Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2017
In 2017, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 5,296 mortgage applications totaling $974.2 million, down 34% from 2016. The average application was for $183,948, and applicants reported an average income of $93,813. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cincinnati, OH-KY-IN (4,119), Lexington-Fayette, KY (717) and Columbus, OH (91) (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 | 5,296 |
| Total Mortgage Loan Application Amount | $974,191,000 |
| Average Mortgage Loan Application Amount | $183,948 |
| Highest Mortgage Loan Application Amount | $1,970,000 |
| Average Applicant Income | $93,813 |
| Highest Applicant Income | $1,729,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,119 | $ 714,278,000 | $ 173,410 | $ 93,867 |
| Lexington-Fayette, KY | 717 | $ 135,348,000 | $ 188,769 | $ 105,000 |
| Columbus, OH | 91 | $ 36,429,000 | $ 400,318 | $ 22,000 |
| Louisville/Jefferson County, KY-IN | 47 | $ 9,152,000 | $ 194,723 | $ 108,000 |
| Dayton, OH | 44 | $ 10,697,000 | $ 243,113 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 21 | $ 7,405,000 | $ 352,619 | $ 23,000 |
| Knoxville, TN | 7 | $ 1,503,000 | $ 214,714 | $ 219,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 3,400,000 | $ 1,133,333 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 829,000 | $ 276,333 | $ 134,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 855,000 | $ 285,000 | $ 70,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,780,000 | $ 593,333 | $ 154,000 |
| Bloomington, IN | 2 | $ 229,000 | $ 114,500 | $ 0 |
| Elkhart-Goshen, IN | 2 | $ 868,000 | $ 434,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 622,000 | $ 311,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 2,006,000 | $ 1,003,000 | $ 0 |
| Springfield, OH | 2 | $ 171,000 | $ 85,500 | $ 37,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,551,000 | $ 775,500 | $ 0 |
| Akron, OH | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Bowling Green, KY | 1 | $ 318,000 | $ 318,000 | $ 80,000 |
| Charleston-North Charleston, SC | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 142,000 | $ 142,000 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Gary, IN | 1 | $ 329,000 | $ 329,000 | $ 117,000 |
| Harrisburg-Carlisle, PA | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 184,000 | $ 184,000 | $ 146,000 |
| Mansfield, OH | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,335,000 | $ 1,335,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Ocala, FL | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Pittsburgh, PA | 1 | $ 635,000 | $ 635,000 | $ 0 |
| San Rafael, CA | 1 | $ 1,480,000 | $ 1,480,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 253,000 | $ 253,000 | $ 248,000 |
| The Villages, FL | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Toledo, OH | 1 | $ 1,970,000 | $ 1,970,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,529 | $501,248,000 | $198,000 | $1,500,000 | $97,000 | $1,339,000 |
| Refinancing | 2,186 | $394,502,000 | $180,000 | $1,970,000 | $93,000 | $1,729,000 |
| Home Improvement | 581 | $78,441,000 | $135,000 | $624,000 | $83,000 | $445,000 |
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 | 4,500 | $821,457,000 | $182,000 | $1,500,000 | $97,000 | $1,729,000 |
| Not Provided | 247 | $49,284,000 | $199,000 | $1,485,000 | $91,000 | $928,000 |
| Black or African American | 220 | $19,238,000 | $87,000 | $833,000 | $66,000 | $580,000 |
| Asian | 185 | $37,472,000 | $202,000 | $739,000 | $91,000 | $295,000 |
| Not applicable | 87 | $37,055,000 | $425,000 | $1,970,000 | $0 | $0 |
| Hispanic | 44 | $7,486,000 | $170,000 | $488,000 | $92,000 | $362,000 |
| American Indian or Alaskan Native | 8 | $1,356,000 | $169,000 | $498,000 | $127,000 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $843,000 | $168,000 | $292,000 | $84,000 | $138,000 |
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) | 4,853 | $910,352,000 | $187,000 | $1,970,000 | $97,000 | $1,729,000 |
| FHA-insured (Federal Housing Administration) | 345 | $47,857,000 | $138,000 | $285,000 | $61,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 53 | $9,637,000 | $181,000 | $408,000 | $78,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $6,345,000 | $141,000 | $222,000 | $51,000 | $96,000 |
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 | 3,600 | $605,000,000 | $168,000 | $1,126,000 | $102,000 | $1,729,000 |
| Application Denied By Financial Institution | 923 | $154,489,000 | $167,000 | $952,000 | $84,000 | $763,000 |
| Application Withdrawn By Applicant | 420 | $74,749,000 | $177,000 | $993,000 | $102,000 | $1,200,000 |
| Loan Purchased By The Institution | 282 | $126,524,000 | $448,000 | $1,970,000 | $0 | $77,000 |
| Application Approved But Not Accepted | 71 | $13,429,000 | $189,000 | $640,000 | $118,000 | $485,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 315 | $53,043,000 | $168,000 | $720,000 | $61,000 | $404,000 |
| Collateral | 187 | $33,472,000 | $178,000 | $722,000 | $106,000 | $763,000 |
| Credit Application Incomplete | 175 | $30,781,000 | $175,000 | $952,000 | $97,000 | $541,000 |
| Credit History | 174 | $26,237,000 | $150,000 | $407,000 | $84,000 | $336,000 |
| Other | 58 | $8,730,000 | $150,000 | $660,000 | $94,000 | $322,000 |
| Unverifiable Information | 6 | $1,075,000 | $179,000 | $400,000 | $132,000 | $197,000 |
| Employment History | 5 | $884,000 | $176,000 | $250,000 | $62,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $267,000 | $89,000 | $140,000 | $112,000 | $230,000 |
| 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 2017 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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