Guaranty Bank and Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Guaranty Bank and Trust Company of Denver, CO reported 3,235 mortgage applications totaling $558.7 million. The average application was for $172,694, and applicants reported an average income of $87,800. 44% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Denver-Aurora, CO (1,524), Cape Coral-Fort Myers, FL (153) and Chicago-Naperville-Joliet, IL (95) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank and Trust Company 1331 17th Street Denver, CO 80202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 3,235 |
| Total Mortgage Loan Application Amount | $558,666,000 |
| Average Mortgage Loan Application Amount | $172,694 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $87,800 |
| Highest Applicant Income | $8,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Arapahoe, Colorado | 387 | $ 70,556,000 | $ 182,315 | $ 86,000 |
| Denver, Colorado | 321 | $ 57,005,000 | $ 177,585 | $ 108,000 |
| Jefferson, Colorado | 315 | $ 53,426,000 | $ 169,606 | $ 85,000 |
| Adams, Colorado | 254 | $ 35,211,000 | $ 138,625 | $ 58,000 |
| Douglas, Colorado | 196 | $ 46,736,000 | $ 238,448 | $ 84,000 |
| Lee, Florida | 153 | $ 24,801,000 | $ 162,098 | $ 16,000 |
| Weld, Colorado | 78 | $ 12,605,000 | $ 161,602 | $ 59,000 |
| El Paso, Colorado | 77 | $ 12,525,000 | $ 162,662 | $ 51,000 |
| Cook, Illinois | 73 | $ 11,376,000 | $ 155,835 | $ 79,000 |
| Clark, Nevada | 73 | $ 14,308,000 | $ 196,000 | $ 113,000 |
| Boulder, Colorado | 50 | $ 12,481,000 | $ 249,620 | $ 71,000 |
| Maricopa, Arizona | 49 | $ 8,004,000 | $ 163,346 | $ 171,000 |
| Cumberland, North Carolina | 45 | $ 4,619,000 | $ 102,644 | $ 40,000 |
| Eagle, Colorado | 39 | $ 18,358,000 | $ 470,717 | $ 143,000 |
| Hennepin, Minnesota | 39 | $ 7,636,000 | $ 195,794 | $ 110,000 |
| Larimer, Colorado | 38 | $ 7,863,000 | $ 206,921 | $ 64,000 |
| Pueblo, Colorado | 25 | $ 2,360,000 | $ 94,400 | $ 39,000 |
| Hamilton, Ohio | 23 | $ 2,539,000 | $ 110,391 | $ 167,000 |
| Los Angeles, California | 19 | $ 6,558,000 | $ 345,157 | $ 155,000 |
| Salt Lake, Utah | 18 | $ 2,720,000 | $ 151,111 | $ 96,000 |
| Oakland, Michigan | 17 | $ 2,793,000 | $ 164,294 | $ 94,000 |
| Hoke, North Carolina | 16 | $ 2,146,000 | $ 134,125 | $ 50,000 |
| Clear Creek, Colorado | 15 | $ 2,807,000 | $ 187,133 | $ 86,000 |
| Logan, Colorado | 15 | $ 263,000 | $ 17,533 | $ 52,000 |
| Park, Colorado | 15 | $ 3,017,000 | $ 201,133 | $ 93,000 |
| Ramsey, Minnesota | 15 | $ 2,923,000 | $ 194,866 | $ 58,000 |
| Broomfield, Colorado | 14 | $ 2,166,000 | $ 154,714 | $ 90,000 |
| Summit, Colorado | 14 | $ 4,300,000 | $ 307,142 | $ 160,000 |
| Yuma, Colorado | 13 | $ 137,000 | $ 10,538 | $ 47,000 |
| Hartford, Connecticut | 13 | $ 1,888,000 | $ 145,230 | $ 81,000 |
| Wayne, Michigan | 13 | $ 1,094,000 | $ 84,153 | $ 105,000 |
| Dallas, Texas | 13 | $ 1,566,000 | $ 120,461 | $ 139,000 |
| Chaffee, Colorado | 12 | $ 2,246,000 | $ 187,166 | $ 61,000 |
| New Haven, Connecticut | 12 | $ 1,555,000 | $ 129,583 | $ 92,000 |
| Broward, Florida | 12 | $ 3,194,000 | $ 266,166 | $ 96,000 |
| Miami-Dade, Florida | 12 | $ 2,026,000 | $ 168,833 | $ 65,000 |
| Bernalillo, New Mexico | 12 | $ 1,465,000 | $ 122,083 | $ 28,000 |
| Harris, Texas | 12 | $ 1,082,000 | $ 90,166 | $ 73,000 |
| Washington, Colorado | 11 | $ 101,000 | $ 9,181 | $ 51,000 |
| Will, Illinois | 11 | $ 1,924,000 | $ 174,909 | $ 53,000 |
| Franklin, Ohio | 11 | $ 1,147,000 | $ 104,272 | $ 55,000 |
| Laramie, Wyoming | 11 | $ 1,555,000 | $ 141,363 | $ 64,000 |
| Prince George's, Maryland | 10 | $ 1,334,000 | $ 133,400 | $ 103,000 |
| Grand, Colorado | 9 | $ 2,325,000 | $ 258,333 | $ 176,000 |
| Morgan, Colorado | 9 | $ 309,000 | $ 34,333 | $ 37,000 |
| Pinellas, Florida | 9 | $ 2,005,000 | $ 222,777 | $ 145,000 |
| Dakota, Minnesota | 9 | $ 1,549,000 | $ 172,111 | $ 85,000 |
| Travis, Texas | 9 | $ 1,240,000 | $ 137,777 | $ 119,000 |
| Natrona, Wyoming | 9 | $ 94,000 | $ 10,444 | $ 48,000 |
| Elbert, Colorado | 8 | $ 1,943,000 | $ 242,875 | $ 74,000 |
| Phillips, Colorado | 8 | $ 68,000 | $ 8,500 | $ 61,000 |
| St. Louis, Missouri | 8 | $ 1,477,000 | $ 184,625 | $ 73,000 |
| Cheyenne, Nebraska | 8 | $ 92,000 | $ 11,500 | $ 48,000 |
| Tarrant, Texas | 8 | $ 1,005,000 | $ 125,625 | $ 76,000 |
| Mesa, Colorado | 7 | $ 796,000 | $ 113,714 | $ 69,000 |
| Hillsborough, Florida | 7 | $ 704,000 | $ 100,571 | $ 84,000 |
| Johnson, Kansas | 7 | $ 1,000,000 | $ 142,857 | $ 89,000 |
| Orange, California | 6 | $ 2,369,000 | $ 394,833 | $ 126,000 |
| Sacramento, California | 6 | $ 1,188,000 | $ 198,000 | $ 152,000 |
| San Bernardino, California | 6 | $ 915,000 | $ 152,500 | $ 97,000 |
| San Diego, California | 6 | $ 1,718,000 | $ 286,333 | $ 216,000 |
| Duval, Florida | 6 | $ 589,000 | $ 98,166 | $ 65,000 |
| DuPage, Illinois | 6 | $ 775,000 | $ 129,166 | $ 80,000 |
| Anoka, Minnesota | 6 | $ 1,061,000 | $ 176,833 | $ 89,000 |
| Wright, Minnesota | 6 | $ 984,000 | $ 164,000 | $ 107,000 |
| Pierce, Washington | 6 | $ 1,012,000 | $ 168,666 | $ 90,000 |
| Milwaukee, Wisconsin | 6 | $ 843,000 | $ 140,500 | $ 58,000 |
| Fairbanks North Star, Alaska | 5 | $ 872,000 | $ 174,400 | $ 82,000 |
| Pima, Arizona | 5 | $ 631,000 | $ 126,200 | $ 165,000 |
| Riverside, California | 5 | $ 1,112,000 | $ 222,400 | $ 113,000 |
| Collier, Florida | 5 | $ 1,690,000 | $ 338,000 | $ 200,000 |
| Monroe, Florida | 5 | $ 1,944,000 | $ 388,800 | $ 329,000 |
| Orange, Florida | 5 | $ 817,000 | $ 163,400 | $ 89,000 |
| DeKalb, Georgia | 5 | $ 846,000 | $ 169,200 | $ 91,000 |
| Marion, Indiana | 5 | $ 383,000 | $ 76,600 | $ 128,000 |
| St. Louis City, Missouri | 5 | $ 545,000 | $ 109,000 | $ 73,000 |
| Keith, Nebraska | 5 | $ 47,000 | $ 9,400 | $ 37,000 |
| Mecklenburg, North Carolina | 5 | $ 492,000 | $ 98,400 | $ 66,000 |
| Cuyahoga, Ohio | 5 | $ 332,000 | $ 66,400 | $ 62,000 |
| Providence, Rhode Island | 5 | $ 789,000 | $ 157,800 | $ 58,000 |
| Spartanburg, South Carolina | 5 | $ 313,000 | $ 62,600 | $ 37,000 |
| Collin, Texas | 5 | $ 792,000 | $ 158,400 | $ 240,000 |
| Utah, Utah | 5 | $ 517,000 | $ 103,400 | $ 48,000 |
| Clark, Washington | 5 | $ 730,000 | $ 146,000 | $ 97,000 |
| Whatcom, Washington | 5 | $ 976,000 | $ 195,200 | $ 78,000 |
| Pinal, Arizona | 4 | $ 428,000 | $ 107,000 | $ 85,000 |
| Santa Clara, California | 4 | $ 2,200,000 | $ 550,000 | $ 184,000 |
| Stanislaus, California | 4 | $ 631,000 | $ 157,750 | $ 103,000 |
| Moffat, Colorado | 4 | $ 109,000 | $ 27,250 | $ 26,000 |
| Fairfield, Connecticut | 4 | $ 2,666,000 | $ 666,500 | $ 1,367,000 |
| New London, Connecticut | 4 | $ 875,000 | $ 218,750 | $ 114,000 |
| New Castle, Delaware | 4 | $ 577,000 | $ 144,250 | $ 64,000 |
| Seminole, Florida | 4 | $ 738,000 | $ 184,500 | $ 40,000 |
| Fulton, Georgia | 4 | $ 840,000 | $ 210,000 | $ 110,000 |
| Lake, Illinois | 4 | $ 446,000 | $ 111,500 | $ 150,000 |
| Baltimore, Maryland | 4 | $ 795,000 | $ 198,750 | $ 74,000 |
| Montgomery, Maryland | 4 | $ 937,000 | $ 234,250 | $ 113,000 |
| Norfolk, Massachusetts | 4 | $ 775,000 | $ 193,750 | $ 114,000 |
| Genesee, Michigan | 4 | $ 377,000 | $ 94,250 | $ 57,000 |
| Washington, Minnesota | 4 | $ 964,000 | $ 241,000 | $ 155,000 |
| Jackson, Oregon | 4 | $ 790,000 | $ 197,500 | $ 73,000 |
| Multnomah, Oregon | 4 | $ 533,000 | $ 133,250 | $ 107,000 |
| Bell, Texas | 4 | $ 528,000 | $ 132,000 | $ 75,000 |
| Bexar, Texas | 4 | $ 432,000 | $ 108,000 | $ 61,000 |
| Davis, Utah | 4 | $ 506,000 | $ 126,500 | $ 97,000 |
| Carbon, Wyoming | 4 | $ 208,000 | $ 52,000 | $ 59,000 |
| Contra Costa, California | 3 | $ 568,000 | $ 189,333 | $ 77,000 |
| Gilpin, Colorado | 3 | $ 603,000 | $ 201,000 | $ 75,000 |
| Rio Blanco, Colorado | 3 | $ 29,000 | $ 9,666 | $ 33,000 |
| Teller, Colorado | 3 | $ 540,000 | $ 180,000 | $ 160,000 |
| Sussex, Delaware | 3 | $ 804,000 | $ 268,000 | $ 103,000 |
| Escambia, Florida | 3 | $ 421,000 | $ 140,333 | $ 30,000 |
| Palm Beach, Florida | 3 | $ 352,000 | $ 117,333 | $ 64,000 |
| St. Lucie, Florida | 3 | $ 231,000 | $ 77,000 | $ 52,000 |
| Walton, Florida | 3 | $ 547,000 | $ 182,333 | $ 150,000 |
| Black Hawk, Iowa | 3 | $ 327,000 | $ 109,000 | $ 58,000 |
| Macomb, Michigan | 3 | $ 310,000 | $ 103,333 | $ 76,000 |
| Carver, Minnesota | 3 | $ 745,000 | $ 248,333 | $ 121,000 |
| Isanti, Minnesota | 3 | $ 462,000 | $ 154,000 | $ 119,000 |
| Boone, Missouri | 3 | $ 375,000 | $ 125,000 | $ 91,000 |
| Clay, Missouri | 3 | $ 213,000 | $ 71,000 | $ 60,000 |
| Platte, Missouri | 3 | $ 335,000 | $ 111,666 | $ 76,000 |
| Washoe, Nevada | 3 | $ 965,000 | $ 321,666 | $ 108,000 |
| Harnett, North Carolina | 3 | $ 426,000 | $ 142,000 | $ 44,000 |
| Montgomery, Ohio | 3 | $ 322,000 | $ 107,333 | $ 147,000 |
| Clackamas, Oregon | 3 | $ 329,000 | $ 109,666 | $ 50,000 |
| Lauderdale, Tennessee | 3 | $ 221,000 | $ 73,666 | $ 41,000 |
| Denton, Texas | 3 | $ 363,000 | $ 121,000 | $ 61,000 |
| Montgomery, Alabama | 2 | $ 208,000 | $ 104,000 | $ 181,000 |
| Anchorage, Alaska | 2 | $ 439,000 | $ 219,500 | $ 48,000 |
| Coconino, Arizona | 2 | $ 371,000 | $ 185,500 | $ 69,000 |
| Nevada, California | 2 | $ 438,000 | $ 219,000 | $ 82,000 |
| San Joaquin, California | 2 | $ 491,000 | $ 245,500 | $ 45,000 |
| Bent, Colorado | 2 | $ 64,000 | $ 32,000 | $ 90,000 |
| Garfield, Colorado | 2 | $ 426,000 | $ 213,000 | $ 22,000 |
| Gunnison, Colorado | 2 | $ 453,000 | $ 226,500 | $ 88,000 |
| Rio Grande, Colorado | 2 | $ 131,000 | $ 65,500 | $ 27,000 |
| Manatee, Florida | 2 | $ 290,000 | $ 145,000 | $ 51,000 |
| Okaloosa, Florida | 2 | $ 224,000 | $ 112,000 | $ 123,000 |
| Pasco, Florida | 2 | $ 201,000 | $ 100,500 | $ 75,000 |
| Santa Rosa, Florida | 2 | $ 187,000 | $ 93,500 | $ 160,000 |
| St. Johns, Florida | 2 | $ 628,000 | $ 314,000 | $ 242,000 |
| Clayton, Georgia | 2 | $ 189,000 | $ 94,500 | $ 133,000 |
| Douglas, Georgia | 2 | $ 235,000 | $ 117,500 | $ 81,000 |
| Gwinnett, Georgia | 2 | $ 399,000 | $ 199,500 | $ 53,000 |
| Henry, Georgia | 2 | $ 183,000 | $ 91,500 | $ 59,000 |
| Elmore, Idaho | 2 | $ 332,000 | $ 166,000 | $ 80,000 |
| Kane, Illinois | 2 | $ 333,000 | $ 166,500 | $ 86,000 |
| McHenry, Illinois | 2 | $ 172,000 | $ 86,000 | $ 239,000 |
| Hendricks, Indiana | 2 | $ 212,000 | $ 106,000 | $ 115,000 |
| Hardin, Kentucky | 2 | $ 560,000 | $ 280,000 | $ 88,000 |
| Anne Arundel, Maryland | 2 | $ 219,000 | $ 109,500 | $ 43,000 |
| Charles, Maryland | 2 | $ 371,000 | $ 185,500 | $ 75,000 |
| Howard, Maryland | 2 | $ 299,000 | $ 149,500 | $ 57,000 |
| Kent, Michigan | 2 | $ 231,000 | $ 115,500 | $ 64,000 |
| Blue Earth, Minnesota | 2 | $ 171,000 | $ 85,500 | $ 80,000 |
| Rice, Minnesota | 2 | $ 268,000 | $ 134,000 | $ 48,000 |
| Sherburne, Minnesota | 2 | $ 295,000 | $ 147,500 | $ 66,000 |
| Jackson, Missouri | 2 | $ 333,000 | $ 166,500 | $ 124,000 |
| St. Charles, Missouri | 2 | $ 247,000 | $ 123,500 | $ 16,000 |
| Douglas, Nebraska | 2 | $ 101,000 | $ 50,500 | $ 84,000 |
| Lancaster, Nebraska | 2 | $ 175,000 | $ 87,500 | $ 84,000 |
| Douglas, Nevada | 2 | $ 628,000 | $ 314,000 | $ 0 |
| Nye, Nevada | 2 | $ 214,000 | $ 107,000 | $ 50,000 |
| Santa Fe, New Mexico | 2 | $ 570,000 | $ 285,000 | $ 164,000 |
| Chenango, New York | 2 | $ 129,000 | $ 64,500 | $ 52,000 |
| Brunswick, North Carolina | 2 | $ 306,000 | $ 153,000 | $ 95,000 |
| Wake, North Carolina | 2 | $ 120,000 | $ 60,000 | $ 70,000 |
| Oklahoma, Oklahoma | 2 | $ 137,000 | $ 68,500 | $ 58,000 |
| Greenville, South Carolina | 2 | $ 909,000 | $ 454,500 | $ 75,000 |
| Horry, South Carolina | 2 | $ 325,000 | $ 162,500 | $ 163,000 |
| Davidson, Tennessee | 2 | $ 61,000 | $ 30,500 | $ 91,000 |
| Hamilton, Tennessee | 2 | $ 171,000 | $ 85,500 | $ 71,000 |
| Montgomery, Tennessee | 2 | $ 197,000 | $ 98,500 | $ 40,000 |
| Galveston, Texas | 2 | $ 314,000 | $ 157,000 | $ 92,000 |
| Box Elder, Utah | 2 | $ 372,000 | $ 186,000 | $ 112,000 |
| Washington, Utah | 2 | $ 210,000 | $ 105,000 | $ 59,000 |
| Prince William, Virginia | 2 | $ 516,000 | $ 258,000 | $ 44,000 |
| Richmond City, Virginia | 2 | $ 105,000 | $ 52,500 | $ 98,000 |
| King, Washington | 2 | $ 512,000 | $ 256,000 | $ 43,000 |
| Snohomish, Washington | 2 | $ 492,000 | $ 246,000 | $ 91,000 |
| Sheboygan, Wisconsin | 2 | $ 269,000 | $ 134,500 | $ 97,000 |
| Converse, Wyoming | 2 | $ 19,000 | $ 9,500 | $ 46,000 |
| Sweetwater, Wyoming | 2 | $ 17,000 | $ 8,500 | $ 43,000 |
| Baldwin, Alabama | 1 | $ 256,000 | $ 256,000 | $ 61,000 |
| Madison, Alabama | 1 | $ 100,000 | $ 100,000 | $ 157,000 |
| Mohave, Arizona | 1 | $ 163,000 | $ 163,000 | $ 180,000 |
| Santa Cruz, Arizona | 1 | $ 434,000 | $ 434,000 | $ 210,000 |
| Yuma, Arizona | 1 | $ 111,000 | $ 111,000 | $ 130,000 |
| Garland, Arkansas | 1 | $ 79,000 | $ 79,000 | $ 0 |
| El Dorado, California | 1 | $ 188,000 | $ 188,000 | $ 115,000 |
| Fresno, California | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Kern, California | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| Kings, California | 1 | $ 107,000 | $ 107,000 | $ 73,000 |
| Merced, California | 1 | $ 182,000 | $ 182,000 | $ 111,000 |
| Monterey, California | 1 | $ 405,000 | $ 405,000 | $ 96,000 |
| San Francisco, California | 1 | $ 489,000 | $ 489,000 | $ 133,000 |
| Santa Cruz, California | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Shasta, California | 1 | $ 191,000 | $ 191,000 | $ 62,000 |
| Solano, California | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Tehama, California | 1 | $ 184,000 | $ 184,000 | $ 102,000 |
| Alamosa, Colorado | 1 | $ 4,000 | $ 4,000 | $ 38,000 |
| Archuleta, Colorado | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Delta, Colorado | 1 | $ 109,000 | $ 109,000 | $ 120,000 |
| Fremont, Colorado | 1 | $ 18,000 | $ 18,000 | $ 140,000 |
| Huerfano, Colorado | 1 | $ 2,000,000 | $ 2,000,000 | $ 444,000 |
| Montezuma, Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Montrose, Colorado | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Pitkin, Colorado | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Routt, Colorado | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Middlesex, Connecticut | 1 | $ 106,000 | $ 106,000 | $ 109,000 |
| Bay, Florida | 1 | $ 62,000 | $ 62,000 | $ 108,000 |
| Charlotte, Florida | 1 | $ 217,000 | $ 217,000 | $ 132,000 |
| Clay, Florida | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Franklin, Florida | 1 | $ 399,000 | $ 399,000 | $ 95,000 |
| Leon, Florida | 1 | $ 121,000 | $ 121,000 | $ 100,000 |
| Polk, Florida | 1 | $ 180,000 | $ 180,000 | $ 77,000 |
| Barrow, Georgia | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Gilmer, Georgia | 1 | $ 109,000 | $ 109,000 | $ 126,000 |
| Hall, Georgia | 1 | $ 84,000 | $ 84,000 | $ 87,000 |
| Peach, Georgia | 1 | $ 134,000 | $ 134,000 | $ 78,000 |
| Honolulu, Hawaii | 1 | $ 356,000 | $ 356,000 | $ 1,520,000 |
| Latah, Idaho | 1 | $ 81,000 | $ 81,000 | $ 117,000 |
| Kendall, Illinois | 1 | $ 157,000 | $ 157,000 | $ 41,000 |
| St. Clair, Illinois | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Tazewell, Illinois | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Hamilton, Indiana | 1 | $ 186,000 | $ 186,000 | $ 32,000 |
| Lake, Indiana | 1 | $ 156,000 | $ 156,000 | $ 90,000 |
| Morgan, Indiana | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| St. Joseph, Indiana | 1 | $ 152,000 | $ 152,000 | $ 237,000 |
| Guthrie, Iowa | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| Marion, Iowa | 1 | $ 113,000 | $ 113,000 | $ 84,000 |
| Scott, Iowa | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Leavenworth, Kansas | 1 | $ 128,000 | $ 128,000 | $ 109,000 |
| Shawnee, Kansas | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Jefferson, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 78,000 |
| East Baton Rouge, Louisiana | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Jefferson, Louisiana | 1 | $ 99,000 | $ 99,000 | $ 61,000 |
| St. Mary, Louisiana | 1 | $ 76,000 | $ 76,000 | $ 18,000 |
| Baltimore City, Maryland | 1 | $ 267,000 | $ 267,000 | $ 82,000 |
| Frederick, Maryland | 1 | $ 144,000 | $ 144,000 | $ 168,000 |
| Somerset, Maryland | 1 | $ 54,000 | $ 54,000 | $ 135,000 |
| St. Mary's, Maryland | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Wicomico, Maryland | 1 | $ 68,000 | $ 68,000 | $ 138,000 |
| Essex, Massachusetts | 1 | $ 354,000 | $ 354,000 | $ 77,000 |
| Plymouth, Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 136,000 |
| Jackson, Michigan | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Lenawee, Michigan | 1 | $ 156,000 | $ 156,000 | $ 66,000 |
| Livingston, Michigan | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Marquette, Michigan | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Washtenaw, Michigan | 1 | $ 236,000 | $ 236,000 | $ 77,000 |
| Clay, Minnesota | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Clearwater, Minnesota | 1 | $ 312,000 | $ 312,000 | $ 60,000 |
| Crow Wing, Minnesota | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Hubbard, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Meeker, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 61,000 |
| Pine, Minnesota | 1 | $ 98,000 | $ 98,000 | $ 104,000 |
| Stearns, Minnesota | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Christian, Missouri | 1 | $ 132,000 | $ 132,000 | $ 87,000 |
| Greene, Missouri | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Jefferson, Missouri | 1 | $ 102,000 | $ 102,000 | $ 102,000 |
| Lincoln, Missouri | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Pulaski, Missouri | 1 | $ 101,000 | $ 101,000 | $ 76,000 |
| Cascade, Montana | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Yellowstone, Montana | 1 | $ 117,000 | $ 117,000 | $ 67,000 |
| Dawson, Nebraska | 1 | $ 6,000 | $ 6,000 | $ 52,000 |
| Platte, Nebraska | 1 | $ 28,000 | $ 28,000 | $ 42,000 |
| Red Willow, Nebraska | 1 | $ 14,000 | $ 14,000 | $ 21,000 |
| Scotts Bluff, Nebraska | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Elko, Nevada | 1 | $ 82,000 | $ 82,000 | $ 92,000 |
| Bergen, New Jersey | 1 | $ 999,000 | $ 999,000 | $ 8,500,000 |
| Middlesex, New Jersey | 1 | $ 263,000 | $ 263,000 | $ 46,000 |
| Sandoval, New Mexico | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Caldwell, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 41,000 |
| Durham, North Carolina | 1 | $ 52,000 | $ 52,000 | $ 44,000 |
| Lee, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 43,000 |
| Robeson, North Carolina | 1 | $ 196,000 | $ 196,000 | $ 50,000 |
| Union, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 64,000 |
| Ashland, Ohio | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Butler, Ohio | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Clermont, Ohio | 1 | $ 103,000 | $ 103,000 | $ 49,000 |
| Delaware, Ohio | 1 | $ 92,000 | $ 92,000 | $ 50,000 |
| Lorain, Ohio | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Lucas, Ohio | 1 | $ 81,000 | $ 81,000 | $ 86,000 |
| Summit, Ohio | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Warren, Ohio | 1 | $ 177,000 | $ 177,000 | $ 125,000 |
| Wayne, Ohio | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Tulsa, Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 66,000 |
| Crook, Oregon | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Deschutes, Oregon | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Marion, Oregon | 1 | $ 144,000 | $ 144,000 | $ 77,000 |
| Washington, Oregon | 1 | $ 158,000 | $ 158,000 | $ 147,000 |
| York, Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 126,000 |
| Bristol, Rhode Island | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Dorchester, South Carolina | 1 | $ 98,000 | $ 98,000 | $ 222,000 |
| Richland, South Carolina | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Rutherford, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 151,000 |
| Washington, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 211,000 |
| Cameron, Texas | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Comal, Texas | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Montgomery, Texas | 1 | $ 120,000 | $ 120,000 | $ 110,000 |
| Cache, Utah | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Weber, Utah | 1 | $ 150,000 | $ 150,000 | $ 37,000 |
| Fairfax, Virginia | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Hanover, Virginia | 1 | $ 332,000 | $ 332,000 | $ 138,000 |
| Stafford, Virginia | 1 | $ 237,000 | $ 237,000 | $ 50,000 |
| Virginia Beach, Virginia | 1 | $ 127,000 | $ 127,000 | $ 186,000 |
| Grays Harbor, Washington | 1 | $ 80,000 | $ 80,000 | $ 102,000 |
| Thurston, Washington | 1 | $ 193,000 | $ 193,000 | $ 153,000 |
| Grant, Wisconsin | 1 | $ 78,000 | $ 78,000 | $ 3,000 |
| Waukesha, Wisconsin | 1 | $ 192,000 | $ 192,000 | $ 59,000 |
| Waupaca, Wisconsin | 1 | $ 520,000 | $ 520,000 | $ 156,000 |
| Albany, Wyoming | 1 | $ 9,000 | $ 9,000 | $ 68,000 |
| Fremont, Wyoming | 1 | $ 156,000 | $ 156,000 | $ 84,000 |
| Lincoln, Wyoming | 1 | $ 167,000 | $ 167,000 | $ 120,000 |
| Park, Wyoming | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Platte, Wyoming | 1 | $ 99,000 | $ 99,000 | $ 60,000 |
| Sheridan, Wyoming | 1 | $ 7,000 | $ 7,000 | $ 19,000 |
| Uinta, Wyoming | 1 | $ 6,000 | $ 6,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank and Trust Company in 2004
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 | 1,600 | $291,350,000 | $178,341 | $2,379,000 | $330,560 | $8,500,000 |
| Refinancing | 1,164 | $247,549,000 | $176,526 | $3,000,000 | $127,131 | $3,889,000 |
| Home Improvement | 471 | $19,767,000 | $148,529 | $1,300,000 | $79,882 | $384,000 |
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 | 2,227 | $403,132,000 | $148,833 | $2,379,000 | $126,428 | $6,000,000 |
| Hispanic | 302 | $38,746,000 | $164,095 | $1,500,000 | $277,809 | $8,500,000 |
| Black or African American | 246 | $34,245,000 | $137,111 | $504,000 | $77,370 | $535,000 |
| Not Provided | 186 | $28,742,000 | $152,388 | $1,190,000 | $91,888 | $470,000 |
| Not applicable | 158 | $27,274,000 | $147,300 | $840,000 | $93,200 | $568,000 |
| Asian | 96 | $23,713,000 | $175,411 | $3,000,000 | $95,882 | $600,000 |
| American Indian or Alaskan Native | 16 | $1,874,000 | $139,142 | $255,000 | $66,857 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $940,000 | $264,000 | $344,000 | $72,000 | $121,000 |
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) | 2,804 | $486,572,000 | $160,441 | $3,000,000 | $222,279 | $8,500,000 |
| FHA-insured (Federal Housing Administration) | 298 | $51,487,000 | $127,083 | $389,000 | $42,416 | $237,000 |
| VA-guaranteed (Veterans Administration) | 133 | $20,607,000 | $170,222 | $293,000 | $38,777 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,409 | $274,176,000 | $247,806 | $3,000,000 | $379,129 | $8,500,000 |
| Loan Purchased By The Institution | 1,255 | $208,949,000 | $151,552 | $999,000 | $88,447 | $600,000 |
| Application Approved But Not Accepted | 228 | $36,388,000 | $184,642 | $1,100,000 | $61,285 | $422,000 |
| Application Denied By Financial Institution | 224 | $19,216,000 | $110,222 | $1,500,000 | $62,888 | $1,500,000 |
| Application Withdrawn By Applicant | 112 | $19,873,000 | $172,357 | $1,740,000 | $99,928 | $6,000,000 |
| File Closed For Incompleteness | 7 | $64,000 | $9,000 | $16,000 | $67,000 | $108,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank and Trust Company's 2004 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 Guaranty Bank and Trust Company'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 Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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