Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 8,102 mortgage applications totaling $1.3 billion, up 28% from 2014. The average application was for $165,792, and applicants reported an average income of $96,013. 73% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati, OH-KY-IN (6,359), Lexington-Fayette, KY (1,240) and Dayton, OH (56) (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 | 8,102 |
| Total Mortgage Loan Application Amount | $1,343,247,000 |
| Average Mortgage Loan Application Amount | $165,792 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $96,013 |
| Highest Applicant Income | $2,487,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 4,541 | $721,672,000 | $158,000 | $1,850,000 | $94,000 | $1,147,000 |
| Home Purchase | 3,063 | $535,281,000 | $174,000 | $2,800,000 | $99,000 | $2,487,000 |
| Home Improvement | 498 | $86,294,000 | $173,000 | $3,750,000 | $96,000 | $757,000 |
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 | 7,224 | $1,184,162,000 | $163,000 | $2,800,000 | $98,000 | $2,487,000 |
| Asian | 243 | $46,226,000 | $190,000 | $2,300,000 | $133,000 | $1,349,000 |
| Not Provided | 234 | $37,362,000 | $159,000 | $765,000 | $100,000 | $595,000 |
| Black or African American | 165 | $21,895,000 | $132,000 | $396,000 | $75,000 | $272,000 |
| Not applicable | 154 | $41,677,000 | $270,000 | $3,750,000 | $0 | $0 |
| Hispanic | 70 | $10,277,000 | $146,000 | $417,000 | $99,000 | $552,000 |
| American Indian or Alaskan Native | 9 | $956,000 | $106,000 | $210,000 | $59,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $692,000 | $230,000 | $400,000 | $98,000 | $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) | 7,356 | $1,237,770,000 | $168,000 | $3,750,000 | $100,000 | $2,487,000 |
| FHA-insured (Federal Housing Administration) | 578 | $78,508,000 | $135,000 | $330,000 | $55,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 104 | $18,314,000 | $176,000 | $504,000 | $74,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $8,655,000 | $135,000 | $214,000 | $52,000 | $92,000 |
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 | 5,888 | $989,112,000 | $167,000 | $3,750,000 | $100,000 | $2,487,000 |
| Application Denied By Financial Institution | 1,624 | $254,223,000 | $156,000 | $2,688,000 | $79,000 | $1,147,000 |
| Application Withdrawn By Applicant | 473 | $81,749,000 | $172,000 | $1,996,000 | $101,000 | $508,000 |
| Application Approved But Not Accepted | 110 | $17,384,000 | $158,000 | $417,000 | $119,000 | $2,283,000 |
| Loan Purchased By The Institution | 7 | $779,000 | $111,000 | $218,000 | $92,000 | $152,000 |
| 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 | 478 | $76,569,000 | $160,000 | $1,040,000 | $57,000 | $371,000 |
| Credit History | 432 | $58,152,000 | $134,000 | $810,000 | $77,000 | $420,000 |
| Collateral | 375 | $65,040,000 | $173,000 | $950,000 | $105,000 | $983,000 |
| Credit Application Incomplete | 204 | $32,774,000 | $160,000 | $680,000 | $88,000 | $1,147,000 |
| Other | 88 | $16,152,000 | $183,000 | $2,688,000 | $80,000 | $497,000 |
| Employment History | 24 | $2,459,000 | $102,000 | $271,000 | $52,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,880,000 | $144,000 | $417,000 | $95,000 | $282,000 |
| Unverifiable Information | 10 | $1,197,000 | $119,000 | $244,000 | $45,000 | $144,000 |
| 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 2015 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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