Guaranty Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Guaranty Bank And Trust Company 2004 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 3,235
Total Mortgage Loan Application Amount $558,666,000
Average Mortgage Loan Application Amount $172,343
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $205,645
Highest Applicant Income $8,500,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.

Mortgage Loan Application Totals for Guaranty Bank And Trust Company by Metropolitan Area in 2004

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
DENVER-AURORA, CO 1,524 $ 273,442,000 $ 179,000 $ 86,000
CAPE CORAL-FORT MYERS, FL 153 $ 24,801,000 $ 162,000 $ 16,000
CHICAGO-NAPERVILLE-JOLIET, IL 95 $ 14,737,000 $ 155,000 $ 77,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 87 $ 16,619,000 $ 191,000 $ 101,000
COLORADO SPRINGS, CO 80 $ 13,065,000 $ 163,000 $ 57,000
GREELEY, CO 76 $ 12,587,000 $ 165,000 $ 60,000
LAS VEGAS-PARADISE, NV 73 $ 14,308,000 $ 196,000 $ 113,000
FAYETTEVILLE, NC 61 $ 6,765,000 $ 110,000 $ 44,000
PHOENIX-MESA-SCOTTSDALE, AZ 53 $ 8,432,000 $ 159,000 $ 151,000
BOULDER, CO 50 $ 12,481,000 $ 249,000 $ 71,000
FORT COLLINS-LOVELAND, CO 38 $ 7,863,000 $ 206,000 $ 64,000
CINCINNATI-MIDDLETOWN, OH-KY-IN 26 $ 2,969,000 $ 114,000 $ 130,000
PUEBLO, CO 25 $ 2,360,000 $ 94,000 $ 39,000
DALLAS-PLANO-IRVING, TX 21 $ 2,721,000 $ 129,000 $ 135,000
WARREN-FARMINGTON HILLS-TROY, MI 21 $ 3,177,000 $ 151,000 $ 81,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 19 $ 6,558,000 $ 345,000 $ 155,000
ATLANTA-SANDY SPRINGS-MARIETTA, GA 18 $ 2,786,000 $ 154,000 $ 84,000
SALT LAKE CITY, UT 18 $ 2,720,000 $ 151,000 $ 96,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 18 $ 2,910,000 $ 161,000 $ 108,000
ST. LOUIS, MO-IL 17 $ 2,421,000 $ 142,000 $ 66,000
HOUSTON-BAYTOWN-SUGAR LAND, TX 15 $ 1,516,000 $ 101,000 $ 82,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 14 $ 1,994,000 $ 142,000 $ 85,000
ALBUQUERQUE, NM 13 $ 1,669,000 $ 128,000 $ 25,000
DETROIT-LIVONIA-DEARBORN, MI 13 $ 1,094,000 $ 84,000 $ 105,000
COLUMBUS, OH 12 $ 1,239,000 $ 103,000 $ 54,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 12 $ 3,194,000 $ 266,000 $ 96,000
MIAMI-MIAMI BEACH-KENDALL, FL 12 $ 2,026,000 $ 168,000 $ 65,000
NEW HAVEN-MILFORD, CT 12 $ 1,555,000 $ 129,000 $ 92,000
CHEYENNE, WY 11 $ 1,555,000 $ 141,000 $ 64,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 11 $ 2,027,000 $ 184,000 $ 103,000
AUSTIN-ROUND ROCK, TX 9 $ 1,240,000 $ 137,000 $ 119,000
BALTIMORE-TOWSON, MD 9 $ 1,580,000 $ 175,000 $ 66,000
INDIANAPOLIS, IN 9 $ 881,000 $ 97,000 $ 100,000
JACKSONVILLE, FL 9 $ 1,293,000 $ 143,000 $ 121,000
ORLANDO, FL 9 $ 1,555,000 $ 172,000 $ 69,000
CASPER, WY 8 $ 79,000 $ 9,000 $ 48,000
FORT WORTH-ARLINGTON, TX 8 $ 1,005,000 $ 125,000 $ 76,000
KANSAS CITY, MO-KS 8 $ 881,000 $ 110,000 $ 87,000
PORTLAND-VANCOUVER-BEAVERTON, OR-WA 8 $ 1,020,000 $ 127,000 $ 94,000
GRAND JUNCTION, CO 7 $ 796,000 $ 113,000 $ 69,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 7 $ 1,035,000 $ 147,000 $ 58,000
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA 7 $ 1,376,000 $ 196,000 $ 143,000
CHARLOTTE-GASTONIA-CONCORD, NC-SC 6 $ 662,000 $ 110,000 $ 65,000
CLEVELAND-ELYRIA-MENTOR, OH 6 $ 388,000 $ 64,000 $ 62,000
PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA 6 $ 944,000 $ 157,000 $ 64,000
SAN DIEGO-CARLSBAD-SAN MARCOS, CA 6 $ 1,718,000 $ 286,000 $ 216,000
SANTA ANA-ANAHEIM-IRVINE, CA 6 $ 2,369,000 $ 394,000 $ 126,000
TACOMA, WA 6 $ 1,012,000 $ 168,000 $ 90,000
BELLINGHAM, WA 5 $ 976,000 $ 195,000 $ 78,000
BETHESDA-FREDERICK-GAITHERSBURG, MD 5 $ 1,081,000 $ 216,000 $ 124,000
BOSTON-QUINCY, MA 5 $ 1,135,000 $ 227,000 $ 120,000
FAIRBANKS, AK 5 $ 872,000 $ 174,000 $ 82,000
NAPLES-MARCO ISLAND, FL 5 $ 1,690,000 $ 338,000 $ 200,000
OGDEN-CLEARFIELD, UT 5 $ 656,000 $ 131,000 $ 67,000
PENSACOLA-FERRY PASS-BRENT, FL 5 $ 608,000 $ 121,000 $ 62,000
PROVO-OREM, UT 5 $ 517,000 $ 103,000 $ 48,000
SAN ANTONIO, TX 5 $ 626,000 $ 125,000 $ 46,000
SPARTANBURG, SC 5 $ 313,000 $ 62,000 $ 37,000
TUCSON, AZ 5 $ 631,000 $ 126,000 $ 165,000
BRIDGEPORT-STAMFORD-NORWALK, CT 4 $ 2,666,000 $ 666,000 $ 1,367,000
FLINT, MI 4 $ 377,000 $ 94,000 $ 57,000
KILLEEN-TEMPLE-FORT HOOD, TX 4 $ 528,000 $ 132,000 $ 75,000
LAKE COUNTY-KENOSHA COUNTY, IL-WI 4 $ 446,000 $ 111,000 $ 150,000
MEDFORD, OR 4 $ 790,000 $ 197,000 $ 73,000
MODESTO, CA 4 $ 631,000 $ 157,000 $ 103,000
NORWICH-NEW LONDON, CT 4 $ 875,000 $ 218,000 $ 114,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 4 $ 2,200,000 $ 550,000 $ 184,000
SEATTLE-BELLEVUE-EVERETT, WA 4 $ 1,004,000 $ 251,000 $ 67,000
WILMINGTON, DE-MD-NJ 4 $ 577,000 $ 144,000 $ 64,000
COLUMBIA, MO 3 $ 375,000 $ 125,000 $ 91,000
DAYTON, OH 3 $ 322,000 $ 107,000 $ 147,000
NASHVILLE-DAVIDSON--MURFREESBORO, TN 3 $ 132,000 $ 44,000 $ 121,000
OAKLAND-FREMONT-HAYWARD, CA 3 $ 568,000 $ 189,000 $ 77,000
PORT ST. LUCIE-FORT PIERCE, FL 3 $ 231,000 $ 77,000 $ 52,000
RENO-SPARKS, NV 3 $ 965,000 $ 321,000 $ 108,000
RICHMOND, VA 3 $ 437,000 $ 145,000 $ 118,000
WATERLOO-CEDAR FALLS, IA 3 $ 327,000 $ 109,000 $ 58,000
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 3 $ 352,000 $ 117,000 $ 64,000
ANCHORAGE, AK 2 $ 439,000 $ 219,000 $ 48,000
CHATTANOOGA, TN-GA 2 $ 171,000 $ 85,000 $ 71,000
CLARKSVILLE, TN-KY 2 $ 197,000 $ 98,000 $ 40,000
ELIZABETHTOWN, KY 2 $ 560,000 $ 280,000 $ 88,000
FLAGSTAFF, AZ 2 $ 371,000 $ 185,000 $ 69,000
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL 2 $ 224,000 $ 112,000 $ 123,000
GRAND RAPIDS-WYOMING, MI 2 $ 231,000 $ 115,000 $ 64,000
GREENVILLE, SC 2 $ 909,000 $ 454,000 $ 75,000
LINCOLN, NE 2 $ 175,000 $ 87,000 $ 84,000
MONTGOMERY, AL 2 $ 208,000 $ 104,000 $ 181,000
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC 2 $ 325,000 $ 162,000 $ 163,000
OKLAHOMA CITY, OK 2 $ 137,000 $ 68,000 $ 58,000
OMAHA-COUNCIL BLUFFS, NE-IA 2 $ 101,000 $ 50,000 $ 84,000
RALEIGH-CARY, NC 2 $ 120,000 $ 60,000 $ 70,000
SALISBURY, MD 2 $ 122,000 $ 61,000 $ 136,000
SANTA FE, NM 2 $ 570,000 $ 285,000 $ 164,000
SARASOTA-BRADENTON-VENICE, FL 2 $ 290,000 $ 145,000 $ 51,000
SHEBOYGAN, WI 2 $ 269,000 $ 134,000 $ 97,000
SPRINGFIELD, MO 2 $ 272,000 $ 136,000 $ 85,000
ST. GEORGE, UT 2 $ 210,000 $ 105,000 $ 59,000
STOCKTON, CA 2 $ 491,000 $ 245,000 $ 45,000
WILMINGTON, NC 2 $ 306,000 $ 153,000 $ 95,000
AKRON, OH 1 $ 65,000 $ 65,000 $ 51,000
ANN ARBOR, MI 1 $ 236,000 $ 236,000 $ 77,000
BAKERSFIELD, CA 1 $ 190,000 $ 190,000 $ 93,000
BATON ROUGE, LA 1 $ 120,000 $ 120,000 $ 75,000
BEND, OR 1 $ 103,000 $ 103,000 $ 0
BILLINGS, MT 1 $ 117,000 $ 117,000 $ 67,000
BROWNSVILLE-HARLINGEN, TX 1 $ 84,000 $ 84,000 $ 0
CHARLESTON-NORTH CHARLESTON, SC 1 $ 98,000 $ 98,000 $ 222,000
COLUMBIA, SC 1 $ 112,000 $ 112,000 $ 66,000
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 1 $ 125,000 $ 125,000 $ 56,000
DES MOINES, IA 1 $ 94,000 $ 94,000 $ 52,000
DURHAM, NC 1 $ 52,000 $ 52,000 $ 44,000
EDISON, NJ 1 $ 263,000 $ 263,000 $ 46,000
ESSEX COUNTY, MA 1 $ 354,000 $ 354,000 $ 77,000
FRESNO, CA 1 $ 99,000 $ 99,000 $ 42,000
GAINESVILLE, GA 1 $ 84,000 $ 84,000 $ 87,000
GARY, IN 1 $ 156,000 $ 156,000 $ 90,000
GREAT FALLS, MT 1 $ 120,000 $ 120,000 $ 90,000
HANFORD-CORCORAN, CA 1 $ 107,000 $ 107,000 $ 73,000
HICKORY-LENOIR-MORGANTON, NC 1 $ 101,000 $ 101,000 $ 41,000
HOT SPRINGS, AR 1 $ 79,000 $ 79,000 $ 0
HUNTSVILLE, AL 1 $ 100,000 $ 100,000 $ 157,000
JACKSON, MI 1 $ 132,000 $ 132,000 $ 60,000
JOHNSON CITY, TN 1 $ 155,000 $ 155,000 $ 211,000
LAKELAND, FL 1 $ 180,000 $ 180,000 $ 77,000
LOGAN, UT-ID 1 $ 180,000 $ 180,000 $ 65,000
LOUISVILLE, KY-IN 1 $ 89,000 $ 89,000 $ 0
MERCED, CA 1 $ 182,000 $ 182,000 $ 111,000
NEW ORLEANS-METAIRIE-KENNER, LA 1 $ 99,000 $ 99,000 $ 61,000
OLYMPIA, WA 1 $ 193,000 $ 193,000 $ 153,000
PANAMA CITY-LYNN HAVEN, FL 1 $ 62,000 $ 62,000 $ 108,000
PEORIA, IL 1 $ 102,000 $ 102,000 $ 0
PUNTA GORDA, FL 1 $ 217,000 $ 217,000 $ 132,000
REDDING, CA 1 $ 191,000 $ 191,000 $ 62,000
ROCKFORD, IL 1 $ 89,000 $ 89,000 $ 42,000
SALEM, OR 1 $ 144,000 $ 144,000 $ 77,000
SALINAS, CA 1 $ 405,000 $ 405,000 $ 96,000
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 1 $ 489,000 $ 489,000 $ 133,000
SANTA CRUZ-WATSONVILLE, CA 1 $ 275,000 $ 275,000 $ 90,000
SOUTH BEND-MISHAWAKA, IN-MI 1 $ 152,000 $ 152,000 $ 237,000
ST. CLOUD, MN 1 $ 82,000 $ 82,000 $ 0
TALLAHASSEE, FL 1 $ 121,000 $ 121,000 $ 100,000
TOLEDO, OH 1 $ 81,000 $ 81,000 $ 86,000
TOPEKA, KS 1 $ 175,000 $ 175,000 $ 50,000
TULSA, OK 1 $ 81,000 $ 81,000 $ 66,000
VALLEJO-FAIRFIELD, CA 1 $ 280,000 $ 280,000 $ 0
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $ 127,000 $ 127,000 $ 186,000
YORK-HANOVER, PA 1 $ 99,000 $ 99,000 $ 126,000
YUMA, AZ 1 $ 111,000 $ 111,000 $ 130,000

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.
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