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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 & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARANTY BANK & TRUST CO. |
| Address | 517 NINTH STREET, SUITE 100
HUNTINGTON, WV 25701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 45 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,306,000 |
| Average Mortgage Loan Amount Applied For | $262,142 |
| Highest Mortgage Loan Amount Applied For | $1,135,000 |
| Average Applicant Income | $87,285 |
| Highest Applicant Income | $1,251,000 |
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| Home Improvement |
11 | $283,000 |
$25,000 | $101,000 |
$83,000 | $187,000 |
| Home Purchase |
24 | $4,606,000 |
$191,000 | $750,000 |
$176,000 | $1,251,000 |
| Refinancing |
12 | $2,370,000 |
$197,000 | $1,135,000 |
$68,000 | $148,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $3,362,000 |
$560,000 | $1,135,000 |
$192,000 | $1,155,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
41 | $3,897,000 |
$95,000 | $670,000 |
$117,000 | $1,251,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
47 | $7,259,000 |
$154,000 | $1,135,000 |
$126,000 | $1,251,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $65,000 |
$32,000 | $50,000 |
$36,000 | $48,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
45 | $7,194,000 |
$159,000 | $1,135,000 |
$130,000 | $1,251,000 |
| 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 |
2 | $65,000 |
$32,000 | $50,000 |
$36,000 | $48,000 |
| 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 & TRUST CO. by:
Metropolitan Area And
County
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