117,000 | $ 117,000 | $ 284,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2013
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 | 8,175 | $1,202,190,000 | $147,000 | $1,600,000 | $94,000 | $2,673,000 |
| Home Purchase | 2,569 | $392,460,000 | $152,000 | $2,000,000 | $89,000 | $1,741,000 |
| Home Improvement | 346 | $46,072,000 | $133,000 | $665,000 | $95,000 | $530,000 |
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 | 9,904 | $1,453,773,000 | $146,000 | $2,000,000 | $95,000 | $2,673,000 |
| Not Provided | 321 | $47,953,000 | $149,000 | $640,000 | $104,000 | $800,000 |
| Asian | 267 | $45,435,000 | $170,000 | $1,000,000 | $116,000 | $1,260,000 |
| Black or African American | 267 | $34,322,000 | $128,000 | $417,000 | $82,000 | $800,000 |
| Not applicable | 224 | $43,488,000 | $194,000 | $579,000 | $0 | $0 |
| Hispanic | 89 | $13,387,000 | $150,000 | $393,000 | $96,000 | $323,000 |
| American Indian or Alaskan Native | 12 | $1,639,000 | $136,000 | $252,000 | $84,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $725,000 | $120,000 | $256,000 | $76,000 | $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) | 10,272 | $1,529,544,000 | $148,000 | $2,000,000 | $96,000 | $2,673,000 |
| FHA-insured (Federal Housing Administration) | 709 | $92,189,000 | $130,000 | $343,000 | $60,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 109 | $18,989,000 | $174,000 | $424,000 | $83,000 | $238,000 |
| 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 | 8,294 | $1,224,299,000 | $147,000 | $1,000,000 | $95,000 | $2,673,000 |
| Application Denied By Financial Institution | 2,139 | $313,674,000 | $146,000 | $2,000,000 | $82,000 | $1,680,000 |
| Application Withdrawn By Applicant | 472 | $74,886,000 | $158,000 | $1,600,000 | $98,000 | $1,741,000 |
| Application Approved But Not Accepted | 179 | $26,828,000 | $149,000 | $408,000 | $106,000 | $807,000 |
| Loan Purchased By The Institution | 6 | $1,035,000 | $172,000 | $288,000 | $104,000 | $203,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 746 | $118,898,000 | $159,000 | $2,000,000 | $93,000 | $1,680,000 |
| Credit History | 511 | $66,272,000 | $129,000 | $680,000 | $76,000 | $1,314,000 |
| Debt-To-Income Ratio | 415 | $62,515,000 | $150,000 | $800,000 | $54,000 | $335,000 |
| Credit Application Incomplete | 362 | $53,160,000 | $146,000 | $852,000 | $101,000 | $1,260,000 |
| Other | 74 | $9,219,000 | $124,000 | $690,000 | $87,000 | $316,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,015,000 | $118,000 | $202,000 | $71,000 | $158,000 |
| Unverifiable Information | 9 | $1,034,000 | $114,000 | $165,000 | $55,000 | $95,000 |
| Employment History | 5 | $561,000 | $112,000 | $171,000 | $61,000 | $91,000 |
| 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 2013 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About