Guaranty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006

Guaranty Bank 2006 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 21,136
Total Mortgage Loan Application Amount $6,160,180,000
Average Mortgage Loan Application Amount $237,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $90,666
Highest Applicant Income $7,840,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.

Mortgage Loan Application Totals for Guaranty Bank by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa County Arizona 2,424 $ 656,671,000 $ 270,000 $ 71,000
Cook County Illinois 1,255 $ 355,269,000 $ 283,000 $ 95,000
El Paso County Colorado 761 $ 183,180,000 $ 240,000 $ 73,000
Mecklenburg County North Carolina 680 $ 112,974,000 $ 166,000 $ 65,000
DuPage County Illinois 598 $ 155,798,000 $ 260,000 $ 97,000
Los Angeles County California 578 $ 248,181,000 $ 429,000 $ 117,000
Riverside County California 534 $ 178,311,000 $ 333,000 $ 100,000
Clark County Nevada 525 $ 142,329,000 $ 271,000 $ 83,000
Bexar County Texas 502 $ 62,659,000 $ 124,000 $ 68,000
Guilford County North Carolina 451 $ 76,811,000 $ 170,000 $ 84,000
Orange County California 433 $ 219,872,000 $ 507,000 $ 142,000
San Diego County California 406 $ 152,661,000 $ 376,000 $ 119,000
Harris County Texas 336 $ 56,803,000 $ 169,000 $ 111,000
Buncombe County North Carolina 317 $ 57,335,000 $ 180,000 $ 79,000
Pinal County Arizona 315 $ 60,722,000 $ 192,000 $ 56,000
San Bernardino County California 310 $ 88,690,000 $ 286,000 $ 87,000
Will County Illinois 247 $ 54,548,000 $ 220,000 $ 83,000
Pima County Arizona 236 $ 54,400,000 $ 230,000 $ 65,000
Dallas County Texas 235 $ 44,629,000 $ 189,000 $ 92,000
Salt Lake County Utah 235 $ 61,941,000 $ 263,000 $ 50,000
Tarrant County Texas 197 $ 33,745,000 $ 171,000 $ 83,000
San Joaquin County California 196 $ 77,390,000 $ 394,000 $ 139,000
Union County North Carolina 195 $ 33,146,000 $ 169,000 $ 58,000
Contra Costa County California 189 $ 85,532,000 $ 452,000 $ 115,000
Sacramento County California 184 $ 56,966,000 $ 309,000 $ 84,000
Gaston County North Carolina 181 $ 22,888,000 $ 126,000 $ 48,000
Travis County Texas 181 $ 37,267,000 $ 205,000 $ 116,000
Cabarrus County North Carolina 171 $ 24,430,000 $ 142,000 $ 44,000
Broward County Florida 169 $ 42,829,000 $ 253,000 $ 93,000
Davis County Utah 161 $ 27,233,000 $ 169,000 $ 51,000
Oakland County Michigan 152 $ 27,590,000 $ 181,000 $ 76,000
Miami-Dade County Florida 144 $ 37,447,000 $ 260,000 $ 71,000
Macomb County Michigan 142 $ 19,773,000 $ 139,000 $ 51,000
Collin County Texas 142 $ 32,532,000 $ 229,000 $ 94,000
Kane County Illinois 140 $ 34,707,000 $ 247,000 $ 79,000
York County South Carolina 129 $ 21,578,000 $ 167,000 $ 57,000
Stanislaus County California 127 $ 42,441,000 $ 334,000 $ 104,000
Davidson County Tennessee 126 $ 19,194,000 $ 152,000 $ 64,000
Wayne County Michigan 115 $ 16,621,000 $ 144,000 $ 57,000
Palm Beach County Florida 112 $ 26,618,000 $ 237,000 $ 95,000
Douglas County Colorado 104 $ 30,430,000 $ 292,000 $ 92,000
Orange County Florida 93 $ 27,065,000 $ 291,000 $ 102,000
Wake County North Carolina 90 $ 19,147,000 $ 212,000 $ 104,000
Henderson County North Carolina 89 $ 14,034,000 $ 157,000 $ 71,000
Santa Clara County California 83 $ 39,218,000 $ 472,000 $ 100,000
Placer County California 81 $ 30,632,000 $ 378,000 $ 116,000
Williamson County Tennessee 79 $ 19,781,000 $ 250,000 $ 83,000
Alameda County California 77 $ 40,196,000 $ 522,000 $ 133,000
Denton County Texas 76 $ 14,308,000 $ 188,000 $ 86,000
Fairfax County Virginia 72 $ 32,650,000 $ 453,000 $ 139,000
Lake County Illinois 69 $ 23,241,000 $ 336,000 $ 119,000
Williamson County Texas 68 $ 10,786,000 $ 158,000 $ 74,000
Fresno County California 67 $ 17,019,000 $ 254,000 $ 85,000
Bell County Texas 67 $ 8,035,000 $ 119,000 $ 63,000
Sonoma County California 64 $ 40,445,000 $ 631,000 $ 255,000
Nye County Nevada 62 $ 12,877,000 $ 207,000 $ 90,000
Larimer County Colorado 61 $ 10,590,000 $ 173,000 $ 65,000
Arapahoe County Colorado 59 $ 12,552,000 $ 212,000 $ 59,000
Rutherford County Tennessee 59 $ 7,829,000 $ 132,000 $ 50,000
Yolo County California 58 $ 24,521,000 $ 422,000 $ 162,000
Genesee County Michigan 57 $ 6,873,000 $ 120,000 $ 47,000
Montgomery County Texas 55 $ 7,286,000 $ 132,000 $ 120,000
Honolulu County Hawaii 54 $ 32,087,000 $ 594,000 $ 188,000
Pulaski County Arkansas 52 $ 7,440,000 $ 143,000 $ 54,000
Ellis County Texas 52 $ 5,872,000 $ 112,000 $ 57,000
Seminole County Florida 51 $ 11,001,000 $ 215,000 $ 84,000
Fort Bend County Texas 50 $ 9,425,000 $ 188,000 $ 115,000
Adams County Colorado 49 $ 9,857,000 $ 201,000 $ 81,000
Lee County Florida 48 $ 13,868,000 $ 288,000 $ 136,000
Cochise County Arizona 43 $ 10,029,000 $ 233,000 $ 61,000
Monterey County California 43 $ 18,345,000 $ 426,000 $ 101,000
McHenry County Illinois 43 $ 8,679,000 $ 201,000 $ 77,000
Duval County Florida 42 $ 7,925,000 $ 188,000 $ 63,000
Kendall County Illinois 41 $ 8,958,000 $ 218,000 $ 124,000
Broomfield County Colorado 40 $ 11,769,000 $ 294,000 $ 113,000
Fulton County Georgia 40 $ 9,566,000 $ 239,000 $ 120,000
Ventura County California 38 $ 17,250,000 $ 453,000 $ 164,000
Galveston County Texas 37 $ 4,590,000 $ 124,000 $ 82,000
Utah County Utah 37 $ 6,917,000 $ 186,000 $ 60,000
Prince William County Virginia 37 $ 14,451,000 $ 390,000 $ 102,000
Solano County California 36 $ 14,714,000 $ 408,000 $ 105,000
Brazoria County Texas 36 $ 4,470,000 $ 124,000 $ 83,000
Weber County Utah 36 $ 5,334,000 $ 148,000 $ 35,000
Loudoun County Virginia 36 $ 18,672,000 $ 518,000 $ 136,000
Kern County California 35 $ 8,063,000 $ 230,000 $ 79,000
Wilson County Tennessee 35 $ 5,884,000 $ 168,000 $ 66,000
Merced County California 34 $ 9,499,000 $ 279,000 $ 95,000
Tulare County California 34 $ 8,346,000 $ 245,000 $ 71,000
Hillsborough County Florida 34 $ 12,188,000 $ 358,000 $ 79,000
Marion County Indiana 32 $ 4,013,000 $ 125,000 $ 49,000
Forsyth County North Carolina 32 $ 4,684,000 $ 146,000 $ 64,000
Polk County Florida 31 $ 5,351,000 $ 172,000 $ 67,000
Jefferson County Colorado 30 $ 7,014,000 $ 233,000 $ 91,000
Baltimore County Maryland 30 $ 6,765,000 $ 225,000 $ 68,000
Brown County Wisconsin 30 $ 3,578,000 $ 119,000 $ 47,000
Cobb County Georgia 29 $ 6,421,000 $ 221,000 $ 91,000
DeKalb County Georgia 29 $ 5,732,000 $ 197,000 $ 88,000
Guadalupe County Texas 28 $ 3,866,000 $ 138,000 $ 58,000
El Dorado County California 27 $ 10,578,000 $ 391,000 $ 133,000
San Francisco County California 27 $ 20,910,000 $ 774,000 $ 196,000
Volusia County Florida 27 $ 5,919,000 $ 219,000 $ 114,000
Gwinnett County Georgia 27 $ 4,840,000 $ 179,000 $ 60,000
Matanuska-Susitna County Alaska 26 $ 5,447,000 $ 209,000 $ 90,000
Midland County Michigan 26 $ 2,166,000 $ 83,000 $ 45,000
Durham County North Carolina 26 $ 5,057,000 $ 194,000 $ 92,000
Sumner County Tennessee 26 $ 4,228,000 $ 162,000 $ 87,000
Weld County Colorado 25 $ 5,284,000 $ 211,000 $ 74,000
Pinellas County Florida 25 $ 4,231,000 $ 169,000 $ 57,000
St. Clair County Michigan 25 $ 3,446,000 $ 137,000 $ 37,000
King County Washington 25 $ 27,119,000 $ 1,084,000 $ 139,000
Washoe County Nevada 24 $ 7,055,000 $ 293,000 $ 158,000
Summit County Ohio 24 $ 2,741,000 $ 114,000 $ 39,000
Shelby County Tennessee 24 $ 4,280,000 $ 178,000 $ 60,000
Hays County Texas 24 $ 4,200,000 $ 175,000 $ 71,000
Davidson County North Carolina 23 $ 2,862,000 $ 124,000 $ 67,000
Brazos County Texas 23 $ 2,493,000 $ 108,000 $ 147,000
San Mateo County California 22 $ 10,790,000 $ 490,000 $ 106,000
Milwaukee County Wisconsin 22 $ 2,831,000 $ 128,000 $ 83,000
Livingston County Michigan 21 $ 3,952,000 $ 188,000 $ 58,000
Alamance County North Carolina 21 $ 2,413,000 $ 114,000 $ 73,000
Haywood County North Carolina 21 $ 4,144,000 $ 197,000 $ 79,000
Oklahoma County Oklahoma 21 $ 3,672,000 $ 174,000 $ 235,000
Osceola County Florida 20 $ 5,302,000 $ 265,000 $ 209,000
Randolph County North Carolina 20 $ 2,491,000 $ 124,000 $ 49,000
Denver County Colorado 19 $ 4,501,000 $ 236,000 $ 80,000
Kalamazoo County Michigan 19 $ 2,261,000 $ 119,000 $ 43,000
Saginaw County Michigan 19 $ 2,018,000 $ 106,000 $ 45,000
Multnomah County Oregon 19 $ 4,901,000 $ 257,000 $ 104,000
Horry County South Carolina 19 $ 3,656,000 $ 192,000 $ 113,000
Lake County Indiana 18 $ 2,391,000 $ 132,000 $ 115,000
Prince George's County Maryland 18 $ 5,540,000 $ 307,000 $ 84,000
Wright County Minnesota 18 $ 3,049,000 $ 169,000 $ 57,000
Rockingham County North Carolina 18 $ 3,152,000 $ 175,000 $ 96,000
Kaufman County Texas 18 $ 2,536,000 $ 140,000 $ 82,000
Kendall County Texas 18 $ 3,308,000 $ 183,000 $ 128,000
Rockwall County Texas 18 $ 2,920,000 $ 162,000 $ 57,000
Napa County California 17 $ 7,830,000 $ 460,000 $ 112,000
Pasco County Florida 17 $ 2,928,000 $ 172,000 $ 59,000
Jefferson County Kentucky 17 $ 2,698,000 $ 158,000 $ 59,000
Lincoln County North Carolina 17 $ 2,607,000 $ 153,000 $ 48,000
Washington County Oregon 17 $ 4,048,000 $ 238,000 $ 68,000
Knox County Tennessee 17 $ 3,046,000 $ 179,000 $ 80,000
Collier County Florida 16 $ 4,019,000 $ 251,000 $ 83,000
Jefferson County Alabama 15 $ 2,653,000 $ 176,000 $ 61,000
Mohave County Arizona 15 $ 2,900,000 $ 193,000 $ 103,000
Madera County California 15 $ 3,835,000 $ 255,000 $ 67,000
Hamilton County Indiana 15 $ 2,240,000 $ 149,000 $ 76,000
Hennepin County Minnesota 15 $ 2,997,000 $ 199,000 $ 141,000
Orange County North Carolina 15 $ 4,306,000 $ 287,000 $ 134,000
Boulder County Colorado 14 $ 3,104,000 $ 221,000 $ 148,000
Anne Arundel County Maryland 14 $ 3,466,000 $ 247,000 $ 623,000
Montgomery County Maryland 14 $ 5,502,000 $ 393,000 $ 133,000
Jackson County Missouri 14 $ 1,997,000 $ 142,000 $ 63,000
Shasta County California 13 $ 3,250,000 $ 250,000 $ 101,000
Fairfield County Connecticut 13 $ 10,250,000 $ 788,000 $ 293,000
Hendricks County Indiana 13 $ 1,690,000 $ 130,000 $ 188,000
Carroll County Maryland 13 $ 2,908,000 $ 223,000 $ 74,000
Madison County Mississippi 13 $ 1,191,000 $ 91,000 $ 82,000
Iredell County North Carolina 13 $ 2,942,000 $ 226,000 $ 69,000
Comal County Texas 13 $ 2,058,000 $ 158,000 $ 104,000
McLennan County Texas 13 $ 1,419,000 $ 109,000 $ 57,000
Navajo County Arizona 12 $ 2,399,000 $ 199,000 $ 133,000
Baxter County Arkansas 12 $ 1,896,000 $ 158,000 $ 65,000
Teller County Colorado 12 $ 2,404,000 $ 200,000 $ 66,000
District of Columbia County District Of Columbia 12 $ 32,686,000 $ 2,723,000 $ 106,000
Brevard County Florida 12 $ 2,585,000 $ 215,000 $ 101,000
Clay County Florida 12 $ 2,627,000 $ 218,000 $ 84,000
Lake County Florida 12 $ 3,845,000 $ 320,000 $ 157,000
Liberty County Georgia 12 $ 1,452,000 $ 121,000 $ 37,000
DeKalb County Illinois 12 $ 2,296,000 $ 191,000 $ 59,000
Middlesex County Massachusetts 12 $ 4,134,000 $ 344,000 $ 112,000
Ingham County Michigan 12 $ 1,554,000 $ 129,000 $ 61,000
York County Pennsylvania 12 $ 2,376,000 $ 198,000 $ 54,000
Maury County Tennessee 12 $ 1,770,000 $ 147,000 $ 50,000
Hunt County Texas 12 $ 1,276,000 $ 106,000 $ 66,000
Walworth County Wisconsin 12 $ 2,799,000 $ 233,000 $ 125,000
Baldwin County Alabama 11 $ 1,719,000 $ 156,000 $ 56,000
Mendocino County California 11 $ 3,387,000 $ 307,000 $ 74,000
Muscogee County Georgia 11 $ 2,346,000 $ 213,000 $ 48,000
St. Joseph County Indiana 11 $ 1,280,000 $ 116,000 $ 54,000
Baltimore City County Maryland 11 $ 1,341,000 $ 121,000 $ 43,000
Washington County Maryland 11 $ 2,253,000 $ 204,000 $ 54,000
Lapeer County Michigan 11 $ 1,683,000 $ 153,000 $ 85,000
Vance County North Carolina 11 $ 990,000 $ 90,000 $ 31,000
Hamilton County Tennessee 11 $ 1,552,000 $ 141,000 $ 61,000
Jefferson County Texas 11 $ 1,264,000 $ 114,000 $ 38,000
Cowlitz County Washington 11 $ 1,927,000 $ 175,000 $ 58,000
Outagamie County Wisconsin 11 $ 1,498,000 $ 136,000 $ 38,000
Imperial County California 10 $ 1,938,000 $ 193,000 $ 123,000
Marin County California 10 $ 9,095,000 $ 909,000 $ 290,000
Santa Barbara County California 10 $ 9,209,000 $ 920,000 $ 175,000
New Haven County Connecticut 10 $ 2,098,000 $ 209,000 $ 72,000
Charlotte County Florida 10 $ 2,589,000 $ 258,000 $ 144,000
Escambia County Florida 10 $ 1,518,000 $ 151,000 $ 46,000
Sarasota County Florida 10 $ 2,566,000 $ 256,000 $ 113,000
St. Johns County Florida 10 $ 2,300,000 $ 230,000 $ 137,000
St. Lucie County Florida 10 $ 1,814,000 $ 181,000 $ 37,000
Johnson County Indiana 10 $ 1,102,000 $ 110,000 $ 55,000
Berrien County Michigan 10 $ 1,687,000 $ 168,000 $ 128,000
Rankin County Mississippi 10 $ 1,761,000 $ 176,000 $ 61,000
Pierce County Washington 10 $ 2,185,000 $ 218,000 $ 48,000
Madison County Alabama 9 $ 979,000 $ 108,000 $ 77,000
Lonoke County Arkansas 9 $ 1,070,000 $ 118,000 $ 44,000
Marion County Florida 9 $ 1,296,000 $ 144,000 $ 62,000
Cherokee County Georgia 9 $ 2,222,000 $ 246,000 $ 78,000
LaSalle County Illinois 9 $ 1,621,000 $ 180,000 $ 98,000
Hampden County Massachusetts 9 $ 1,099,000 $ 122,000 $ 26,000
Worcester County Massachusetts 9 $ 2,331,000 $ 259,000 $ 57,000
Kent County Michigan 9 $ 5,289,000 $ 587,000 $ 80,000
Washtenaw County Michigan 9 $ 1,523,000 $ 169,000 $ 59,000
Carteret County North Carolina 9 $ 4,491,000 $ 499,000 $ 209,000
Catawba County North Carolina 9 $ 761,000 $ 84,000 $ 32,000
Cleveland County North Carolina 9 $ 890,000 $ 98,000 $ 42,000
Johnston County North Carolina 9 $ 1,993,000 $ 221,000 $ 79,000
New Hanover County North Carolina 9 $ 1,870,000 $ 207,000 $ 109,000
Hamilton County Ohio 9 $ 1,811,000 $ 201,000 $ 91,000
Marion County Oregon 9 $ 1,499,000 $ 166,000 $ 216,000
Robertson County Tennessee 9 $ 1,317,000 $ 146,000 $ 57,000
Bandera County Texas 9 $ 624,000 $ 69,000 $ 31,000
Tooele County Utah 9 $ 1,254,000 $ 139,000 $ 39,000
Washington County Utah 9 $ 2,485,000 $ 276,000 $ 100,000
Lynchburg County Virginia 9 $ 835,000 $ 92,000 $ 57,000
Stafford County Virginia 9 $ 3,847,000 $ 427,000 $ 124,000
Clark County Washington 9 $ 10,446,000 $ 1,160,000 $ 58,000
Yavapai County Arizona 8 $ 2,255,000 $ 281,000 $ 109,000
Saline County Arkansas 8 $ 941,000 $ 117,000 $ 53,000
Lake County California 8 $ 2,714,000 $ 339,000 $ 172,000
San Luis Obispo County California 8 $ 3,040,000 $ 380,000 $ 296,000
Manatee County Florida 8 $ 1,527,000 $ 190,000 $ 59,000
Bryan County Georgia 8 $ 1,826,000 $ 228,000 $ 45,000
Hawaii County Hawaii 8 $ 2,011,000 $ 251,000 $ 74,000
Fayette County Kentucky 8 $ 1,592,000 $ 199,000 $ 46,000
Charles County Maryland 8 $ 1,739,000 $ 217,000 $ 53,000
Norfolk County Massachusetts 8 $ 2,478,000 $ 309,000 $ 84,000
Allegan County Michigan 8 $ 2,774,000 $ 346,000 $ 114,000
Montgomery County Ohio 8 $ 699,000 $ 87,000 $ 29,000
Charleston County South Carolina 8 $ 1,903,000 $ 237,000 $ 79,000
Lancaster County South Carolina 8 $ 1,212,000 $ 151,000 $ 41,000
Coryell County Texas 8 $ 1,105,000 $ 138,000 $ 64,000
Nueces County Texas 8 $ 1,158,000 $ 144,000 $ 83,000
Parker County Texas 8 $ 1,745,000 $ 218,000 $ 109,000
Smith County Texas 8 $ 808,000 $ 101,000 $ 238,000
Summit County Utah 8 $ 3,089,000 $ 386,000 $ 81,000
Alexandria County Virginia 8 $ 3,087,000 $ 385,000 $ 135,000
Arlington County Virginia 8 $ 3,727,000 $ 465,000 $ 139,000
Henrico County Virginia 8 $ 1,599,000 $ 199,000 $ 69,000
Anchorage County Alaska 7 $ 1,412,000 $ 201,000 $ 87,000
Faulkner County Arkansas 7 $ 822,000 $ 117,000 $ 39,000
Kings County California 7 $ 1,276,000 $ 182,000 $ 79,000
Pueblo County Colorado 7 $ 934,000 $ 133,000 $ 52,000
Hartford County Connecticut 7 $ 1,822,000 $ 260,000 $ 92,000
Litchfield County Connecticut 7 $ 1,328,000 $ 189,000 $ 56,000
Lowndes County Georgia 7 $ 1,155,000 $ 165,000 $ 54,000
Kauai County Hawaii 7 $ 4,341,000 $ 620,000 $ 127,000
Dakota County Minnesota 7 $ 1,638,000 $ 234,000 $ 84,000
Ramsey County Minnesota 7 $ 952,000 $ 136,000 $ 41,000
Greene County Missouri 7 $ 969,000 $ 138,000 $ 111,000
Granville County North Carolina 7 $ 926,000 $ 132,000 $ 52,000
Madison County North Carolina 7 $ 1,434,000 $ 204,000 $ 52,000
Rowan County North Carolina 7 $ 847,000 $ 121,000 $ 51,000
Stark County Ohio 7 $ 893,000 $ 127,000 $ 54,000
Clackamas County Oregon 7 $ 1,049,000 $ 149,000 $ 55,000
Blount County Tennessee 7 $ 1,166,000 $ 166,000 $ 90,000
Cheatham County Tennessee 7 $ 909,000 $ 129,000 $ 55,000
Polk County Texas 7 $ 219,000 $ 31,000 $ 29,000
Spotsylvania County Virginia 7 $ 1,628,000 $ 232,000 $ 88,000
Garland County Arkansas 6 $ 808,000 $ 134,000 $ 55,000
Santa Cruz County California 6 $ 3,134,000 $ 522,000 $ 392,000
Forsyth County Georgia 6 $ 2,370,000 $ 395,000 $ 63,000
Hall County Georgia 6 $ 1,515,000 $ 252,000 $ 90,000
Ada County Idaho 6 $ 1,895,000 $ 315,000 $ 250,000
Kankakee County Illinois 6 $ 773,000 $ 128,000 $ 52,000
Allen County Indiana 6 $ 823,000 $ 137,000 $ 61,000
Morgan County Indiana 6 $ 456,000 $ 76,000 $ 24,000
Porter County Indiana 6 $ 1,000,000 $ 166,000 $ 58,000
Frederick County Maryland 6 $ 1,802,000 $ 300,000 $ 40,000
Harford County Maryland 6 $ 1,550,000 $ 258,000 $ 197,000
Wicomico County Maryland 6 $ 1,401,000 $ 233,000 $ 101,000
Essex County Massachusetts 6 $ 2,640,000 $ 440,000 $ 181,000
Sherburne County Minnesota 6 $ 1,012,000 $ 168,000 $ 54,000
St. Louis County Missouri 6 $ 1,988,000 $ 331,000 $ 109,000
Watauga County North Carolina 6 $ 1,316,000 $ 219,000 $ 329,000
Portage County Ohio 6 $ 567,000 $ 94,000 $ 17,000
Philadelphia County Pennsylvania 6 $ 1,312,000 $ 218,000 $ 87,000
Madison County Tennessee 6 $ 771,000 $ 128,000 $ 79,000
Montgomery County Tennessee 6 $ 650,000 $ 108,000 $ 54,000
Johnson County Texas 6 $ 686,000 $ 114,000 $ 64,000
Washington County Texas 6 $ 346,000 $ 57,000 $ 81,000
Box Elder County Utah 6 $ 781,000 $ 130,000 $ 39,000
Hanover County Virginia 6 $ 1,117,000 $ 186,000 $ 36,000
Snohomish County Washington 6 $ 1,768,000 $ 294,000 $ 91,000
Dane County Wisconsin 6 $ 1,894,000 $ 315,000 $ 155,000
Winnebago County Wisconsin 6 $ 17,042,000 $ 2,840,000 $ 37,000
Montgomery County Alabama 5 $ 510,000 $ 102,000 $ 25,000
Russell County Alabama 5 $ 675,000 $ 135,000 $ 87,000
Shelby County Alabama 5 $ 1,123,000 $ 224,000 $ 70,000
Yuma County Arizona 5 $ 592,000 $ 118,000 $ 46,000
Butte County California 5 $ 1,021,000 $ 204,000 $ 57,000
Calaveras County California 5 $ 581,000 $ 116,000 $ 44,000
Humboldt County California 5 $ 1,526,000 $ 305,000 $ 117,000
Lassen County California 5 $ 678,000 $ 135,000 $ 34,000
Yuba County California 5 $ 1,316,000 $ 263,000 $ 118,000
Citrus County Florida 5 $ 5,929,000 $ 1,185,000 $ 56,000
Indian River County Florida 5 $ 1,082,000 $ 216,000 $ 118,000
Leon County Florida 5 $ 1,025,000 $ 205,000 $ 165,000
Barrow County Georgia 5 $ 853,000 $ 170,000 $ 68,000
Richmond County Georgia 5 $ 477,000 $ 95,000 $ 54,000
Maui County Hawaii 5 $ 3,891,000 $ 778,000 $ 195,000
Clark County Indiana 5 $ 959,000 $ 191,000 $ 95,000
Elkhart County Indiana 5 $ 543,000 $ 108,000 $ 54,000
Tippecanoe County Indiana 5 $ 535,000 $ 107,000 $ 254,000
Howard County Maryland 5 $ 2,297,000 $ 459,000 $ 176,000
Calhoun County Michigan 5 $ 399,000 $ 79,000 $ 43,000
Jackson County Michigan 5 $ 684,000 $ 136,000 $ 51,000
Monroe County Michigan 5 $ 739,000 $ 147,000 $ 80,000
Brunswick County North Carolina 5 $ 2,796,000 $ 559,000 $ 250,000
Clark County Ohio 5 $ 526,000 $ 105,000 $ 42,000
Cuyahoga County Ohio 5 $ 508,000 $ 101,000 $ 49,000
Adams County Pennsylvania 5 $ 851,000 $ 170,000 $ 57,000
Beaufort County South Carolina 5 $ 3,536,000 $ 707,000 $ 326,000
Lexington County South Carolina 5 $ 391,000 $ 78,000 $ 47,000
Richland County South Carolina 5 $ 699,000 $ 139,000 $ 60,000
Coffee County Tennessee 5 $ 474,000 $ 94,000 $ 58,000
Dickson County Tennessee 5 $ 575,000 $ 115,000 $ 57,000
Marshall County Tennessee 5 $ 462,000 $ 92,000 $ 33,000
Burnet County Texas 5 $ 592,000 $ 118,000 $ 64,000
Hardin County Texas 5 $ 232,000 $ 46,000 $ 35,000
Navarro County Texas 5 $ 318,000 $ 63,000 $ 31,000
Orange County Texas 5 $ 347,000 $ 69,000 $ 50,000
Wilson County Texas 5 $ 730,000 $ 146,000 $ 112,000
Kenosha County Wisconsin 5 $ 688,000 $ 137,000 $ 80,000
Mobile County Alabama 4 $ 332,000 $ 83,000 $ 78,000
Tehama County California 4 $ 1,100,000 $ 275,000 $ 58,000
Tuolumne County California 4 $ 858,000 $ 214,000 $ 78,000
Elbert County Colorado 4 $ 885,000 $ 221,000 $ 95,000
Mesa County Colorado 4 $ 1,621,000 $ 405,000 $ 58,000
Sussex County Delaware 4 $ 1,670,000 $ 417,000 $ 168,000
Nassau County Florida 4 $ 899,000 $ 224,000 $ 136,000
Sumter County Florida 4 $ 1,570,000 $ 392,000 $ 145,000
Clayton County Georgia 4 $ 456,000 $ 114,000 $ 56,000
Henry County Georgia 4 $ 580,000 $ 145,000 $ 72,000
Delaware County Indiana 4 $ 340,000 $ 85,000 $ 32,000
Queen Anne's County Maryland 4 $ 1,402,000 $ 350,000 $ 114,000
St. Mary's County Maryland 4 $ 899,000 $ 224,000 $ 98,000
Worcester County Maryland 4 $ 987,000 $ 246,000 $ 91,000
Bristol County Massachusetts 4 $ 595,000 $ 148,000 $ 47,000
Plymouth County Massachusetts 4 $ 875,000 $ 218,000 $ 37,000
Bay County Michigan 4 $ 405,000 $ 101,000 $ 62,000
Sanilac County Michigan 4 $ 426,000 $ 106,000 $ 38,000
Shiawassee County Michigan 4 $ 453,000 $ 113,000 $ 28,000
Van Buren County Michigan 4 $ 554,000 $ 138,000 $ 31,000
Anoka County Minnesota 4 $ 940,000 $ 235,000 $ 60,000
DeSoto County Mississippi 4 $ 720,000 $ 180,000 $ 73,000
Hinds County Mississippi 4 $ 496,000 $ 124,000 $ 37,000
Jasper County Missouri 4 $ 280,000 $ 70,000 $ 60,000
Douglas County Nevada 4 $ 1,390,000 $ 347,000 $ 138,000
Burke County North Carolina 4 $ 337,000 $ 84,000 $ 31,000
Franklin County North Carolina 4 $ 462,000 $ 115,000 $ 63,000
Pitt County North Carolina 4 $ 703,000 $ 175,000 $ 108,000
Stanly County North Carolina 4 $ 355,000 $ 88,000 $ 31,000
Transylvania County North Carolina 4 $ 589,000 $ 147,000 $ 130,000
Franklin County Ohio 4 $ 556,000 $ 139,000 $ 15,000
Cleveland County Oklahoma 4 $ 442,000 $ 110,000 $ 41,000
Rogers County Oklahoma 4 $ 403,000 $ 100,000 $ 41,000
Tulsa County Oklahoma 4 $ 646,000 $ 161,000 $ 64,000
Allegheny County Pennsylvania 4 $ 698,000 $ 174,000 $ 60,000
Dorchester County South Carolina 4 $ 741,000 $ 185,000 $ 43,000
Carter County Tennessee 4 $ 517,000 $ 129,000 $ 38,000
Tipton County Tennessee 4 $ 773,000 $ 193,000 $ 86,000
Warren County Tennessee 4 $ 595,000 $ 148,000 $ 61,000
Cass County Texas 4 $ 420,000 $ 105,000 $ 162,000
Chambers County Texas 4 $ 631,000 $ 157,000 $ 69,000
Grayson County Texas 4 $ 666,000 $ 166,000 $ 41,000
Gregg County Texas 4 $ 369,000 $ 92,000 $ 75,000
Llano County Texas 4 $ 775,000 $ 193,000 $ 160,000
Iron County Utah 4 $ 797,000 $ 199,000 $ 96,000
Sanpete County Utah 4 $ 588,000 $ 147,000 $ 68,000
Albemarle County Virginia 4 $ 889,000 $ 222,000 $ 94,000
Portsmouth County Virginia 4 $ 568,000 $ 142,000 $ 105,000
Virginia Beach County Virginia 4 $ 1,197,000 $ 299,000 $ 14,000
Spokane County Washington 4 $ 660,000 $ 165,000 $ 61,000
Elmore County Alabama 3 $ 301,000 $ 100,000 $ 21,000
Lee County Alabama 3 $ 335,000 $ 111,000 $ 40,000
Park County Colorado 3 $ 550,000 $ 183,000 $ 128,000
Kent County Delaware 3 $ 521,000 $ 173,000 $ 94,000
Hernando County Florida 3 $ 558,000 $ 186,000 $ 29,000
Santa Rosa County Florida 3 $ 717,000 $ 239,000 $ 23,000
Columbia County Georgia 3 $ 213,000 $ 71,000 $ 137,000
Douglas County Georgia 3 $ 411,000 $ 137,000 $ 53,000
Newton County Georgia 3 $ 366,000 $ 122,000 $ 51,000
Walker County Georgia 3 $ 227,000 $ 75,000 $ 90,000
Whitfield County Georgia 3 $ 573,000 $ 191,000 $ 51,000
Champaign County Illinois 3 $ 320,000 $ 106,000 $ 139,000
Floyd County Indiana 3 $ 250,000 $ 83,000 $ 41,000
Madison County Indiana 3 $ 341,000 $ 113,000 $ 52,000
Warrick County Indiana 3 $ 484,000 $ 161,000 $ 59,000
Johnson County Kansas 3 $ 751,000 $ 250,000 $ 118,000
Bullitt County Kentucky 3 $ 655,000 $ 218,000 $ 108,000
Madison County Kentucky 3 $ 430,000 $ 143,000 $ 36,000
East Baton Rouge County Louisiana 3 $ 623,000 $ 207,000 $ 137,000
Jefferson County Louisiana 3 $ 401,000 $ 133,000 $ 69,000
Lafayette County Louisiana 3 $ 272,000 $ 90,000 $ 34,000
St. Tammany County Louisiana 3 $ 336,000 $ 112,000 $ 40,000
Calvert County Maryland 3 $ 534,000 $ 178,000 $ 29,000
Cass County Michigan 3 $ 339,000 $ 113,000 $ 57,000
Gladwin County Michigan 3 $ 318,000 $ 106,000 $ 36,000
Muskegon County Michigan 3 $ 311,000 $ 103,000 $ 25,000
Wexford County Michigan 3 $ 323,000 $ 107,000 $ 142,000
Scott County Minnesota 3 $ 665,000 $ 221,000 $ 108,000
Itawamba County Mississippi 3 $ 221,000 $ 73,000 $ 40,000
Lauderdale County Mississippi 3 $ 425,000 $ 141,000 $ 69,000
Boone County Missouri 3 $ 434,000 $ 144,000 $ 46,000
Taney County Missouri 3 $ 412,000 $ 137,000 $ 70,000
Hillsborough County New Hampshire 3 $ 1,014,000 $ 338,000 $ 144,000
Burlington County New Jersey 3 $ 624,000 $ 208,000 $ 165,000
Bernalillo County New Mexico 3 $ 505,000 $ 168,000 $ 59,000
Ashe County North Carolina 3 $ 500,000 $ 166,000 $ 68,000
Chatham County North Carolina 3 $ 1,095,000 $ 365,000 $ 64,000
Cumberland County North Carolina 3 $ 286,000 $ 95,000 $ 38,000
McDowell County North Carolina 3 $ 400,000 $ 133,000 $ 67,000
Montgomery County North Carolina 3 $ 1,378,000 $ 459,000 $ 271,000
Preble County Ohio 3 $ 327,000 $ 109,000 $ 78,000
Canadian County Oklahoma 3 $ 471,000 $ 157,000 $ 63,000
Klamath County Oregon 3 $ 279,000 $ 93,000 $ 125,000
Delaware County Pennsylvania 3 $ 591,000 $ 197,000 $ 58,000
Anderson County South Carolina 3 $ 473,000 $ 157,000 $ 33,000
Berkeley County South Carolina 3 $ 369,000 $ 123,000 $ 103,000
Bedford County Tennessee 3 $ 419,000 $ 139,000 $ 41,000
Jefferson County Tennessee 3 $ 363,000 $ 121,000 $ 61,000
Lincoln County Tennessee 3 $ 206,000 $ 68,000 $ 27,000
Loudon County Tennessee 3 $ 469,000 $ 156,000 $ 62,000
Washington County Tennessee 3 $ 359,000 $ 119,000 $ 83,000
Angelina County Texas 3 $ 271,000 $ 90,000 $ 43,000
Austin County Texas 3 $ 328,000 $ 109,000 $ 59,000
Falls County Texas 3 $ 69,000 $ 23,000 $ 40,000
Grimes County Texas 3 $ 164,000 $ 54,000 $ 39,000
Hidalgo County Texas 3 $ 287,000 $ 95,000 $ 64,000
Kerr County Texas 3 $ 230,000 $ 76,000 $ 36,000
Lampasas County Texas 3 $ 329,000 $ 109,000 $ 71,000
Liberty County Texas 3 $ 352,000 $ 117,000 $ 46,000
Rusk County Texas 3 $ 59,000 $ 19,000 $ 39,000
Taylor County Texas 3 $ 581,000 $ 193,000 $ 124,000
Walker County Texas 3 $ 294,000 $ 98,000 $ 85,000
Waller County Texas 3 $ 288,000 $ 96,000 $ 67,000
Chesapeake County Virginia 3 $ 763,000 $ 254,000 $ 52,000
Orange County Virginia 3 $ 709,000 $ 236,000 $ 87,000
Richmond City County Virginia 3 $ 544,000 $ 181,000 $ 64,000
Thurston County Washington 3 $ 818,000 $ 272,000 $ 72,000
Columbia County Wisconsin 3 $ 467,000 $ 155,000 $ 152,000
Manitowoc County Wisconsin 3 $ 386,000 $ 128,000 $ 66,000
Oconto County Wisconsin 3 $ 350,000 $ 116,000 $ 50,000
Sheboygan County Wisconsin 3 $ 171,000 $ 57,000 $ 42,000
Waukesha County Wisconsin 3 $ 669,000 $ 223,000 $ 66,000
Escambia County Alabama 2 $ 228,000 $ 114,000 $ 54,000
Etowah County Alabama 2 $ 156,000 $ 78,000 $ 32,000
Houston County Alabama 2 $ 618,000 $ 309,000 $ 109,000
Lauderdale County Alabama 2 $ 164,000 $ 82,000 $ 0
Morgan County Alabama 2 $ 174,000 $ 87,000 $ 27,000
Tuscaloosa County Alabama 2 $ 168,000 $ 84,000 $ 0
Gila County Arizona 2 $ 302,000 $ 151,000 $ 11,000
Marion County Arkansas 2 $ 138,000 $ 69,000 $ 26,000
Nevada County California 2 $ 705,000 $ 352,000 $ 82,000
Sutter County California 2 $ 642,000 $ 321,000 $ 59,000
San Miguel County Colorado 2 $ 1,397,000 $ 698,000 $ 793,000
Windham County Connecticut 2 $ 279,000 $ 139,000 $ 23,000
Bay County Florida 2 $ 364,000 $ 182,000 $ 117,000
Martin County Florida 2 $ 571,000 $ 285,000 $ 132,000
Monroe County Florida 2 $ 1,413,000 $ 706,000 $ 228,000
Walton County Florida 2 $ 502,000 $ 251,000 $ 171,000
Bartow County Georgia 2 $ 412,000 $ 206,000 $ 75,000
Chatham County Georgia 2 $ 483,000 $ 241,000 $ 35,000
Gordon County Georgia 2 $ 212,000 $ 106,000 $ 34,000
Jackson County Georgia 2 $ 286,000 $ 143,000 $ 70,000
Morgan County Georgia 2 $ 243,000 $ 121,000 $ 67,000
Paulding County Georgia 2 $ 298,000 $ 149,000 $ 17,000
Rockdale County Georgia 2 $ 399,000 $ 199,000 $ 127,000
Walton County Georgia 2 $ 427,000 $ 213,000 $ 124,000
Boone County Illinois 2 $ 482,000 $ 241,000 $ 108,000
Bureau County Illinois 2 $ 463,000 $ 231,000 $ 236,000
McLean County Illinois 2 $ 360,000 $ 180,000 $ 127,000
Ogle County Illinois 2 $ 405,000 $ 202,000 $ 58,000
St. Clair County Illinois 2 $ 345,000 $ 172,000 $ 71,000
Whiteside County Illinois 2 $ 172,000 $ 86,000 $ 97,000
Winnebago County Illinois 2 $ 164,000 $ 82,000 $ 52,000
Starke County Indiana 2 $ 187,000 $ 93,000 $ 51,000
Vanderburgh County Indiana 2 $ 209,000 $ 104,000 $ 85,000
Scott County Iowa 2 $ 263,000 $ 131,000 $ 52,000
Boone County Kentucky 2 $ 164,000 $ 82,000 $ 61,000
Daviess County Kentucky 2 $ 295,000 $ 147,000 $ 86,000
Greenup County Kentucky 2 $ 109,000 $ 54,000 $ 24,000
Henderson County Kentucky 2 $ 268,000 $ 134,000 $ 29,000
Laurel County Kentucky 2 $ 181,000 $ 90,000 $ 44,000
Mercer County Kentucky 2 $ 340,000 $ 170,000 $ 23,000
Avoyelles County Louisiana 2 $ 125,000 $ 62,000 $ 42,000
St. Martin County Louisiana 2 $ 233,000 $ 116,000 $ 50,000
Vermilion County Louisiana 2 $ 164,000 $ 82,000 $ 26,000
Cecil County Maryland 2 $ 408,000 $ 204,000 $ 65,000
Berkshire County Massachusetts 2 $ 309,000 $ 154,000 $ 58,000
Hampshire County Massachusetts 2 $ 509,000 $ 254,000 $ 86,000
Antrim County Michigan 2 $ 143,000 $ 71,000 $ 108,000
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Mortgage Loan Application Detail Totals for Guaranty Bank in 2006

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 16,149 $4,896,534,000 $303,000 $99,999,000 $82,000 $3,923,000
Refinancing 4,845 $1,242,047,000 $256,000 $2,475,000 $103,000 $7,840,000
Home Improvement 142 $21,599,000 $152,000 $1,970,000 $87,000 $840,000

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 11,510 $2,700,427,000 $234,000 $4,900,000 $99,000 $7,840,000
Not Provided 5,056 $2,304,385,000 $455,000 $99,999,000 $57,000 $3,811,000
Hispanic 2,330 $577,698,000 $247,000 $2,340,000 $79,000 $2,400,000
Black or African American 1,141 $227,802,000 $199,000 $1,470,000 $75,000 $3,250,000
Asian 916 $296,515,000 $323,000 $1,830,000 $129,000 $1,826,000
Native Hawaiian or Other Pacific Islander 123 $37,698,000 $306,000 $912,000 $101,000 $518,000
American Indian or Alaskan Native 60 $15,655,000 $260,000 $666,000 $85,000 $420,000
Not applicable 0 $0 $0 $0 $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) 18,852 $5,805,127,000 $307,000 $99,999,000 $91,000 $7,840,000
FHA-insured (Federal Housing Administration) 1,634 $218,646,000 $133,000 $405,000 $47,000 $201,000
VA-guaranteed (Veterans Administration) 642 $135,258,000 $210,000 $582,000 $67,000 $288,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,149,000 $143,000 $392,000 $34,000 $97,000

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 19,754 $4,925,289,000 $249,000 $2,940,000 $86,000 $7,840,000
Loan Originated 610 $1,097,959,000 $1,799,000 $99,999,000 $94,000 $3,923,000
Application Denied By Financial Institution 561 $94,000,000 $167,000 $2,340,000 $96,000 $1,817,000
Application Approved But Not Accepted 188 $39,819,000 $211,000 $1,113,000 $104,000 $660,000
Application Withdrawn By Applicant 17 $2,643,000 $155,000 $377,000 $63,000 $168,000
File Closed For Incompleteness 6 $470,000 $78,000 $118,000 $234,000 $1,094,000
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
Credit History 206 $22,849,000 $110,000 $650,000 $63,000 $540,000
Debt-To-Income Ratio 109 $16,214,000 $148,000 $1,225,000 $61,000 $720,000
Collateral 64 $12,244,000 $191,000 $2,340,000 $82,000 $663,000
Unverifiable Information 59 $11,561,000 $195,000 $780,000 $95,000 $480,000
Other 42 $7,348,000 $174,000 $1,688,000 $320,000 $1,817,000
Credit Application Incomplete 38 $10,890,000 $286,000 $975,000 $102,000 $300,000
Insufficient Cash (Downpayment, Closing Cost) 27 $7,254,000 $268,000 $1,461,000 $138,000 $734,000
Employment History 16 $5,640,000 $352,000 $1,000,000 $125,000 $359,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2006 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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