Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2016
In 2016, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 7,999 mortgage applications totaling $1.4 billion, down 1% from 2015. The average application was for $174,823, and applicants reported an average income of $100,259. 71% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati, OH-KY-IN (6,096), Lexington-Fayette, KY (1,420) and Louisville/Jefferson County, KY-IN (58) (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 | 7,999 |
| Total Mortgage Loan Application Amount | $1,398,415,000 |
| Average Mortgage Loan Application Amount | $174,823 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $100,259 |
| Highest Applicant Income | $2,842,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,096 | $ 1,062,351,000 | $ 174,270 | $ 101,291 |
| Lexington-Fayette, KY | 1,420 | $ 251,705,000 | $ 177,257 | $ 95,000 |
| Louisville/Jefferson County, KY-IN | 58 | $ 10,749,000 | $ 185,327 | $ 100,827 |
| Dayton, OH | 38 | $ 7,452,000 | $ 196,105 | $ 114,000 |
| Columbus, OH | 27 | $ 5,825,000 | $ 215,740 | $ 125,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 1,261,000 | $ 210,166 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 601,000 | $ 300,500 | $ 184,000 |
| Akron, OH | 1 | $ 182,000 | $ 182,000 | $ 49,000 |
| Baton Rouge, LA | 1 | $ 290,000 | $ 290,000 | $ 116,000 |
| Bloomington, IN | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Bowling Green, KY | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Columbia, SC | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 390,000 | $ 390,000 | $ 250,000 |
| Evansville, IN-KY | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Fort Wayne, IN | 1 | $ 141,000 | $ 141,000 | $ 51,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 127,000 | $ 127,000 | $ 87,000 |
| Knoxville, TN | 1 | $ 343,000 | $ 343,000 | $ 92,000 |
| Lima, OH | 1 | $ 252,000 | $ 252,000 | $ 174,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 2,547,000 | $ 2,547,000 | $ 2,842,000 |
| Morristown, TN | 1 | $ 214,000 | $ 214,000 | $ 234,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 228,000 | $ 228,000 | $ 456,000 |
| Oklahoma City, OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Toledo, OH | 1 | $ 152,000 | $ 152,000 | $ 273,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2016
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 | 4,619 | $795,628,000 | $172,000 | $2,547,000 | $103,000 | $2,842,000 |
| Home Purchase | 2,801 | $504,672,000 | $180,000 | $3,100,000 | $96,000 | $1,327,000 |
| Home Improvement | 579 | $98,115,000 | $169,000 | $2,543,000 | $99,000 | $504,000 |
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 | 7,094 | $1,229,022,000 | $173,000 | $2,547,000 | $102,000 | $2,842,000 |
| Not Provided | 260 | $46,108,000 | $177,000 | $577,000 | $126,000 | $1,174,000 |
| Asian | 258 | $47,901,000 | $185,000 | $574,000 | $111,000 | $679,000 |
| Not applicable | 167 | $44,393,000 | $265,000 | $3,100,000 | $0 | $0 |
| Black or African American | 137 | $17,717,000 | $129,000 | $375,000 | $76,000 | $214,000 |
| Hispanic | 69 | $11,026,000 | $159,000 | $536,000 | $87,000 | $346,000 |
| American Indian or Alaskan Native | 8 | $1,347,000 | $168,000 | $300,000 | $124,000 | $430,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $901,000 | $150,000 | $213,000 | $126,000 | $389,000 |
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) | 7,392 | $1,310,050,000 | $177,000 | $3,100,000 | $103,000 | $2,842,000 |
| FHA-insured (Federal Housing Administration) | 477 | $67,172,000 | $140,000 | $336,000 | $61,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $9,738,000 | $143,000 | $226,000 | $53,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 62 | $11,455,000 | $184,000 | $450,000 | $70,000 | $198,000 |
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 | 5,714 | $1,004,346,000 | $175,000 | $3,100,000 | $103,000 | $2,842,000 |
| Application Denied By Financial Institution | 1,610 | $278,399,000 | $172,000 | $2,533,000 | $88,000 | $1,183,000 |
| Application Withdrawn By Applicant | 559 | $95,333,000 | $170,000 | $824,000 | $101,000 | $1,148,000 |
| Application Approved But Not Accepted | 108 | $19,025,000 | $176,000 | $556,000 | $100,000 | $316,000 |
| Loan Purchased By The Institution | 8 | $1,312,000 | $164,000 | $261,000 | $71,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 479 | $83,114,000 | $173,000 | $868,000 | $59,000 | $291,000 |
| Credit History | 367 | $57,821,000 | $157,000 | $859,000 | $91,000 | $662,000 |
| Collateral | 325 | $61,584,000 | $189,000 | $860,000 | $112,000 | $755,000 |
| Credit Application Incomplete | 306 | $57,948,000 | $189,000 | $2,533,000 | $113,000 | $1,183,000 |
| Other | 67 | $8,619,000 | $128,000 | $382,000 | $78,000 | $456,000 |
| Employment History | 44 | $6,138,000 | $139,000 | $314,000 | $69,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,929,000 | $175,000 | $322,000 | $93,000 | $252,000 |
| Unverifiable Information | 11 | $1,246,000 | $113,000 | $226,000 | $61,000 | $119,000 |
| 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 2016 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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