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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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GUARANTY BANK AND TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARANTY BANK AND TRUST CO |
| Address | 1331 SEVENTEENTH STREET
DENVER, CO 80202 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 358 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $79,891,000 |
| Average Mortgage Loan Amount Applied For | $208,894 |
| Highest Mortgage Loan Amount Applied For | $1,990,000 |
| Average Applicant Income | $148,947 |
| Highest Applicant Income | $1,250,000 |
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| Home Improvement |
86 | $4,840,000 |
$56,000 | $1,590,000 |
$73,000 | $362,000 |
| Home Purchase |
152 | $39,946,000 |
$262,000 | $1,700,000 |
$147,000 | $1,250,000 |
| Refinancing |
120 | $35,105,000 |
$292,000 | $1,990,000 |
$129,000 | $1,000,000 |
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| American Indian or Alaskan Native |
1 | $3,000 |
$3,000 | $3,000 |
$48,000 | $48,000 |
| Asian |
1 | $194,000 |
$194,000 | $194,000 |
$108,000 | $108,000 |
| Black or African American |
2 | $125,000 |
$62,000 | $114,000 |
$72,000 | $116,000 |
| Hispanic |
14 | $1,505,000 |
$107,000 | $480,000 |
$66,000 | $167,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $1,178,000 |
$392,000 | $555,000 |
$680,000 | $990,000 |
| Not applicable |
14 | $5,492,000 |
$392,000 | $1,480,000 |
$34,000 | $374,000 |
| Not Provided |
37 | $9,795,000 |
$264,000 | $1,700,000 |
$107,000 | $401,000 |
| White |
286 | $61,599,000 |
$215,000 | $1,990,000 |
$128,000 | $1,250,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
347 | $78,104,000 |
$225,000 | $1,990,000 |
$126,000 | $1,250,000 |
| FHA-insured (Federal Housing Administration) |
10 | $1,513,000 |
$151,000 | $217,000 |
$57,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $274,000 |
$274,000 | $274,000 |
$81,000 | $81,000 |
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| Application Approved But Not Accepted |
34 | $10,342,000 |
$304,000 | $1,590,000 |
$185,000 | $990,000 |
| Application Denied By Financial Institution |
37 | $3,768,000 |
$101,000 | $624,000 |
$86,000 | $200,000 |
| Application Withdrawn By Applicant |
43 | $13,444,000 |
$312,000 | $1,600,000 |
$158,000 | $1,250,000 |
| File Closed For Incompleteness |
1 | $9,000 |
$9,000 | $9,000 |
$121,000 | $121,000 |
| Loan Originated |
243 | $52,328,000 |
$215,000 | $1,990,000 |
$115,000 | $1,000,000 |
| Loan Purchased By The Institution |
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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for GUARANTY BANK AND TRUST CO by:
Metropolitan Area And
County
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