Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2018
In 2018, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 4,307 mortgage applications totaling $742.5 million, down 19% from 2017. The average application was for $172,392, and applicants reported an average income of $101,573. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Cincinnati, OH-KY-IN (3,353), Lexington-Fayette, KY (592) and Indianapolis-Carmel-Anderson, IN (43) (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 | 4,307 |
| Total Mortgage Loan Application Amount | $742,495,000 |
| Average Mortgage Loan Application Amount | $172,392 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $101,573 |
| Highest Applicant Income | $1,125,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 2,455 | $473,205,000 | $192,000 | $1,145,000 | $107,000 | $1,125,000 |
| Cash-out Refinancing | 779 | $125,025,000 | $160,000 | $685,000 | $98,000 | $521,000 |
| Refinancing | 779 | $134,275,000 | $172,000 | $1,155,000 | $105,000 | $990,000 |
| Home Improvement | 255 | $4,615,000 | $18,000 | $275,000 | $53,000 | $448,000 |
| Other Purpose | 38 | $5,230,000 | $137,000 | $425,000 | $80,000 | $230,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $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 | 3,356 | $614,250,000 | $183,000 | $1,155,000 | $106,000 | $990,000 |
| Black or African American | 346 | $21,570,000 | $62,000 | $505,000 | $57,000 | $769,000 |
| Not Provided | 315 | $53,955,000 | $171,000 | $805,000 | $108,000 | $1,125,000 |
| Not applicable | 122 | $25,230,000 | $206,000 | $965,000 | $0 | $0 |
| Asian | 120 | $20,020,000 | $166,000 | $435,000 | $96,000 | $395,000 |
| Hispanic | 36 | $5,880,000 | $163,000 | $415,000 | $111,000 | $420,000 |
| American Indian or Alaskan Native | 8 | $1,040,000 | $130,000 | $205,000 | $91,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $215,000 | $63,000 | $105,000 |
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) | 3,834 | $670,160,000 | $174,000 | $1,155,000 | $106,000 | $1,125,000 |
| FHA-insured (Federal Housing Administration) | 379 | $54,435,000 | $143,000 | $305,000 | $65,000 | $960,000 |
| VA-guaranteed (Veterans Administration) | 57 | $11,685,000 | $205,000 | $365,000 | $77,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $6,215,000 | $167,000 | $335,000 | $60,000 | $110,000 |
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 | 3,033 | $519,595,000 | $171,000 | $965,000 | $103,000 | $1,125,000 |
| Application Denied By Financial Institution | 597 | $94,475,000 | $158,000 | $1,145,000 | $86,000 | $990,000 |
| Application Withdrawn By Applicant | 516 | $97,910,000 | $189,000 | $1,155,000 | $112,000 | $990,000 |
| Loan Purchased By The Institution | 99 | $20,155,000 | $203,000 | $455,000 | $0 | $0 |
| Application Approved But Not Accepted | 62 | $10,360,000 | $167,000 | $755,000 | $103,000 | $283,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,710 | $648,020,000 | $174,000 | $1,155,000 | $104,000 | $1,125,000 |
| Debt-To-Income Ratio | 191 | $32,535,000 | $170,000 | $1,145,000 | $62,000 | $247,000 |
| Credit Application Incomplete | 132 | $22,130,000 | $167,000 | $455,000 | $110,000 | $990,000 |
| Credit History | 119 | $16,395,000 | $137,000 | $465,000 | $85,000 | $288,000 |
| Collateral | 95 | $15,465,000 | $162,000 | $415,000 | $104,000 | $279,000 |
| Other | 47 | $6,125,000 | $130,000 | $635,000 | $92,000 | $432,000 |
| Employment History | 6 | $700,000 | $116,000 | $165,000 | $37,000 | $51,000 |
| Unverifiable Information | 4 | $390,000 | $97,000 | $165,000 | $58,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $455,000 | $94,000 | $182,000 |
| 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 2018 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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