Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2012
In 2012, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 15,782 mortgage applications totaling $2.4 billion, up 59% from 2011. The average application was for $151,694, and applicants reported an average income of $101,441. 79% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (13,331), Lexington-Fayette, KY (1,786) and Dayton, OH (101) (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 | 15,782 |
| Total Mortgage Loan Application Amount | $2,394,046,000 |
| Average Mortgage Loan Application Amount | $151,694 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $101,441 |
| Highest Applicant Income | $2,117,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Guardian Savings Bank, A Federal Savings Bank in 2012
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 | 14,125 | $2,145,964,000 | $151,000 | $1,200,000 | $103,000 | $2,117,000 |
| Home Purchase | 1,620 | $241,577,000 | $149,000 | $994,000 | $88,000 | $1,367,000 |
| Home Improvement | 37 | $6,505,000 | $175,000 | $940,000 | $95,000 | $609,000 |
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 | 14,491 | $2,192,658,000 | $151,000 | $1,200,000 | $101,000 | $2,117,000 |
| Not Provided | 517 | $79,598,000 | $153,000 | $928,000 | $109,000 | $1,169,000 |
| Asian | 379 | $66,681,000 | $175,000 | $1,135,000 | $115,000 | $1,737,000 |
| Black or African American | 246 | $32,243,000 | $131,000 | $399,000 | $92,000 | $646,000 |
| Hispanic | 114 | $17,102,000 | $150,000 | $380,000 | $87,000 | $393,000 |
| American Indian or Alaskan Native | 19 | $3,725,000 | $196,000 | $417,000 | $98,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,348,000 | $122,000 | $202,000 | $72,000 | $131,000 |
| Not applicable | 5 | $691,000 | $138,000 | $360,000 | $104,000 | $298,000 |
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) | 14,976 | $2,282,244,000 | $152,000 | $1,200,000 | $104,000 | $2,117,000 |
| FHA-insured (Federal Housing Administration) | 702 | $94,157,000 | $134,000 | $343,000 | $61,000 | $672,000 |
| VA-guaranteed (Veterans Administration) | 104 | $17,645,000 | $169,000 | $366,000 | $64,000 | $229,000 |
| 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 | 12,486 | $1,880,642,000 | $150,000 | $1,200,000 | $106,000 | $2,117,000 |
| Application Denied By Financial Institution | 2,996 | $467,345,000 | $155,000 | $1,135,000 | $86,000 | $972,000 |
| Application Withdrawn By Applicant | 168 | $26,227,000 | $156,000 | $417,000 | $86,000 | $460,000 |
| Application Approved But Not Accepted | 126 | $19,381,000 | $153,000 | $402,000 | $103,000 | $732,000 |
| Loan Purchased By The Institution | 6 | $451,000 | $75,000 | $216,000 | $48,000 | $119,000 |
| 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 | 1,123 | $186,440,000 | $166,000 | $483,000 | $94,000 | $500,000 |
| Credit History | 517 | $68,369,000 | $132,000 | $417,000 | $78,000 | $922,000 |
| Debt-To-Income Ratio | 490 | $75,659,000 | $154,000 | $940,000 | $58,000 | $928,000 |
| Other | 430 | $67,794,000 | $157,000 | $417,000 | $98,000 | $972,000 |
| Credit Application Incomplete | 395 | $63,017,000 | $159,000 | $1,135,000 | $96,000 | $651,000 |
| Unverifiable Information | 17 | $2,518,000 | $148,000 | $263,000 | $66,000 | $163,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,197,000 | $137,000 | $313,000 | $88,000 | $202,000 |
| Employment History | 8 | $1,351,000 | $168,000 | $374,000 | $99,000 | $300,000 |
| 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 2012 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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