Guaranty Bank And Trust Compan
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Guaranty Bank And Trust Compan 2003 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 Compan Po Box 5847 Denver, CO 80217 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 2,017 |
| Total Mortgage Loan Application Amount | $328,091,000 |
| Average Mortgage Loan Application Amount | $195,361 |
| Highest Mortgage Loan Application Amount | $5,750,000 |
| Average Applicant Income | $129,916 |
| Highest Applicant Income | $2,310,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Guaranty Bank And Trust Compan. 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 Compan's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Guaranty Bank And Trust Compan'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 Compan serves its applicants.
Each category highlights the total number of mortgage applications processed by Guaranty Bank And Trust Compan, 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 Compan's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Colorado | 319 | $ 49,464,000 | $ 155,000 | $ 77,000 |
| Arapahoe County Colorado | 301 | $ 56,120,000 | $ 186,000 | $ 83,000 |
| Denver County Colorado | 270 | $ 44,755,000 | $ 165,000 | $ 79,000 |
| Adams County Colorado | 223 | $ 25,784,000 | $ 115,000 | $ 68,000 |
| Douglas County Colorado | 113 | $ 30,406,000 | $ 269,000 | $ 106,000 |
| Eagle County Colorado | 97 | $ 32,578,000 | $ 335,000 | $ 207,000 |
| Boulder County Colorado | 62 | $ 12,774,000 | $ 206,000 | $ 124,000 |
| Chaffee County Colorado | 53 | $ 7,307,000 | $ 137,000 | $ 69,000 |
| El Paso County Colorado | 48 | $ 1,905,000 | $ 39,000 | $ 64,000 |
| Weld County Colorado | 48 | $ 6,070,000 | $ 126,000 | $ 50,000 |
| Pueblo County Colorado | 38 | $ 3,016,000 | $ 79,000 | $ 52,000 |
| Johnson County Kansas | 38 | $ 4,308,000 | $ 113,000 | $ 58,000 |
| Park County Colorado | 35 | $ 6,495,000 | $ 185,000 | $ 106,000 |
| Yuma County Colorado | 21 | $ 175,000 | $ 8,000 | $ 49,000 |
| Larimer County Colorado | 16 | $ 2,067,000 | $ 129,000 | $ 102,000 |
| Laramie County Wyoming | 16 | $ 175,000 | $ 10,000 | $ 43,000 |
| Natrona County Wyoming | 14 | $ 168,000 | $ 12,000 | $ 62,000 |
| Maricopa County Arizona | 13 | $ 4,017,000 | $ 309,000 | $ 91,000 |
| Clear Creek County Colorado | 13 | $ 2,408,000 | $ 185,000 | $ 74,000 |
| Cheyenne County Nebraska | 13 | $ 121,000 | $ 9,000 | $ 49,000 |
| Sweetwater County Wyoming | 13 | $ 166,000 | $ 12,000 | $ 62,000 |
| Elbert County Colorado | 11 | $ 2,978,000 | $ 270,000 | $ 122,000 |
| Mesa County Colorado | 11 | $ 451,000 | $ 41,000 | $ 65,000 |
| Morgan County Colorado | 11 | $ 297,000 | $ 27,000 | $ 44,000 |
| Garfield County Colorado | 9 | $ 1,198,000 | $ 133,000 | $ 70,000 |
| Grand County Colorado | 9 | $ 2,197,000 | $ 244,000 | $ 195,000 |
| Summit County Colorado | 9 | $ 2,416,000 | $ 268,000 | $ 210,000 |
| Platte County Wyoming | 8 | $ 76,000 | $ 9,000 | $ 37,000 |
| Fremont County Colorado | 7 | $ 535,000 | $ 76,000 | $ 61,000 |
| Lake County Colorado | 7 | $ 1,035,000 | $ 147,000 | $ 66,000 |
| Logan County Colorado | 7 | $ 76,000 | $ 10,000 | $ 42,000 |
| Lincoln County Nebraska | 7 | $ 63,000 | $ 9,000 | $ 41,000 |
| Carbon County Wyoming | 7 | $ 92,000 | $ 13,000 | $ 45,000 |
| Los Angeles County California | 5 | $ 1,655,000 | $ 331,000 | $ 141,000 |
| Moffat County Colorado | 5 | $ 43,000 | $ 8,000 | $ 71,000 |
| Hillsborough County Florida | 5 | $ 638,000 | $ 127,000 | $ 87,000 |
| Hawaii County Hawaii | 5 | $ 1,279,000 | $ 255,000 | $ 884,000 |
| Dawson County Nebraska | 5 | $ 49,000 | $ 9,000 | $ 39,000 |
| Albany County Wyoming | 5 | $ 67,000 | $ 13,000 | $ 46,000 |
| San Bernardino County California | 4 | $ 471,000 | $ 117,000 | $ 87,000 |
| Gilpin County Colorado | 4 | $ 794,000 | $ 198,000 | $ 228,000 |
| Jackson County Missouri | 4 | $ 499,000 | $ 124,000 | $ 69,000 |
| Kimball County Nebraska | 4 | $ 37,000 | $ 9,000 | $ 21,000 |
| Washoe County Nevada | 4 | $ 746,000 | $ 186,000 | $ 61,000 |
| Fremont County Wyoming | 4 | $ 40,000 | $ 10,000 | $ 42,000 |
| San Diego County California | 3 | $ 1,135,000 | $ 378,000 | $ 48,000 |
| Geary County Kansas | 3 | $ 25,000 | $ 8,000 | $ 38,000 |
| Clark County Nevada | 3 | $ 481,000 | $ 160,000 | $ 60,000 |
| Campbell County Wyoming | 3 | $ 33,000 | $ 11,000 | $ 78,000 |
| Sheridan County Wyoming | 3 | $ 96,000 | $ 32,000 | $ 48,000 |
| Navajo County Arizona | 2 | $ 252,000 | $ 126,000 | $ 81,000 |
| Pima County Arizona | 2 | $ 372,000 | $ 186,000 | $ 180,000 |
| Phillips County Colorado | 2 | $ 31,000 | $ 15,000 | $ 31,000 |
| Pitkin County Colorado | 2 | $ 5,961,000 | $ 2,980,000 | $ 1,343,000 |
| Rio Blanco County Colorado | 2 | $ 51,000 | $ 25,000 | $ 53,000 |
| Routt County Colorado | 2 | $ 344,000 | $ 172,000 | $ 98,000 |
| Fairfield County Connecticut | 2 | $ 90,000 | $ 45,000 | $ 39,000 |
| Broward County Florida | 2 | $ 847,000 | $ 423,000 | $ 237,000 |
| Kearny County Kansas | 2 | $ 9,000 | $ 4,000 | $ 31,000 |
| Thomas County Kansas | 2 | $ 21,000 | $ 10,000 | $ 31,000 |
| Salt Lake County Utah | 2 | $ 310,000 | $ 155,000 | $ 94,000 |
| Pinal County Arizona | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Garland County Arkansas | 1 | $ 244,000 | $ 244,000 | $ 116,000 |
| Placer County California | 1 | $ 260,000 | $ 260,000 | $ 182,000 |
| Riverside County California | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| San Mateo County California | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Yolo County California | 1 | $ 292,000 | $ 292,000 | $ 563,000 |
| Alamosa County Colorado | 1 | $ 14,000 | $ 14,000 | $ 33,000 |
| Archuleta County Colorado | 1 | $ 82,000 | $ 82,000 | $ 53,000 |
| Gunnison County Colorado | 1 | $ 304,000 | $ 304,000 | $ 150,000 |
| Hinsdale County Colorado | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Huerfano County Colorado | 1 | $ 231,000 | $ 231,000 | $ 76,000 |
| La Plata County Colorado | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Lincoln County Colorado | 1 | $ 12,000 | $ 12,000 | $ 44,000 |
| Mineral County Colorado | 1 | $ 134,000 | $ 134,000 | $ 107,000 |
| Rio Grande County Colorado | 1 | $ 7,000 | $ 7,000 | $ 32,000 |
| Saguache County Colorado | 1 | $ 7,000 | $ 7,000 | $ 37,000 |
| Washington County Colorado | 1 | $ 12,000 | $ 12,000 | $ 51,000 |
| Collier County Florida | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Duval County Florida | 1 | $ 112,000 | $ 112,000 | $ 87,000 |
| Lee County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Manatee County Florida | 1 | $ 141,000 | $ 141,000 | $ 125,000 |
| Miami-Dade County Florida | 1 | $ 342,000 | $ 342,000 | $ 389,000 |
| Okaloosa County Florida | 1 | $ 50,000 | $ 50,000 | $ 103,000 |
| Seminole County Florida | 1 | $ 220,000 | $ 220,000 | $ 683,000 |
| St. Lucie County Florida | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Volusia County Florida | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Calhoun County Illinois | 1 | $ 146,000 | $ 146,000 | $ 132,000 |
| Cook County Illinois | 1 | $ 323,000 | $ 323,000 | $ 150,000 |
| Tama County Iowa | 1 | $ 38,000 | $ 38,000 | $ 12,000 |
| Decatur County Kansas | 1 | $ 9,000 | $ 9,000 | $ 15,000 |
| Wyandotte County Kansas | 1 | $ 53,000 | $ 53,000 | $ 28,000 |
| Alcona County Michigan | 1 | $ 310,000 | $ 310,000 | $ 72,000 |
| Berrien County Michigan | 1 | $ 208,000 | $ 208,000 | $ 281,000 |
| Saginaw County Michigan | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Hennepin County Minnesota | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Washington County Minnesota | 1 | $ 246,000 | $ 246,000 | $ 72,000 |
| Clay County Missouri | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Morgan County Missouri | 1 | $ 104,000 | $ 104,000 | $ 192,000 |
| St. Louis County Missouri | 1 | $ 39,000 | $ 39,000 | $ 15,000 |
| St. Louis City County Missouri | 1 | $ 323,000 | $ 323,000 | $ 168,000 |
| Flathead County Montana | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Box Butte County Nebraska | 1 | $ 3,000 | $ 3,000 | $ 59,000 |
| Deuel County Nebraska | 1 | $ 7,000 | $ 7,000 | $ 14,000 |
| Douglas County Nevada | 1 | $ 98,000 | $ 98,000 | $ 28,000 |
| Dare County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Rogers County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Hood River County Oregon | 1 | $ 96,000 | $ 96,000 | $ 26,000 |
| Bexar County Texas | 1 | $ 966,000 | $ 966,000 | $ 363,000 |
| Collin County Texas | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
| Dallas County Texas | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| El Paso County Texas | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| McLennan County Texas | 1 | $ 133,000 | $ 133,000 | $ 113,000 |
| Milwaukee County Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 36,000 |
| Waukesha County Wisconsin | 1 | $ 500,000 | $ 500,000 | $ 120,000 |
| Converse County Wyoming | 1 | $ 17,000 | $ 17,000 | $ 57,000 |
| Hot Springs County Wyoming | 1 | $ 12,000 | $ 12,000 | $ 46,000 |
| Lincoln County Wyoming | 1 | $ 104,000 | $ 104,000 | $ 103,000 |
| Uinta County Wyoming | 1 | $ 6,000 | $ 6,000 | $ 24,000 |
| Washakie County Wyoming | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank And Trust Compan in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 983 | $231,390,000 | $218,473 | $5,750,000 | $109,947 | $2,310,000 |
| Home Improvement (one-to-four family) | 672 | $6,535,000 | $9,250 | $80,000 | $45,250 | $312,000 |
| Home Purchase (one-to-four family) | 361 | $89,828,000 | $208,916 | $2,275,000 | $200,583 | $1,520,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $338,000 | $338,000 | $338,000 | $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 | 1,606 | $290,274,000 | $194,285 | $5,750,000 | $123,857 | $2,310,000 |
| Information not provided by applicant in mail or telephone application | 171 | $17,680,000 | $204,800 | $2,500,000 | $97,900 | $1,440,000 |
| Hispanic | 149 | $10,395,000 | $116,400 | $650,000 | $41,800 | $139,000 |
| Black | 51 | $3,228,000 | $88,666 | $604,000 | $35,333 | $309,000 |
| Other | 16 | $3,494,000 | $240,250 | $1,000,000 | $311,750 | $683,000 |
| Asian or Pacific Islander | 15 | $2,034,000 | $135,000 | $550,000 | $86,000 | $320,000 |
| American Indian or Alaskan Native | 5 | $202,000 | $40,000 | $175,000 | $64,000 | $103,000 |
| Not applicable | 4 | $784,000 | $196,000 | $338,000 | $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) | 1,935 | $314,722,000 | $197,434 | $5,750,000 | $110,608 | $2,310,000 |
| FHA-insured (Federal Housing Administration) | 76 | $12,400,000 | $138,333 | $265,000 | $31,000 | $409,000 |
| VA-guaranteed (Veterans Administration) | 6 | $969,000 | $161,000 | $216,000 | $20,000 | $70,000 |
| 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 | 1,259 | $241,002,000 | $204,428 | $5,750,000 | $128,428 | $2,310,000 |
| Application Denied By Financial Institution | 327 | $11,062,000 | $32,000 | $959,000 | $37,666 | $519,000 |
| Application Withdrawn By Applicant | 173 | $35,086,000 | $237,333 | $2,540,000 | $89,888 | $1,400,000 |
| Application Approved But Not Accepted | 142 | $25,794,000 | $139,625 | $2,275,000 | $66,375 | $780,000 |
| Loan Purchased By The Institution | 88 | $14,820,000 | $134,000 | $323,000 | $64,428 | $227,000 |
| File Closed For Incompleteness | 28 | $327,000 | $11,666 | $25,000 | $52,333 | $125,000 |
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 Compan's 2003 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 Compan'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.