Guarantee Home Loans Mortgage Lending & HMDA Data, 2011
In 2011, Guarantee Home Loans of Fresno, CA reported 59 mortgage applications totaling $10.8 million, up 157% from 2010. The average application was for $182,779, and applicants reported an average income of $89,677. 0% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Fresno, CA (56), Madera-Chowchilla, CA (1) and Modesto, CA (1) (applications in parentheses).
| Mortgage Company & Address | Guarantee Home Loans 7088 N. Maple Avenue #105 Fresno, CA 93720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 59 |
| Total Mortgage Loan Application Amount | $10,784,000 |
| Average Mortgage Loan Application Amount | $182,779 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $89,677 |
| Highest Applicant Income | $287,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guarantee Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fresno, California | 56 | $ 10,238,000 | $ 182,821 | $ 91,000 |
| Madera, California | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| San Luis Obispo, California | 1 | $ 304,000 | $ 304,000 | $ 93,000 |
| Stanislaus, California | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Guarantee Home Loans in 2011
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 | 44 | $7,452,000 | $169,000 | $417,000 | $79,000 | $258,000 |
| Refinancing | 15 | $3,332,000 | $222,000 | $417,000 | $121,000 | $287,000 |
| Home Improvement | 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 | 45 | $8,976,000 | $199,000 | $417,000 | $96,000 | $287,000 |
| Hispanic | 10 | $1,318,000 | $131,000 | $369,000 | $75,000 | $219,000 |
| Asian | 2 | $172,000 | $86,000 | $112,000 | $48,000 | $60,000 |
| American Indian or Alaskan Native | 1 | $136,000 | $136,000 | $136,000 | $28,000 | $28,000 |
| Not Provided | 1 | $182,000 | $182,000 | $182,000 | $87,000 | $87,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 35 | $6,641,000 | $189,000 | $417,000 | $108,000 | $287,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,824,000 | $166,000 | $381,000 | $61,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 1 | $319,000 | $319,000 | $319,000 | $91,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 39 | $7,059,000 | $181,000 | $417,000 | $93,000 | $287,000 |
| Application Denied By Financial Institution | 19 | $3,421,000 | $180,000 | $400,000 | $80,000 | $213,000 |
| File Closed For Incompleteness | 1 | $304,000 | $304,000 | $304,000 | $93,000 | $93,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 7 | $1,683,000 | $240,000 | $400,000 | $115,000 | $213,000 |
| Debt-To-Income Ratio | 3 | $421,000 | $140,000 | $172,000 | $64,000 | $77,000 |
| Employment History | 3 | $479,000 | $159,000 | $270,000 | $67,000 | $106,000 |
| Credit History | 2 | $332,000 | $166,000 | $215,000 | $60,000 | $87,000 |
| Unverifiable Information | 2 | $233,000 | $116,000 | $171,000 | $49,000 | $60,000 |
| Other | 1 | $192,000 | $192,000 | $192,000 | $56,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $81,000 | $81,000 | $81,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guarantee Home Loans's 2011 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 Guarantee Home Loans'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 California, download the full spreadsheet
with aggregated HMDA statistics today.
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