Guaranty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003

Guaranty Bank 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
8333 Douglas Avenue
Dallas, TX 75225
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 23,422
Total Mortgage Loan Application Amount $3,863,580,000
Average Mortgage Loan Application Amount $196,402
Highest Mortgage Loan Application Amount $5,550,000
Average Applicant Income $104,206
Highest Applicant Income $4,860,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Guaranty Bank. 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'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'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 serves its applicants.

Each category highlights the total number of mortgage applications processed by Guaranty Bank, 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's mortgage activity for 2003.

Mortgage Loan Application Totals for Guaranty Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Collin County Texas 1,288 $ 40,644,000 $ 31,000 $ 106,000
Guilford County North Carolina 1,103 $ 170,708,000 $ 154,000 $ 68,000
Dallas County Texas 1,103 $ 43,501,000 $ 39,000 $ 127,000
Harris County Texas 1,080 $ 47,552,000 $ 44,000 $ 112,000
Tarrant County Texas 1,054 $ 35,021,000 $ 33,000 $ 95,000
Denton County Texas 938 $ 29,321,000 $ 31,000 $ 100,000
Los Angeles County California 930 $ 357,828,000 $ 384,000 $ 121,000
San Diego County California 881 $ 307,028,000 $ 348,000 $ 110,000
Orange County California 762 $ 289,083,000 $ 379,000 $ 129,000
Buncombe County North Carolina 676 $ 102,853,000 $ 152,000 $ 52,000
Mecklenburg County North Carolina 534 $ 79,508,000 $ 148,000 $ 63,000
Travis County Texas 507 $ 28,031,000 $ 55,000 $ 105,000
Fairfax County Virginia 425 $ 41,517,000 $ 97,000 $ 114,000
Riverside County California 401 $ 105,807,000 $ 263,000 $ 99,000
Santa Clara County California 395 $ 149,701,000 $ 378,000 $ 126,000
Contra Costa County California 369 $ 117,871,000 $ 319,000 $ 120,000
Alameda County California 353 $ 111,725,000 $ 316,000 $ 120,000
Williamson County Texas 286 $ 11,265,000 $ 39,000 $ 92,000
Montgomery County Maryland 278 $ 36,876,000 $ 132,000 $ 104,000
Fulton County Georgia 251 $ 74,455,000 $ 296,000 $ 99,000
Fort Bend County Texas 250 $ 11,238,000 $ 44,000 $ 185,000
Bexar County Texas 227 $ 9,956,000 $ 43,000 $ 95,000
Wake County North Carolina 212 $ 39,267,000 $ 185,000 $ 64,000
Loudoun County Virginia 198 $ 16,467,000 $ 83,000 $ 100,000
Henderson County North Carolina 196 $ 28,278,000 $ 144,000 $ 72,000
El Paso County Colorado 188 $ 28,583,000 $ 152,000 $ 52,000
Montgomery County Texas 186 $ 6,826,000 $ 36,000 $ 128,000
San Mateo County California 171 $ 74,039,000 $ 432,000 $ 139,000
Forsyth County North Carolina 169 $ 18,897,000 $ 111,000 $ 60,000
Prince George's County Maryland 168 $ 17,460,000 $ 103,000 $ 83,000
San Bernardino County California 164 $ 36,999,000 $ 225,000 $ 89,000
Maricopa County Arizona 163 $ 36,703,000 $ 225,000 $ 107,000
Prince William County Virginia 144 $ 10,349,000 $ 71,000 $ 100,000
Marin County California 136 $ 65,920,000 $ 484,000 $ 195,000
San Francisco County California 135 $ 61,500,000 $ 455,000 $ 117,000
Ventura County California 135 $ 49,007,000 $ 363,000 $ 146,000
York County South Carolina 126 $ 18,428,000 $ 146,000 $ 51,000
Cobb County Georgia 125 $ 24,118,000 $ 192,000 $ 80,000
Gwinnett County Georgia 122 $ 24,748,000 $ 202,000 $ 76,000
Galveston County Texas 121 $ 4,422,000 $ 36,000 $ 94,000
Middlesex County Massachusetts 120 $ 43,190,000 $ 359,000 $ 125,000
DeKalb County Georgia 119 $ 27,346,000 $ 229,000 $ 108,000
Sonoma County California 113 $ 37,254,000 $ 329,000 $ 130,000
Cook County Illinois 105 $ 34,703,000 $ 330,000 $ 102,000
Brazoria County Texas 103 $ 5,388,000 $ 52,000 $ 110,000
Orange County Florida 92 $ 23,047,000 $ 250,000 $ 105,000
Anne Arundel County Maryland 86 $ 7,747,000 $ 90,000 $ 92,000
Howard County Maryland 81 $ 6,779,000 $ 83,000 $ 121,000
Brazos County Texas 80 $ 2,805,000 $ 35,000 $ 146,000
Sacramento County California 75 $ 11,044,000 $ 147,000 $ 91,000
Fairfield County Connecticut 75 $ 28,536,000 $ 380,000 $ 159,000
Rockwall County Texas 75 $ 2,763,000 $ 36,000 $ 109,000
Palm Beach County Florida 71 $ 15,639,000 $ 220,000 $ 89,000
Oakland County Michigan 70 $ 13,055,000 $ 186,000 $ 97,000
Hennepin County Minnesota 67 $ 19,357,000 $ 288,000 $ 126,000
Union County North Carolina 67 $ 10,905,000 $ 162,000 $ 63,000
Wayne County Michigan 66 $ 10,339,000 $ 156,000 $ 58,000
Greenville County South Carolina 63 $ 8,559,000 $ 135,000 $ 60,000
Clark County Nevada 62 $ 8,744,000 $ 141,000 $ 95,000
District of Columbia County District Of Columbia 60 $ 6,253,000 $ 104,000 $ 103,000
Baltimore County Maryland 60 $ 5,139,000 $ 85,000 $ 74,000
Iredell County North Carolina 55 $ 9,000,000 $ 163,000 $ 71,000
Arlington County Virginia 55 $ 3,940,000 $ 71,000 $ 120,000
Carroll County Maryland 53 $ 5,953,000 $ 112,000 $ 73,000
Hays County Texas 53 $ 2,236,000 $ 42,000 $ 108,000
Solano County California 52 $ 9,388,000 $ 180,000 $ 106,000
San Joaquin County California 51 $ 10,896,000 $ 213,000 $ 97,000
Douglas County Colorado 51 $ 12,126,000 $ 237,000 $ 95,000
Macomb County Michigan 51 $ 7,335,000 $ 143,000 $ 56,000
Boulder County Colorado 50 $ 9,539,000 $ 190,000 $ 94,000
Seminole County Florida 50 $ 12,777,000 $ 255,000 $ 111,000
Ellis County Texas 48 $ 1,392,000 $ 29,000 $ 107,000
Alexandria County Virginia 47 $ 3,712,000 $ 78,000 $ 113,000
Fresno County California 42 $ 6,733,000 $ 160,000 $ 86,000
Arapahoe County Colorado 42 $ 7,228,000 $ 172,000 $ 124,000
Norfolk County Massachusetts 42 $ 15,244,000 $ 362,000 $ 173,000
Cherokee County Georgia 41 $ 7,096,000 $ 173,000 $ 94,000
Cabarrus County North Carolina 41 $ 5,462,000 $ 133,000 $ 43,000
Frederick County Maryland 40 $ 4,718,000 $ 117,000 $ 95,000
Suffolk County Massachusetts 40 $ 17,120,000 $ 428,000 $ 165,000
Comal County Texas 40 $ 1,678,000 $ 41,000 $ 121,000
Kaufman County Texas 40 $ 1,068,000 $ 26,000 $ 81,000
Santa Cruz County California 39 $ 13,703,000 $ 351,000 $ 107,000
Forsyth County Georgia 39 $ 8,541,000 $ 219,000 $ 89,000
El Paso County Texas 39 $ 1,109,000 $ 28,000 $ 145,000
Parker County Texas 38 $ 1,129,000 $ 29,000 $ 106,000
King County Washington 38 $ 8,829,000 $ 232,000 $ 95,000
Broward County Florida 36 $ 9,106,000 $ 252,000 $ 127,000
Adams County Colorado 35 $ 6,231,000 $ 178,000 $ 77,000
Davidson County North Carolina 35 $ 3,582,000 $ 102,000 $ 53,000
Johnson County Texas 35 $ 898,000 $ 25,000 $ 86,000
Monterey County California 34 $ 9,766,000 $ 287,000 $ 102,000
Livingston County Michigan 34 $ 6,013,000 $ 176,000 $ 77,000
Denver County Colorado 32 $ 4,875,000 $ 152,000 $ 146,000
Charles County Maryland 32 $ 2,363,000 $ 73,000 $ 74,000
Guadalupe County Texas 32 $ 1,009,000 $ 31,000 $ 77,000
Randolph County North Carolina 31 $ 3,526,000 $ 113,000 $ 44,000
Lee County Florida 30 $ 4,775,000 $ 159,000 $ 72,000
Plymouth County Massachusetts 30 $ 9,911,000 $ 330,000 $ 134,000
Larimer County Colorado 28 $ 5,870,000 $ 209,000 $ 80,000
Hood County Texas 28 $ 784,000 $ 28,000 $ 135,000
New Haven County Connecticut 26 $ 7,192,000 $ 276,000 $ 120,000
DuPage County Illinois 26 $ 7,295,000 $ 280,000 $ 104,000
Bristol County Massachusetts 26 $ 5,727,000 $ 220,000 $ 91,000
Bell County Texas 26 $ 774,000 $ 29,000 $ 91,000
Placer County California 25 $ 7,902,000 $ 316,000 $ 168,000
Chatham County Georgia 25 $ 6,675,000 $ 267,000 $ 558,000
Essex County Massachusetts 25 $ 7,233,000 $ 289,000 $ 144,000
Washtenaw County Michigan 25 $ 6,524,000 $ 260,000 $ 72,000
McLennan County Texas 25 $ 663,000 $ 26,000 $ 217,000
Chesterfield County Virginia 25 $ 5,133,000 $ 205,000 $ 127,000
Stafford County Virginia 25 $ 1,515,000 $ 60,000 $ 84,000
Butte County California 24 $ 4,476,000 $ 186,000 $ 132,000
Hartford County Connecticut 24 $ 5,771,000 $ 240,000 $ 102,000
Gaston County North Carolina 24 $ 2,926,000 $ 121,000 $ 42,000
Lincoln County North Carolina 24 $ 3,660,000 $ 152,000 $ 60,000
Washoe County Nevada 23 $ 5,501,000 $ 239,000 $ 126,000
Fayette County Georgia 22 $ 4,660,000 $ 211,000 $ 123,000
Madison County North Carolina 22 $ 2,869,000 $ 130,000 $ 66,000
Grayson County Texas 22 $ 600,000 $ 27,000 $ 116,000
Honolulu County Hawaii 21 $ 6,976,000 $ 332,000 $ 74,000
Calvert County Maryland 21 $ 1,976,000 $ 94,000 $ 78,000
Midland County Texas 21 $ 692,000 $ 32,000 $ 172,000
Smith County Texas 21 $ 709,000 $ 33,000 $ 92,000
Santa Barbara County California 20 $ 6,768,000 $ 338,000 $ 134,000
Jefferson County Colorado 20 $ 3,568,000 $ 178,000 $ 79,000
Miami-Dade County Florida 20 $ 4,200,000 $ 210,000 $ 127,000
Harford County Maryland 20 $ 1,933,000 $ 96,000 $ 80,000
Worcester County Massachusetts 19 $ 4,645,000 $ 244,000 $ 103,000
Wise County Texas 19 $ 456,000 $ 24,000 $ 97,000
Henrico County Virginia 19 $ 2,373,000 $ 124,000 $ 91,000
Clark County Washington 19 $ 2,938,000 $ 154,000 $ 105,000
Kern County California 18 $ 2,376,000 $ 132,000 $ 84,000
Volusia County Florida 18 $ 3,833,000 $ 212,000 $ 83,000
Hall County Georgia 18 $ 3,759,000 $ 208,000 $ 125,000
Lake County Illinois 18 $ 7,868,000 $ 437,000 $ 148,000
Santa Fe County New Mexico 18 $ 6,261,000 $ 347,000 $ 149,000
Rockingham County North Carolina 18 $ 2,222,000 $ 123,000 $ 53,000
Roanoke County Virginia 18 $ 2,580,000 $ 143,000 $ 94,000
Duval County Florida 17 $ 2,921,000 $ 171,000 $ 77,000
Washington County Oregon 17 $ 3,150,000 $ 185,000 $ 92,000
Outagamie County Wisconsin 17 $ 2,152,000 $ 126,000 $ 64,000
Stanislaus County California 16 $ 2,683,000 $ 167,000 $ 86,000
Pinellas County Florida 16 $ 2,894,000 $ 180,000 $ 107,000
Genesee County Michigan 16 $ 2,595,000 $ 162,000 $ 63,000
Williamson County Tennessee 16 $ 2,927,000 $ 182,000 $ 70,000
San Benito County California 15 $ 4,270,000 $ 284,000 $ 92,000
Montgomery County Ohio 15 $ 1,283,000 $ 85,000 $ 50,000
Greenwood County South Carolina 15 $ 1,785,000 $ 119,000 $ 50,000
Burnet County Texas 15 $ 1,595,000 $ 106,000 $ 152,000
Jefferson County Texas 15 $ 416,000 $ 27,000 $ 107,000
Winnebago County Wisconsin 15 $ 1,957,000 $ 130,000 $ 68,000
Napa County California 14 $ 5,277,000 $ 376,000 $ 197,000
Pueblo County Colorado 14 $ 2,199,000 $ 157,000 $ 126,000
Dakota County Minnesota 14 $ 3,570,000 $ 255,000 $ 76,000
Hillsborough County New Hampshire 14 $ 2,572,000 $ 183,000 $ 113,000
Pickens County South Carolina 14 $ 1,564,000 $ 111,000 $ 44,000
Roanoke City County Virginia 14 $ 1,805,000 $ 128,000 $ 79,000
Baltimore City County Maryland 13 $ 754,000 $ 58,000 $ 51,000
Alamance County North Carolina 13 $ 1,601,000 $ 123,000 $ 63,000
Catawba County North Carolina 13 $ 1,951,000 $ 150,000 $ 64,000
Chester County Pennsylvania 13 $ 915,000 $ 70,000 $ 117,000
Culpeper County Virginia 13 $ 630,000 $ 48,000 $ 84,000
Pinal County Arizona 12 $ 2,128,000 $ 177,000 $ 66,000
Litchfield County Connecticut 12 $ 3,768,000 $ 314,000 $ 126,000
Coweta County Georgia 12 $ 1,535,000 $ 127,000 $ 69,000
Glynn County Georgia 12 $ 1,534,000 $ 127,000 $ 43,000
Barnstable County Massachusetts 12 $ 4,161,000 $ 346,000 $ 147,000
St. Charles County Missouri 12 $ 357,000 $ 29,000 $ 99,000
St. Louis County Missouri 12 $ 822,000 $ 68,000 $ 67,000
Suffolk County New York 12 $ 5,040,000 $ 420,000 $ 157,000
Brunswick County North Carolina 12 $ 2,163,000 $ 180,000 $ 124,000
New Hanover County North Carolina 12 $ 5,284,000 $ 440,000 $ 287,000
Vance County North Carolina 12 $ 1,159,000 $ 96,000 $ 43,000
Nueces County Texas 12 $ 236,000 $ 19,000 $ 90,000
Webb County Texas 12 $ 567,000 $ 47,000 $ 96,000
Fauquier County Virginia 12 $ 493,000 $ 41,000 $ 89,000
Virginia Beach County Virginia 12 $ 756,000 $ 63,000 $ 103,000
Coconino County Arizona 11 $ 720,000 $ 65,000 $ 124,000
El Dorado County California 11 $ 2,006,000 $ 182,000 $ 132,000
Kauai County Hawaii 11 $ 4,496,000 $ 408,000 $ 119,000
Blaine County Idaho 11 $ 2,927,000 $ 266,000 $ 90,000
Kane County Illinois 11 $ 2,347,000 $ 213,000 $ 110,000
Watauga County North Carolina 11 $ 1,354,000 $ 123,000 $ 76,000
York County Pennsylvania 11 $ 253,000 $ 23,000 $ 72,000
Kendall County Texas 11 $ 301,000 $ 27,000 $ 67,000
San Luis Obispo County California 10 $ 2,953,000 $ 295,000 $ 175,000
Yolo County California 10 $ 2,000,000 $ 200,000 $ 179,000
Weld County Colorado 10 $ 1,900,000 $ 190,000 $ 137,000
Martin County Florida 10 $ 2,861,000 $ 286,000 $ 117,000
Osceola County Florida 10 $ 2,517,000 $ 251,000 $ 100,000
Polk County Florida 10 $ 2,053,000 $ 205,000 $ 114,000
Durham County North Carolina 10 $ 1,420,000 $ 142,000 $ 61,000
Haywood County North Carolina 10 $ 993,000 $ 99,000 $ 49,000
Rowan County North Carolina 10 $ 1,202,000 $ 120,000 $ 30,000
Surry County North Carolina 10 $ 1,470,000 $ 147,000 $ 70,000
Cuyahoga County Ohio 10 $ 1,729,000 $ 172,000 $ 75,000
Tulsa County Oklahoma 10 $ 455,000 $ 45,000 $ 120,000
Multnomah County Oregon 10 $ 2,201,000 $ 220,000 $ 347,000
Horry County South Carolina 10 $ 1,428,000 $ 142,000 $ 110,000
Davidson County Tennessee 10 $ 1,208,000 $ 120,000 $ 51,000
Austin County Texas 10 $ 507,000 $ 50,000 $ 82,000
Chambers County Texas 10 $ 521,000 $ 52,000 $ 66,000
Hunt County Texas 10 $ 169,000 $ 16,000 $ 92,000
Snohomish County Washington 10 $ 2,565,000 $ 256,000 $ 82,000
Merced County California 9 $ 1,874,000 $ 208,000 $ 114,000
Collier County Florida 9 $ 1,661,000 $ 184,000 $ 108,000
Queen Anne's County Maryland 9 $ 1,005,000 $ 111,000 $ 88,000
Kent County Michigan 9 $ 1,191,000 $ 132,000 $ 67,000
Washington County Minnesota 9 $ 2,665,000 $ 296,000 $ 117,000
Bernalillo County New Mexico 9 $ 771,000 $ 85,000 $ 71,000
Bastrop County Texas 9 $ 190,000 $ 21,000 $ 97,000
Liberty County Texas 9 $ 172,000 $ 19,000 $ 83,000
Pima County Arizona 8 $ 1,126,000 $ 140,000 $ 108,000
Shasta County California 8 $ 568,000 $ 71,000 $ 71,000
New London County Connecticut 8 $ 1,768,000 $ 221,000 $ 91,000
Hillsborough County Florida 8 $ 2,967,000 $ 370,000 $ 132,000
Clayton County Georgia 8 $ 976,000 $ 122,000 $ 65,000
Douglas County Georgia 8 $ 1,182,000 $ 147,000 $ 70,000
Newton County Georgia 8 $ 851,000 $ 106,000 $ 56,000
Hamilton County Indiana 8 $ 1,120,000 $ 140,000 $ 101,000
Marion County Indiana 8 $ 2,016,000 $ 252,000 $ 170,000
Ramsey County Minnesota 8 $ 1,184,000 $ 148,000 $ 51,000
Chatham County North Carolina 8 $ 1,043,000 $ 130,000 $ 70,000
Granville County North Carolina 8 $ 1,044,000 $ 130,000 $ 54,000
Oklahoma County Oklahoma 8 $ 760,000 $ 95,000 $ 231,000
Lane County Oregon 8 $ 605,000 $ 75,000 $ 79,000
Henderson County Texas 8 $ 154,000 $ 19,000 $ 186,000
Randall County Texas 8 $ 168,000 $ 21,000 $ 146,000
Thurston County Washington 8 $ 588,000 $ 73,000 $ 83,000
Tulare County California 7 $ 954,000 $ 136,000 $ 68,000
Clay County Florida 7 $ 943,000 $ 134,000 $ 59,000
Flagler County Florida 7 $ 1,801,000 $ 257,000 $ 168,000
Paulding County Georgia 7 $ 1,230,000 $ 175,000 $ 65,000
Maui County Hawaii 7 $ 3,984,000 $ 569,000 $ 299,000
Polk County Iowa 7 $ 1,139,000 $ 162,000 $ 57,000
Scott County Iowa 7 $ 761,000 $ 108,000 $ 47,000
St. Mary's County Maryland 7 $ 382,000 $ 54,000 $ 94,000
Rockingham County New Hampshire 7 $ 1,443,000 $ 206,000 $ 83,000
Johnston County North Carolina 7 $ 978,000 $ 139,000 $ 71,000
Franklin County Ohio 7 $ 793,000 $ 113,000 $ 64,000
Deschutes County Oregon 7 $ 1,184,000 $ 169,000 $ 117,000
Bucks County Pennsylvania 7 $ 1,442,000 $ 206,000 $ 123,000
Llano County Texas 7 $ 1,331,000 $ 190,000 $ 122,000
Tom Green County Texas 7 $ 125,000 $ 17,000 $ 67,000
Washington County Texas 7 $ 110,000 $ 15,000 $ 71,000
Utah County Utah 7 $ 1,863,000 $ 266,000 $ 59,000
Albemarle County Virginia 7 $ 626,000 $ 89,000 $ 90,000
Botetourt County Virginia 7 $ 1,188,000 $ 169,000 $ 76,000
Matanuska-Susitna County Alaska 6 $ 1,025,000 $ 170,000 $ 160,000
Plumas County California 6 $ 1,570,000 $ 261,000 $ 152,000
Middlesex County Connecticut 6 $ 1,436,000 $ 239,000 $ 169,000
Brevard County Florida 6 $ 1,979,000 $ 329,000 $ 77,000
Manatee County Florida 6 $ 931,000 $ 155,000 $ 80,000
Barrow County Georgia 6 $ 673,000 $ 112,000 $ 169,000
Bryan County Georgia 6 $ 855,000 $ 142,000 $ 55,000
Gordon County Georgia 6 $ 750,000 $ 125,000 $ 84,000
Henry County Georgia 6 $ 943,000 $ 157,000 $ 72,000
Boyd County Kentucky 6 $ 483,000 $ 80,000 $ 65,000
St. Clair County Michigan 6 $ 1,126,000 $ 187,000 $ 75,000
Wright County Minnesota 6 $ 1,671,000 $ 278,000 $ 99,000
Monmouth County New Jersey 6 $ 2,194,000 $ 365,000 $ 181,000
Caldwell County North Carolina 6 $ 1,169,000 $ 194,000 $ 60,000
Franklin County North Carolina 6 $ 624,000 $ 104,000 $ 55,000
Orange County North Carolina 6 $ 1,155,000 $ 192,000 $ 140,000
Greene County Ohio 6 $ 630,000 $ 105,000 $ 73,000
Clackamas County Oregon 6 $ 1,830,000 $ 305,000 $ 184,000
Charleston County South Carolina 6 $ 1,229,000 $ 204,000 $ 78,000
Spartanburg County South Carolina 6 $ 996,000 $ 166,000 $ 69,000
Cameron County Texas 6 $ 561,000 $ 93,000 $ 167,000
Cooke County Texas 6 $ 122,000 $ 20,000 $ 114,000
Hidalgo County Texas 6 $ 142,000 $ 23,000 $ 135,000
Franklin County Virginia 6 $ 974,000 $ 162,000 $ 131,000
Hanover County Virginia 6 $ 142,000 $ 23,000 $ 73,000
Montgomery County Virginia 6 $ 675,000 $ 112,000 $ 70,000
Pierce County Washington 6 $ 755,000 $ 125,000 $ 12,000
Teton County Wyoming 6 $ 1,438,000 $ 239,000 $ 66,000
Nevada County California 5 $ 2,099,000 $ 419,000 $ 158,000
Tuolumne County California 5 $ 579,000 $ 115,000 $ 108,000
Summit County Colorado 5 $ 1,447,000 $ 289,000 $ 271,000
New Castle County Delaware 5 $ 1,496,000 $ 299,000 $ 110,000
St. Johns County Florida 5 $ 1,155,000 $ 231,000 $ 361,000
Liberty County Georgia 5 $ 329,000 $ 65,000 $ 17,000
Walton County Georgia 5 $ 923,000 $ 184,000 $ 77,000
McHenry County Illinois 5 $ 1,110,000 $ 222,000 $ 80,000
Rock Island County Illinois 5 $ 521,000 $ 104,000 $ 53,000
Hendricks County Indiana 5 $ 852,000 $ 170,000 $ 81,000
Porter County Indiana 5 $ 925,000 $ 185,000 $ 100,000
Talbot County Maryland 5 $ 460,000 $ 92,000 $ 302,000
Grand Traverse County Michigan 5 $ 435,000 $ 87,000 $ 115,000
Anoka County Minnesota 5 $ 749,000 $ 149,000 $ 47,000
Scott County Minnesota 5 $ 1,383,000 $ 276,000 $ 84,000
Essex County New Jersey 5 $ 920,000 $ 184,000 $ 71,000
Westchester County New York 5 $ 2,343,000 $ 468,000 $ 293,000
Avery County North Carolina 5 $ 927,000 $ 185,000 $ 347,000
Polk County North Carolina 5 $ 693,000 $ 138,000 $ 85,000
Warren County North Carolina 5 $ 591,000 $ 118,000 $ 58,000
Summit County Ohio 5 $ 754,000 $ 150,000 $ 52,000
Atascosa County Texas 5 $ 74,000 $ 14,000 $ 82,000
Hardin County Texas 5 $ 164,000 $ 32,000 $ 97,000
Lubbock County Texas 5 $ 257,000 $ 51,000 $ 93,000
Medina County Texas 5 $ 131,000 $ 26,000 $ 67,000
Van Zandt County Texas 5 $ 125,000 $ 25,000 $ 97,000
Wichita County Texas 5 $ 180,000 $ 36,000 $ 98,000
Salt Lake County Utah 5 $ 1,299,000 $ 259,000 $ 147,000
Summit County Utah 5 $ 2,595,000 $ 519,000 $ 281,000
Bedford County Virginia 5 $ 778,000 $ 155,000 $ 82,000
Lake County California 4 $ 569,000 $ 142,000 $ 72,000
Mendocino County California 4 $ 1,587,000 $ 396,000 $ 119,000
Eagle County Colorado 4 $ 1,442,000 $ 360,000 $ 204,000
Fremont County Colorado 4 $ 417,000 $ 104,000 $ 13,000
Teller County Colorado 4 $ 362,000 $ 90,000 $ 53,000
Okaloosa County Florida 4 $ 979,000 $ 244,000 $ 157,000
Pasco County Florida 4 $ 588,000 $ 147,000 $ 90,000
Sarasota County Florida 4 $ 570,000 $ 142,000 $ 73,000
Will County Illinois 4 $ 1,479,000 $ 369,000 $ 124,000
Allen County Indiana 4 $ 398,000 $ 99,000 $ 57,000
Linn County Iowa 4 $ 623,000 $ 155,000 $ 92,000
Johnson County Kansas 4 $ 635,000 $ 158,000 $ 74,000
Jefferson County Kentucky 4 $ 501,000 $ 125,000 $ 32,000
Kenton County Kentucky 4 $ 575,000 $ 143,000 $ 100,000
East Baton Rouge County Louisiana 4 $ 323,000 $ 80,000 $ 459,000
Washington County Maryland 4 $ 321,000 $ 80,000 $ 86,000
Lyon County Nevada 4 $ 585,000 $ 146,000 $ 108,000
Bergen County New Jersey 4 $ 1,207,000 $ 301,000 $ 161,000
Middlesex County New Jersey 4 $ 1,229,000 $ 307,000 $ 120,000
Cleveland County North Carolina 4 $ 372,000 $ 93,000 $ 33,000
Davie County North Carolina 4 $ 716,000 $ 179,000 $ 90,000
Montgomery County North Carolina 4 $ 799,000 $ 199,000 $ 244,000
Transylvania County North Carolina 4 $ 486,000 $ 121,000 $ 60,000
Franklin County Pennsylvania 4 $ 684,000 $ 171,000 $ 102,000
Anderson County South Carolina 4 $ 589,000 $ 147,000 $ 68,000
Hamilton County Tennessee 4 $ 549,000 $ 137,000 $ 72,000
Shelby County Tennessee 4 $ 782,000 $ 195,000 $ 109,000
Wilson County Tennessee 4 $ 494,000 $ 123,000 $ 70,000
Gregg County Texas 4 $ 122,000 $ 30,000 $ 71,000
Walker County Texas 4 $ 219,000 $ 54,000 $ 40,000
Wood County Texas 4 $ 153,000 $ 38,000 $ 108,000
Clarke County Virginia 4 $ 125,000 $ 31,000 $ 147,000
Fairfax City County Virginia 4 $ 274,000 $ 68,000 $ 139,000
James City County Virginia 4 $ 238,000 $ 59,000 $ 98,000
Louisa County Virginia 4 $ 266,000 $ 66,000 $ 147,000
York County Virginia 4 $ 170,000 $ 42,000 $ 66,000
Cowlitz County Washington 4 $ 586,000 $ 146,000 $ 144,000
Ohio County West Virginia 4 $ 510,000 $ 127,000 $ 88,000
Fond du Lac County Wisconsin 4 $ 420,000 $ 105,000 $ 78,000
Houston County Alabama 3 $ 290,000 $ 96,000 $ 69,000
Morgan County Alabama 3 $ 379,000 $ 126,000 $ 57,000
Mohave County Arizona 3 $ 214,000 $ 71,000 $ 106,000
Calaveras County California 3 $ 1,040,000 $ 346,000 $ 258,000
Lassen County California 3 $ 446,000 $ 148,000 $ 90,000
Madera County California 3 $ 691,000 $ 230,000 $ 73,000
Pitkin County Colorado 3 $ 3,825,000 $ 1,275,000 $ 744,000
Tolland County Connecticut 3 $ 505,000 $ 168,000 $ 82,000
Bay County Florida 3 $ 762,000 $ 254,000 $ 46,000
Lake County Florida 3 $ 883,000 $ 294,000 $ 92,000
Bartow County Georgia 3 $ 306,000 $ 102,000 $ 35,000
Bulloch County Georgia 3 $ 495,000 $ 165,000 $ 101,000
Oconee County Georgia 3 $ 857,000 $ 285,000 $ 92,000
Rockdale County Georgia 3 $ 622,000 $ 207,000 $ 84,000
Lake County Indiana 3 $ 326,000 $ 108,000 $ 49,000
Cecil County Maryland 3 $ 411,000 $ 137,000 $ 33,000
Kent County Maryland 3 $ 602,000 $ 200,000 $ 64,000
Wicomico County Maryland 3 $ 183,000 $ 61,000 $ 85,000
Nantucket County Massachusetts 3 $ 1,402,000 $ 467,000 $ 132,000
Ingham County Michigan 3 $ 760,000 $ 253,000 $ 125,000
Saginaw County Michigan 3 $ 700,000 $ 233,000 $ 85,000
St. Louis City County Missouri 3 $ 486,000 $ 162,000 $ 85,000
Merrimack County New Hampshire 3 $ 609,000 $ 203,000 $ 70,000
Queens County New York 3 $ 1,006,000 $ 335,000 $ 86,000
Rockland County New York 3 $ 1,350,000 $ 450,000 $ 181,000
Carteret County North Carolina 3 $ 571,000 $ 190,000 $ 182,000
Cumberland County North Carolina 3 $ 348,000 $ 116,000 $ 46,000
Dare County North Carolina 3 $ 1,208,000 $ 402,000 $ 234,000
Harnett County North Carolina 3 $ 850,000 $ 283,000 $ 84,000
McDowell County North Carolina 3 $ 416,000 $ 138,000 $ 98,000
Moore County North Carolina 3 $ 522,000 $ 174,000 $ 23,000
Rutherford County North Carolina 3 $ 492,000 $ 164,000 $ 125,000
Stokes County North Carolina 3 $ 343,000 $ 114,000 $ 65,000
Yadkin County North Carolina 3 $ 301,000 $ 100,000 $ 60,000
Belmont County Ohio 3 $ 135,000 $ 45,000 $ 31,000
Butler County Ohio 3 $ 444,000 $ 148,000 $ 132,000
Delaware County Ohio 3 $ 725,000 $ 241,000 $ 174,000
Hamilton County Ohio 3 $ 1,125,000 $ 375,000 $ 226,000
Medina County Ohio 3 $ 769,000 $ 256,000 $ 75,000
Miami County Ohio 3 $ 645,000 $ 215,000 $ 86,000
Warren County Ohio 3 $ 439,000 $ 146,000 $ 54,000
Cleveland County Oklahoma 3 $ 175,000 $ 58,000 $ 122,000
Wagoner County Oklahoma 3 $ 289,000 $ 96,000 $ 123,000
Allegheny County Pennsylvania 3 $ 425,000 $ 141,000 $ 129,000
Delaware County Pennsylvania 3 $ 386,000 $ 128,000 $ 136,000
Cherokee County South Carolina 3 $ 445,000 $ 148,000 $ 64,000
Laurens County South Carolina 3 $ 440,000 $ 146,000 $ 69,000
Richland County South Carolina 3 $ 348,000 $ 116,000 $ 48,000
Loudon County Tennessee 3 $ 294,000 $ 98,000 $ 38,000
Bandera County Texas 3 $ 145,000 $ 48,000 $ 84,000
Coryell County Texas 3 $ 95,000 $ 31,000 $ 92,000
Ector County Texas 3 $ 33,000 $ 11,000 $ 55,000
Harrison County Texas 3 $ 81,000 $ 27,000 $ 89,000
Howard County Texas 3 $ 56,000 $ 18,000 $ 79,000
Palo Pinto County Texas 3 $ 79,000 $ 26,000 $ 377,000
Polk County Texas 3 $ 48,000 $ 16,000 $ 86,000
Potter County Texas 3 $ 109,000 $ 36,000 $ 205,000
Val Verde County Texas 3 $ 72,000 $ 24,000 $ 156,000
Greene County Virginia 3 $ 505,000 $ 168,000 $ 103,000
Hampton County Virginia 3 $ 87,000 $ 29,000 $ 69,000
Lexington County Virginia 3 $ 521,000 $ 173,000 $ 90,000
Manassas County Virginia 3 $ 306,000 $ 102,000 $ 74,000
Newport News County Virginia 3 $ 70,000 $ 23,000 $ 155,000
Richmond City County Virginia 3 $ 245,000 $ 81,000 $ 81,000
Wayne County West Virginia 3 $ 333,000 $ 111,000 $ 56,000
St. Croix County Wisconsin 3 $ 459,000 $ 153,000 $ 558,000
Laramie County Wyoming 3 $ 307,000 $ 102,000 $ 54,000
Mobile County Alabama 2 $ 480,000 $ 240,000 $ 112,000
Cochise County Arizona 2 $ 559,000 $ 279,000 $ 85,000
Yavapai County Arizona 2 $ 519,000 $ 259,000 $ 161,000
Garland County Arkansas 2 $ 516,000 $ 258,000 $ 145,000
Monroe County Florida 2 $ 492,000 $ 246,000 $ 197,000
Nassau County Florida 2 $ 494,000 $ 247,000 $ 133,000
Walton County Florida 2 $ 648,000 $ 324,000 $ 116,000
Clarke County Georgia 2 $ 381,000 $ 190,000 $ 93,000
Columbia County Georgia 2 $ 362,000 $ 181,000 $ 95,000
Dawson County Georgia 2 $ 377,000 $ 188,000 $ 159,000
Fannin County Georgia 2 $ 936,000 $ 468,000 $ 458,000
Floyd County Georgia 2 $ 214,000 $ 107,000 $ 54,000
Jackson County Georgia 2 $ 292,000 $ 146,000 $ 40,000
Lumpkin County Georgia 2 $ 808,000 $ 404,000 $ 80,000
Richmond County Georgia 2 $ 187,000 $ 93,000 $ 139,000
Ada County Idaho 2 $ 450,000 $ 225,000 $ 130,000
Henry County Illinois 2 $ 244,000 $ 122,000 $ 73,000
Macon County Illinois 2 $ 79,000 $ 39,000 $ 44,000
St. Clair County Illinois 2 $ 205,000 $ 102,000 $ 84,000
Johnson County Indiana 2 $ 163,000 $ 81,000 $ 68,000
Madison County Indiana 2 $ 287,000 $ 143,000 $ 97,000
Tippecanoe County Indiana 2 $ 463,000 $ 231,000 $ 165,000
Clinton County Iowa 2 $ 176,000 $ 88,000 $ 62,000
Johnson County Iowa 2 $ 566,000 $ 283,000 $ 165,000
Worcester County Maryland 2 $ 288,000 $ 144,000 $ 117,000
Franklin County Massachusetts 2 $ 276,000 $ 138,000 $ 58,000
Hampden County Massachusetts 2 $ 295,000 $ 147,000 $ 44,000
Bay County Michigan 2 $ 268,000 $ 134,000 $ 39,000
Cheboygan County Michigan 2 $ 485,000 $ 242,000 $ 95,000
Jackson County Michigan 2 $ 246,000 $ 123,000 $ 45,000
Kalamazoo County Michigan 2 $ 570,000 $ 285,000 $ 108,000
Monroe County Michigan 2 $ 355,000 $ 177,000 $ 107,000
Muskegon County Michigan 2 $ 179,000 $ 89,000 $ 39,000
Aitkin County Minnesota 2 $ 385,000 $ 192,000 $ 147,000
Crow Wing County Minnesota 2 $ 569,000 $ 284,000 $ 168,000
Goodhue County Minnesota 2 $ 525,000 $ 262,000 $ 78,000
Franklin County Missouri 2 $ 36,000 $ 18,000 $ 59,000
Jackson County Missouri 2 $ 253,000 $ 126,000 $ 0
Douglas County Nevada 2 $ 894,000 $ 447,000 $ 381,000
Cheshire County New Hampshire 2 $ 186,000 $ 93,000 $ 68,000
Grafton County New Hampshire 2 $ 620,000 $ 310,000 $ 140,000
Strafford County New Hampshire 2 $ 388,000 $ 194,000 $ 644,000
Passaic County New Jersey 2 $ 732,000 $ 366,000 $ 125,000
Dona Ana County New Mexico 2 $ 501,000 $ 250,000 $ 104,000
Nassau County New York 2 $ 880,000 $ 440,000 $ 266,000
Orange County New York 2 $ 717,000 $ 358,000 $ 129,000
Ashe County North Carolina 2 $ 527,000 $ 263,000 $ 82,000
Burke County North Carolina 2 $ 161,000 $ 80,000 $ 50,000
Craven County North Carolina 2 $ 159,000 $ 79,000 $ 66,000
Halifax County North Carolina 2 $ 179,000 $ 89,000 $ 26,000
Lee County North Carolina 2 $ 298,000 $ 149,000 $ 60,000
Pender County North Carolina 2 $ 253,000 $ 126,000 $ 130,000
Stanly County North Carolina 2 $ 239,000 $ 119,000 $ 55,000
Swain County North Carolina 2 $ 220,000 $ 110,000 $ 50,000
Clark County Ohio 2 $ 151,000 $ 75,000 $ 65,000
Lawrence County Ohio 2 $ 146,000 $ 73,000 $ 49,000
Philadelphia County Pennsylvania 2 $ 115,000 $ 57,000 $ 56,000
Newport County Rhode Island 2 $ 661,000 $ 330,000 $ 174,000
Providence County Rhode Island 2 $ 390,000 $ 195,000 $ 201,000
Washington County Rhode Island 2 $ 865,000 $ 432,000 $ 13,000
Beaufort County South Carolina 2 $ 638,000 $ 319,000 $ 153,000
Lancaster County South Carolina 2 $ 248,000 $ 124,000 $ 50,000
Lexington County South Carolina 2 $ 279,000 $ 139,000 $ 91,000
Rutherford County Tennessee 2 $ 266,000 $ 133,000 $ 38,000
Sullivan County Tennessee 2 $ 158,000 $ 79,000 $ 42,000
Angelina County Texas 2 $ 82,000 $ 41,000 $ 90,000
Blanco County Texas 2 $ 37,000 $ 18,000 $ 83,000
Brown County Texas 2 $ 177,000 $ 88,000 $ 281,000
Calhoun County Texas 2 $ 48,000 $ 24,000 $ 152,000
Colorado County Texas 2 $ 177,000 $ 88,000 $ 96,000
Fannin County Texas 2 $ 83,000 $ 41,000 $ 52,000
Freestone County Texas 2 $ 79,000 $ 39,000 $ 142,000
Gillespie County Texas 2 $ 35,000 $ 17,000 $ 56,000
Grimes County Texas 2 $ 28,000 $ 14,000 $ 73,000
Jackson County Texas 2 $ 61,000 $ 30,000 $ 79,000
Kerr County Texas 2 $ 33,000 $ 16,000 $ 82,000
Lee County Texas 2 $ 78,000 $ 39,000 $ 77,000
Leon County Texas 2 $ 76,000 $ 38,000 $ 171,000
Matagorda County Texas 2 $ 55,000 $ 27,000 $ 126,000
Maverick County Texas 2 $ 92,000 $ 46,000 $ 95,000
Wilson County Texas 2 $ 47,000 $ 23,000 $ 98,000
Charlottesville County Virginia 2 $ 355,000 $ 177,000 $ 41,000
Chesapeake County Virginia 2 $ 94,000 $ 47,000 $ 194,000
Colonial Heights County Virginia 2 $ 65,000 $ 32,000 $ 96,000
Falls Church County Virginia 2 $ 78,000 $ 39,000 $ 110,000
Frederick County Virginia 2 $ 78,000 $ 39,000 $ 113,000
King George County Virginia 2 $ 82,000 $ 41,000 $ 77,000
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Mortgage Loan Application Detail Totals for Guaranty Bank 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
Home Purchase (one-to-four family) 12,361 $1,615,705,000 $178,382 $5,000,000 $103,468 $4,860,000
Refinancing (home purchase or home improvement, one-to-four family) 10,652 $2,232,105,000 $216,851 $5,550,000 $104,297 $3,175,000
Home Improvement (one-to-four family) 409 $15,770,000 $158,333 $387,000 $114,333 $3,645,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $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 17,646 $2,817,271,000 $193,510 $5,550,000 $107,551 $3,645,000
Information not provided by applicant in mail or telephone application 1,733 $370,628,000 $210,444 $1,912,000 $100,000 $2,000,000
Asian or Pacific Islander 1,656 $295,784,000 $177,653 $1,500,000 $91,000 $4,860,000
Hispanic 1,134 $182,043,000 $188,642 $1,050,000 $113,500 $3,360,000
Black 771 $105,777,000 $160,517 $1,330,000 $84,206 $1,150,000
Other 326 $49,726,000 $180,571 $1,300,000 $95,904 $480,000
Not applicable 96 $32,278,000 $369,153 $1,500,000 $189,538 $1,012,000
American Indian or Alaskan Native 60 $10,073,000 $193,153 $694,000 $99,538 $343,000

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) 22,440 $3,740,578,000 $197,142 $5,550,000 $110,326 $4,860,000
FHA-insured (Federal Housing Administration) 810 $98,605,000 $134,366 $325,000 $39,366 $801,000
VA-guaranteed (Veterans Administration) 170 $24,143,000 $131,235 $250,000 $43,941 $963,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $254,000 $127,000 $139,000 $88,000 $119,000

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 Purchased By The Institution 14,290 $3,560,234,000 $207,265 $5,550,000 $104,653 $4,860,000
Loan Originated 6,498 $205,950,000 $33,272 $331,000 $104,318 $3,645,000
Application Denied By Financial Institution 1,552 $59,704,000 $45,750 $540,000 $101,875 $1,027,000
Application Approved But Not Accepted 1,053 $36,356,000 $45,166 $229,000 $111,333 $761,000
Application Withdrawn By Applicant 29 $1,336,000 $97,500 $315,000 $270,500 $2,000,000
File Closed For Incompleteness 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
Credit History 856 $28,786,000 $43,000 $540,000 $95,142 $1,027,000
Debt-To-Income Ratio 353 $13,598,000 $46,666 $289,000 $83,500 $391,000
Other 253 $14,437,000 $60,285 $500,000 $131,857 $840,000
Employment History 61 $2,027,000 $60,666 $215,000 $123,000 $312,000
Credit Application Incomplete 16 $469,000 $32,333 $77,000 $90,333 $161,000
Unverifiable Information 9 $246,000 $22,000 $100,000 $123,333 $246,000
Collateral 3 $103,000 $38,000 $50,000 $112,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 1 $38,000 $38,000 $38,000 $154,000 $154,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank'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'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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