Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 5,505 mortgage applications totaling $1.1 billion, up 28% from 2018. The average application was for $196,009, and applicants reported an average income of $112,170. 72% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Cincinnati, OH-KY-IN (4,096), Lexington-Fayette, KY (1,041) and Louisville/Jefferson County, KY-IN (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 | 5,505 |
| Total Mortgage Loan Application Amount | $1,079,035,000 |
| Average Mortgage Loan Application Amount | $196,009 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $112,170 |
| Highest Applicant Income | $4,680,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,096 | $ 787,170,000 | $ 192,180 | $ 111,853 |
| Lexington-Fayette, KY | 1,041 | $ 218,705,000 | $ 210,091 | $ 112,000 |
| Outside any metro area | 230 | $ 39,500,000 | $ 171,739 | $ 103,821 |
| Louisville/Jefferson County, KY-IN | 52 | $ 13,970,000 | $ 268,653 | $ 127,961 |
| Columbus, OH | 24 | $ 6,420,000 | $ 267,500 | $ 109,000 |
| Dayton-Springfield-Kettering, OH | 24 | $ 3,270,000 | $ 136,250 | $ 101,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 2,020,000 | $ 202,000 | $ 97,000 |
| Knoxville, TN | 6 | $ 1,580,000 | $ 263,333 | $ 275,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,210,000 | $ 302,500 | $ 213,000 |
| Gary, IN | 2 | $ 380,000 | $ 190,000 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 320,000 | $ 160,000 | $ 454,000 |
| St. Louis, MO-IL | 2 | $ 810,000 | $ 405,000 | $ 130,000 |
| The Villages, FL | 2 | $ 280,000 | $ 140,000 | $ 147,000 |
| Boulder, CO | 1 | $ 485,000 | $ 485,000 | $ 143,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 375,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 475,000 | $ 475,000 | $ 383,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,225,000 | $ 1,225,000 | $ 382,000 |
| Panama City, FL | 1 | $ 155,000 | $ 155,000 | $ 236,000 |
| Pittsburgh, PA | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Springfield, OH | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Wilmington, DE-MD-NJ | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Wilmington, NC | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2019
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 | 2,155 | $427,125,000 | $198,000 | $945,000 | $115,000 | $1,200,000 |
| Home Purchase | 2,088 | $431,570,000 | $206,000 | $1,465,000 | $111,000 | $1,181,000 |
| Cash-out Refinancing | 1,187 | $211,345,000 | $178,000 | $1,305,000 | $109,000 | $4,680,000 |
| Home Improvement | 50 | $5,720,000 | $114,000 | $505,000 | $112,000 | $569,000 |
| Other Purpose | 25 | $3,275,000 | $131,000 | $475,000 | $117,000 | $370,000 |
| 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 | 4,530 | $893,600,000 | $197,000 | $1,465,000 | $113,000 | $4,680,000 |
| Not Provided | 519 | $101,305,000 | $195,000 | $655,000 | $115,000 | $1,000,000 |
| Asian | 211 | $41,495,000 | $196,000 | $865,000 | $107,000 | $570,000 |
| Black or African American | 142 | $23,790,000 | $167,000 | $525,000 | $90,000 | $244,000 |
| Hispanic | 62 | $10,550,000 | $170,000 | $485,000 | $110,000 | $689,000 |
| Not applicable | 25 | $4,485,000 | $179,000 | $815,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,070,000 | $207,000 | $305,000 | $92,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $645,000 | $215,000 | $325,000 | $66,000 | $99,000 |
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) | 5,086 | $1,010,470,000 | $198,000 | $1,465,000 | $116,000 | $4,680,000 |
| FHA-insured (Federal Housing Administration) | 345 | $54,135,000 | $156,000 | $345,000 | $66,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 44 | $9,680,000 | $220,000 | $485,000 | $84,000 | $247,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,750,000 | $158,000 | $225,000 | $55,000 | $86,000 |
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 | 3,951 | $785,395,000 | $198,000 | $1,465,000 | $114,000 | $1,181,000 |
| Application Denied By Financial Institution | 848 | $153,430,000 | $180,000 | $1,305,000 | $98,000 | $4,680,000 |
| Application Withdrawn By Applicant | 581 | $113,855,000 | $195,000 | $815,000 | $116,000 | $1,962,000 |
| Application Approved But Not Accepted | 124 | $26,250,000 | $211,000 | $1,365,000 | $116,000 | $599,000 |
| Loan Purchased By The Institution | 1 | $105,000 | $105,000 | $105,000 | $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 | 4,657 | $925,605,000 | $198,000 | $1,465,000 | $115,000 | $1,962,000 |
| Debt-To-Income Ratio | 243 | $46,285,000 | $190,000 | $1,305,000 | $68,000 | $227,000 |
| Credit Application Incomplete | 223 | $42,345,000 | $189,000 | $575,000 | $110,000 | $746,000 |
| Credit History | 169 | $26,245,000 | $155,000 | $445,000 | $90,000 | $435,000 |
| Collateral | 130 | $24,590,000 | $189,000 | $605,000 | $116,000 | $1,200,000 |
| Other | 62 | $11,090,000 | $178,000 | $815,000 | $174,000 | $4,680,000 |
| Unverifiable Information | 8 | $1,120,000 | $140,000 | $205,000 | $95,000 | $192,000 |
| Employment History | 7 | $775,000 | $110,000 | $245,000 | $51,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $980,000 | $163,000 | $295,000 | $58,000 | $99,000 |
| 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 2019 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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