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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARANTY BANK |
| Address | 8333 DOUGLAS AVENUE
DALLAS, TX 75225 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 21,083 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,407,801,000 |
| Average Mortgage Loan Amount Applied For | $269,768 |
| Highest Mortgage Loan Amount Applied For | $50,000,000 |
| Average Applicant Income | $89,524 |
| Highest Applicant Income | $7,840,000 |
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| Home Improvement |
142 | $21,599,000 |
$152,000 | $1,970,000 |
$87,000 | $840,000 |
| Home Purchase |
16,149 | $4,896,534,000 |
$303,000 | $99,999,000 |
$82,000 | $3,923,000 |
| Refinancing |
4,845 | $1,242,047,000 |
$256,000 | $2,475,000 |
$103,000 | $7,840,000 |
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| American Indian or Alaskan Native |
60 | $15,655,000 |
$260,000 | $666,000 |
$85,000 | $420,000 |
| Asian |
916 | $296,515,000 |
$323,000 | $1,830,000 |
$129,000 | $1,826,000 |
| Black or African American |
1,141 | $227,802,000 |
$199,000 | $1,470,000 |
$75,000 | $3,250,000 |
| Hispanic |
2,330 | $577,698,000 |
$247,000 | $2,340,000 |
$79,000 | $2,400,000 |
| Native Hawaiin or Other Pacific Islander |
123 | $37,698,000 |
$306,000 | $912,000 |
$101,000 | $518,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
5,056 | $2,304,385,000 |
$455,000 | $99,999,000 |
$57,000 | $3,811,000 |
| White |
11,510 | $2,700,427,000 |
$234,000 | $4,900,000 |
$99,000 | $7,840,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
18,852 | $5,805,127,000 |
$307,000 | $99,999,000 |
$91,000 | $7,840,000 |
| FHA-insured (Federal Housing Administration) |
1,634 | $218,646,000 |
$133,000 | $405,000 |
$47,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
8 | $1,149,000 |
$143,000 | $392,000 |
$34,000 | $97,000 |
| VA-guaranteed (Veterans Administration) |
642 | $135,258,000 |
$210,000 | $582,000 |
$67,000 | $288,000 |
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| Application Approved But Not Accepted |
188 | $39,819,000 |
$211,000 | $1,113,000 |
$104,000 | $660,000 |
| Application Denied By Financial Institution |
561 | $94,000,000 |
$167,000 | $2,340,000 |
$96,000 | $1,817,000 |
| Application Withdrawn By Applicant |
17 | $2,643,000 |
$155,000 | $377,000 |
$63,000 | $168,000 |
| File Closed For Incompleteness |
6 | $470,000 |
$78,000 | $118,000 |
$234,000 | $1,094,000 |
| Loan Originated |
610 | $1,097,959,000 |
$1,799,000 | $99,999,000 |
$94,000 | $3,923,000 |
| Loan Purchased By The Institution |
19,754 | $4,925,289,000 |
$249,000 | $2,940,000 |
$86,000 | $7,840,000 |
| 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 |
64 | $12,244,000 |
$191,000 | $2,340,000 |
$82,000 | $663,000 |
| Credit Application Incomplete |
38 | $10,890,000 |
$286,000 | $975,000 |
$102,000 | $300,000 |
| Credit History |
206 | $22,849,000 |
$110,000 | $650,000 |
$63,000 | $540,000 |
| Debt-To-Income Ratio |
109 | $16,214,000 |
$148,000 | $1,225,000 |
$61,000 | $720,000 |
| Employment History |
16 | $5,640,000 |
$352,000 | $1,000,000 |
$125,000 | $359,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
27 | $7,254,000 |
$268,000 | $1,461,000 |
$138,000 | $734,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
42 | $7,348,000 |
$174,000 | $1,688,000 |
$320,000 | $1,817,000 |
| Unverifiable Information |
59 | $11,561,000 |
$195,000 | $780,000 |
$95,000 | $480,000 |
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Mortgage Loan App Totals for GUARANTY BANK by:
Metropolitan Area And
County
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