Guaranty Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Guaranty Bank And Trust Company 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $499,000 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $203,333 |
| Highest Applicant Income | $1,614,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Guaranty Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guaranty Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Guaranty Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guaranty Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Guaranty Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guaranty Bank And Trust Company's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boulder County Colorado | 74 | $ 46,241,000 | $ 624,000 | $ 268,000 |
| Arapahoe County Colorado | 67 | $ 21,001,000 | $ 313,000 | $ 158,000 |
| Denver County Colorado | 52 | $ 25,563,000 | $ 491,000 | $ 156,000 |
| Adams County Colorado | 49 | $ 7,368,000 | $ 150,000 | $ 86,000 |
| Larimer County Colorado | 41 | $ 6,328,000 | $ 154,000 | $ 116,000 |
| Weld County Colorado | 41 | $ 13,032,000 | $ 317,000 | $ 67,000 |
| Douglas County Colorado | 30 | $ 8,632,000 | $ 287,000 | $ 168,000 |
| Jefferson County Colorado | 23 | $ 9,323,000 | $ 405,000 | $ 89,000 |
| San Francisco County California | 9 | $ 7,286,000 | $ 809,000 | $ 270,000 |
| Santa Clara County California | 8 | $ 5,855,000 | $ 731,000 | $ 423,000 |
| Alameda County California | 4 | $ 3,531,000 | $ 882,000 | $ 600,000 |
| Orange County California | 4 | $ 1,583,000 | $ 395,000 | $ 558,000 |
| Broomfield County Colorado | 4 | $ 1,686,000 | $ 421,000 | $ 255,000 |
| Elbert County Colorado | 4 | $ 93,000 | $ 23,000 | $ 53,000 |
| Los Angeles County California | 3 | $ 2,106,000 | $ 702,000 | $ 349,000 |
| San Diego County California | 3 | $ 1,306,000 | $ 435,000 | $ 142,000 |
| Broward County Florida | 3 | $ 3,616,000 | $ 1,205,000 | $ 0 |
| Middlesex County Massachusetts | 3 | $ 3,373,000 | $ 1,124,000 | $ 314,000 |
| Contra Costa County California | 2 | $ 1,706,000 | $ 853,000 | $ 286,000 |
| Napa County California | 2 | $ 1,020,000 | $ 510,000 | $ 398,000 |
| Placer County California | 2 | $ 1,295,000 | $ 647,000 | $ 857,000 |
| Grand County Colorado | 2 | $ 2,417,000 | $ 1,208,000 | $ 570,000 |
| Summit County Colorado | 2 | $ 1,338,000 | $ 669,000 | $ 215,000 |
| Norfolk County Massachusetts | 2 | $ 1,884,000 | $ 942,000 | $ 735,000 |
| Suffolk County Massachusetts | 2 | $ 1,632,000 | $ 816,000 | $ 354,000 |
| Kings County New York | 2 | $ 3,172,000 | $ 1,586,000 | $ 651,000 |
| Maricopa County Arizona | 1 | $ 845,000 | $ 845,000 | $ 590,000 |
| Marin County California | 1 | $ 250,000 | $ 250,000 | $ 237,000 |
| Riverside County California | 1 | $ 527,000 | $ 527,000 | $ 281,000 |
| San Mateo County California | 1 | $ 982,000 | $ 982,000 | $ 303,000 |
| Santa Barbara County California | 1 | $ 915,000 | $ 915,000 | $ 326,000 |
| Sonoma County California | 1 | $ 287,000 | $ 287,000 | $ 410,000 |
| Clear Creek County Colorado | 1 | $ 525,000 | $ 525,000 | $ 243,000 |
| El Paso County Colorado | 1 | $ 2,000 | $ 2,000 | $ 98,000 |
| Gunnison County Colorado | 1 | $ 264,000 | $ 264,000 | $ 215,000 |
| Huerfano County Colorado | 1 | $ 8,000 | $ 8,000 | $ 102,000 |
| Pueblo County Colorado | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Teller County Colorado | 1 | $ 8,000 | $ 8,000 | $ 156,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,072,000 | $ 1,072,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 1,367,000 | $ 1,367,000 | $ 756,000 |
| Plymouth County Massachusetts | 1 | $ 1,214,000 | $ 1,214,000 | $ 300,000 |
| Kimball County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 7,000 |
| Essex County New Jersey | 1 | $ 1,515,000 | $ 1,515,000 | $ 354,000 |
| Orange County New York | 1 | $ 1,364,000 | $ 1,364,000 | $ 1,000,000 |
| Clackamas County Oregon | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 310,000 | $ 310,000 | $ 180,000 |
| Travis County 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.