Guardian Savings Bank, A Federal Savings Bank Mortgage Lending & HMDA Data, 2020
In 2020, Guardian Savings Bank, A Federal Savings Bank of West Chester, OH reported 9,517 mortgage applications totaling $1.8 billion, up 73% from 2019. The average application was for $192,752, and applicants reported an average income of $116,692. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Cincinnati, OH-KY-IN (7,191), Lexington-Fayette, KY (1,711) and Louisville/Jefferson County, KY-IN (92) (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 | 9,517 |
| Total Mortgage Loan Application Amount | $1,834,425,000 |
| Average Mortgage Loan Application Amount | $192,752 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $116,692 |
| Highest Applicant Income | $2,755,000 |
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Savings Bank, A Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 5,627 | $1,060,945,000 | $188,000 | $1,505,000 | $118,000 | $2,755,000 |
| Cash-out Refinancing | 2,104 | $390,940,000 | $185,000 | $805,000 | $113,000 | $1,962,000 |
| Home Purchase | 1,735 | $375,405,000 | $216,000 | $1,075,000 | $117,000 | $1,930,000 |
| Home Improvement | 29 | $3,845,000 | $132,000 | $345,000 | $107,000 | $377,000 |
| Other Purpose | 22 | $3,290,000 | $149,000 | $655,000 | $124,000 | $466,000 |
| 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 | 7,798 | $1,512,140,000 | $193,000 | $1,075,000 | $117,000 | $1,962,000 |
| Not Provided | 1,138 | $212,500,000 | $186,000 | $855,000 | $123,000 | $2,755,000 |
| Asian | 299 | $55,485,000 | $185,000 | $1,505,000 | $111,000 | $1,978,000 |
| Black or African American | 166 | $29,340,000 | $176,000 | $715,000 | $91,000 | $238,000 |
| Hispanic | 79 | $16,305,000 | $206,000 | $615,000 | $122,000 | $450,000 |
| Not applicable | 17 | $4,905,000 | $288,000 | $805,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $1,905,000 | $173,000 | $335,000 | $78,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $245,000 | $79,000 | $98,000 |
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) | 9,123 | $1,760,535,000 | $192,000 | $1,505,000 | $119,000 | $2,755,000 |
| FHA-insured (Federal Housing Administration) | 263 | $43,835,000 | $166,000 | $385,000 | $64,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 112 | $26,510,000 | $236,000 | $565,000 | $88,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,545,000 | $186,000 | $445,000 | $63,000 | $252,000 |
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 | 6,982 | $1,348,710,000 | $193,000 | $1,505,000 | $119,000 | $1,978,000 |
| Application Denied By Financial Institution | 1,525 | $286,565,000 | $187,000 | $815,000 | $106,000 | $1,962,000 |
| Application Withdrawn By Applicant | 699 | $138,985,000 | $198,000 | $875,000 | $120,000 | $2,755,000 |
| Application Approved But Not Accepted | 310 | $60,050,000 | $193,000 | $615,000 | $125,000 | $858,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $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 | 7,992 | $1,547,860,000 | $193,000 | $1,505,000 | $119,000 | $2,755,000 |
| Credit Application Incomplete | 677 | $133,245,000 | $196,000 | $815,000 | $123,000 | $1,962,000 |
| Debt-To-Income Ratio | 371 | $67,185,000 | $181,000 | $665,000 | $64,000 | $279,000 |
| Credit History | 238 | $40,290,000 | $169,000 | $565,000 | $102,000 | $900,000 |
| Collateral | 102 | $21,520,000 | $210,000 | $625,000 | $132,000 | $1,246,000 |
| Other | 84 | $15,350,000 | $182,000 | $715,000 | $141,000 | $1,246,000 |
| Unverifiable Information | 28 | $4,900,000 | $175,000 | $715,000 | $111,000 | $510,000 |
| Employment History | 18 | $2,770,000 | $153,000 | $245,000 | $72,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,305,000 | $186,000 | $345,000 | $101,000 | $226,000 |
| 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 2020 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About