Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2014
In 2014, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 6,352 mortgage applications totaling $984.5 million, down 43% from 2013. The average application was for $154,987, and applicants reported an average income of $89,281. 74% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati, OH-KY-IN (5,072), Lexington-Fayette, KY (899) and Louisville/Jefferson County, KY-IN (40) (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 | 6,352 |
| Total Mortgage Loan Application Amount | $984,481,000 |
| Average Mortgage Loan Application Amount | $154,987 |
| Highest Mortgage Loan Application Amount | $4,240,000 |
| Average Applicant Income | $89,281 |
| Highest Applicant Income | $2,575,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 3,293 | $487,290,000 | $147,000 | $2,480,000 | $85,000 | $2,282,000 |
| Home Purchase | 2,723 | $444,950,000 | $163,000 | $3,600,000 | $94,000 | $2,575,000 |
| Home Improvement | 336 | $52,241,000 | $155,000 | $4,240,000 | $93,000 | $481,000 |
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 | 5,567 | $849,759,000 | $152,000 | $1,811,000 | $92,000 | $2,575,000 |
| Black or African American | 206 | $25,599,000 | $124,000 | $418,000 | $69,000 | $486,000 |
| Not Provided | 189 | $26,929,000 | $142,000 | $440,000 | $89,000 | $281,000 |
| Asian | 176 | $32,496,000 | $184,000 | $905,000 | $109,000 | $1,004,000 |
| Not applicable | 139 | $38,517,000 | $277,000 | $4,240,000 | $0 | $0 |
| Hispanic | 59 | $8,777,000 | $148,000 | $570,000 | $89,000 | $481,000 |
| American Indian or Alaskan Native | 13 | $1,839,000 | $141,000 | $260,000 | $68,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $565,000 | $188,000 | $260,000 | $95,000 | $136,000 |
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) | 5,824 | $913,114,000 | $156,000 | $4,240,000 | $92,000 | $2,575,000 |
| FHA-insured (Federal Housing Administration) | 414 | $52,216,000 | $126,000 | $337,000 | $57,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 99 | $17,024,000 | $171,000 | $445,000 | $74,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,127,000 | $141,000 | $268,000 | $54,000 | $103,000 |
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 | 4,670 | $737,579,000 | $157,000 | $4,240,000 | $93,000 | $2,575,000 |
| Application Denied By Financial Institution | 1,234 | $176,640,000 | $143,000 | $1,600,000 | $74,000 | $816,000 |
| Application Withdrawn By Applicant | 331 | $54,096,000 | $163,000 | $878,000 | $102,000 | $2,282,000 |
| Application Approved But Not Accepted | 102 | $13,893,000 | $136,000 | $425,000 | $77,000 | $322,000 |
| Loan Purchased By The Institution | 15 | $2,273,000 | $151,000 | $372,000 | $51,000 | $205,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 368 | $48,644,000 | $132,000 | $542,000 | $70,000 | $275,000 |
| Collateral | 325 | $47,572,000 | $146,000 | $1,600,000 | $88,000 | $422,000 |
| Debt-To-Income Ratio | 264 | $42,182,000 | $159,000 | $765,000 | $56,000 | $339,000 |
| Credit Application Incomplete | 205 | $30,178,000 | $147,000 | $550,000 | $84,000 | $372,000 |
| Other | 48 | $5,408,000 | $112,000 | $418,000 | $90,000 | $816,000 |
| Employment History | 14 | $1,476,000 | $105,000 | $256,000 | $48,000 | $118,000 |
| Unverifiable Information | 9 | $1,012,000 | $112,000 | $236,000 | $52,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $168,000 | $168,000 | $168,000 | $86,000 | $86,000 |
| 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 2014 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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