Guaranty Bank and Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Guaranty Bank and Trust Company of Denver, CO reported 459 mortgage applications totaling $195.3 million, up 138% from 2014. The average application was for $425,562, and applicants reported an average income of $186,228. 66% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (230), Boulder, CO (74) and Fort Collins, CO (41) (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 | 459 |
| Total Mortgage Loan Application Amount | $195,333,000 |
| Average Mortgage Loan Application Amount | $425,562 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $186,228 |
| Highest Applicant Income | $1,614,000 |
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records Guaranty Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Boulder, Colorado | 74 | $ 46,241,000 | $ 624,878 | $ 268,000 |
| Arapahoe, Colorado | 67 | $ 21,001,000 | $ 313,447 | $ 158,000 |
| Denver, Colorado | 52 | $ 25,563,000 | $ 491,596 | $ 156,000 |
| Adams, Colorado | 49 | $ 7,368,000 | $ 150,367 | $ 86,000 |
| Larimer, Colorado | 41 | $ 6,328,000 | $ 154,341 | $ 116,000 |
| Weld, Colorado | 41 | $ 13,032,000 | $ 317,853 | $ 67,000 |
| Douglas, Colorado | 30 | $ 8,632,000 | $ 287,733 | $ 168,000 |
| Jefferson, Colorado | 23 | $ 9,323,000 | $ 405,347 | $ 89,000 |
| San Francisco, California | 9 | $ 7,286,000 | $ 809,555 | $ 270,000 |
| Santa Clara, California | 8 | $ 5,855,000 | $ 731,875 | $ 423,000 |
| Alameda, California | 4 | $ 3,531,000 | $ 882,750 | $ 600,000 |
| Orange, California | 4 | $ 1,583,000 | $ 395,750 | $ 558,000 |
| Broomfield, Colorado | 4 | $ 1,686,000 | $ 421,500 | $ 255,000 |
| Elbert, Colorado | 4 | $ 93,000 | $ 23,250 | $ 53,000 |
| Los Angeles, California | 3 | $ 2,106,000 | $ 702,000 | $ 349,000 |
| San Diego, California | 3 | $ 1,306,000 | $ 435,333 | $ 142,000 |
| Broward, Florida | 3 | $ 3,616,000 | $ 1,205,333 | $ 0 |
| Middlesex, Massachusetts | 3 | $ 3,373,000 | $ 1,124,333 | $ 314,000 |
| Contra Costa, California | 2 | $ 1,706,000 | $ 853,000 | $ 286,000 |
| Napa, California | 2 | $ 1,020,000 | $ 510,000 | $ 398,000 |
| Placer, California | 2 | $ 1,295,000 | $ 647,500 | $ 857,000 |
| Grand, Colorado | 2 | $ 2,417,000 | $ 1,208,500 | $ 570,000 |
| Summit, Colorado | 2 | $ 1,338,000 | $ 669,000 | $ 215,000 |
| Norfolk, Massachusetts | 2 | $ 1,884,000 | $ 942,000 | $ 735,000 |
| Suffolk, Massachusetts | 2 | $ 1,632,000 | $ 816,000 | $ 354,000 |
| Kings, New York | 2 | $ 3,172,000 | $ 1,586,000 | $ 651,000 |
| Maricopa, Arizona | 1 | $ 845,000 | $ 845,000 | $ 590,000 |
| Marin, California | 1 | $ 250,000 | $ 250,000 | $ 237,000 |
| Riverside, California | 1 | $ 527,000 | $ 527,000 | $ 281,000 |
| San Mateo, California | 1 | $ 982,000 | $ 982,000 | $ 303,000 |
| Santa Barbara, California | 1 | $ 915,000 | $ 915,000 | $ 326,000 |
| Sonoma, California | 1 | $ 287,000 | $ 287,000 | $ 410,000 |
| Clear Creek, Colorado | 1 | $ 525,000 | $ 525,000 | $ 243,000 |
| El Paso, Colorado | 1 | $ 2,000 | $ 2,000 | $ 98,000 |
| Gunnison, Colorado | 1 | $ 264,000 | $ 264,000 | $ 215,000 |
| Huerfano, Colorado | 1 | $ 8,000 | $ 8,000 | $ 102,000 |
| Pueblo, Colorado | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Teller, Colorado | 1 | $ 8,000 | $ 8,000 | $ 156,000 |
| District of Columbia, District Of Columbia | 1 | $ 1,072,000 | $ 1,072,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 1,367,000 | $ 1,367,000 | $ 756,000 |
| Plymouth, Massachusetts | 1 | $ 1,214,000 | $ 1,214,000 | $ 300,000 |
| Kimball, Nebraska | 1 | $ 5,000 | $ 5,000 | $ 7,000 |
| Essex, New Jersey | 1 | $ 1,515,000 | $ 1,515,000 | $ 354,000 |
| Orange, New York | 1 | $ 1,364,000 | $ 1,364,000 | $ 1,000,000 |
| Clackamas, Oregon | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 310,000 | $ 310,000 | $ 180,000 |
| Travis, Texas | 1 | $ 1,214,000 | $ 1,214,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank and Trust Company in 2015
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 Improvement | 200 | $5,017,000 | $25,000 | $1,500,000 | $93,000 | $900,000 |
| Home Purchase | 144 | $103,735,000 | $720,000 | $4,900,000 | $256,000 | $1,614,000 |
| Refinancing | 115 | $86,581,000 | $752,000 | $3,900,000 | $261,000 | $1,284,000 |
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 | 334 | $126,072,000 | $377,000 | $2,000,000 | $207,000 | $1,284,000 |
| Not applicable | 45 | $39,736,000 | $883,000 | $4,900,000 | $0 | $0 |
| Hispanic | 36 | $1,534,000 | $42,000 | $528,000 | $83,000 | $620,000 |
| Not Provided | 27 | $18,619,000 | $689,000 | $1,657,000 | $306,000 | $672,000 |
| Asian | 8 | $7,006,000 | $875,000 | $1,896,000 | $486,000 | $1,614,000 |
| Black or African American | 5 | $2,329,000 | $465,000 | $1,830,000 | $195,000 | $517,000 |
| American Indian or Alaskan Native | 3 | $29,000 | $9,000 | $13,000 | $87,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $8,000 | $8,000 | $8,000 | $38,000 | $38,000 |
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) | 459 | $195,333,000 | $425,000 | $4,900,000 | $186,000 | $1,614,000 |
| 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 |
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 | 304 | $120,465,000 | $396,000 | $4,900,000 | $156,000 | $968,000 |
| Application Denied By Financial Institution | 67 | $10,023,000 | $149,000 | $1,500,000 | $87,000 | $468,000 |
| Loan Purchased By The Institution | 60 | $47,415,000 | $790,000 | $1,896,000 | $406,000 | $1,614,000 |
| Application Withdrawn By Applicant | 23 | $14,946,000 | $649,000 | $2,000,000 | $286,000 | $908,000 |
| Application Approved But Not Accepted | 4 | $2,434,000 | $608,000 | $1,558,000 | $294,000 | $674,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $67,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 33 | $7,720,000 | $233,000 | $1,500,000 | $93,000 | $468,000 |
| Credit History | 29 | $301,000 | $10,000 | $75,000 | $62,000 | $117,000 |
| Unverifiable Information | 3 | $1,248,000 | $416,000 | $800,000 | $225,000 | $311,000 |
| Other | 1 | $4,000 | $4,000 | $4,000 | $21,000 | $21,000 |
| Collateral | 1 | $750,000 | $750,000 | $750,000 | $258,000 | $258,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank and Trust Company's 2015 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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