Guaranty Bank Mortgage Lending & HMDA Data, 2006

In 2006, Guaranty Bank of Dallas, TX reported 21,136 mortgage applications totaling $6.2 billion, down 37% from 2005. The average application was for $291,454, and applicants reported an average income of $86,847. 3% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,739), Chicago-Naperville-Joliet, IL (2,337) and Charlotte-Gastonia-Concord, NC-SC (1,356) (applications in parentheses).

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 $291,454
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $86,847
Highest Applicant Income $7,840,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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, Arizona 2,424 $ 656,671,000 $ 270,903 $ 71,000
Cook, Illinois 1,255 $ 355,269,000 $ 283,082 $ 95,000
El Paso, Colorado 761 $ 183,180,000 $ 240,709 $ 73,000
Mecklenburg, North Carolina 680 $ 112,974,000 $ 166,138 $ 65,000
DuPage, Illinois 598 $ 155,798,000 $ 260,531 $ 97,000
Los Angeles, California 578 $ 248,181,000 $ 429,378 $ 117,000
Riverside, California 534 $ 178,311,000 $ 333,915 $ 100,000
Clark, Nevada 525 $ 142,329,000 $ 271,102 $ 83,000
Bexar, Texas 502 $ 62,659,000 $ 124,818 $ 68,000
Guilford, North Carolina 451 $ 76,811,000 $ 170,312 $ 84,000
Orange, California 433 $ 219,872,000 $ 507,787 $ 142,000
San Diego, California 406 $ 152,661,000 $ 376,012 $ 119,000
Harris, Texas 336 $ 56,803,000 $ 169,056 $ 111,000
Buncombe, North Carolina 317 $ 57,335,000 $ 180,867 $ 79,000
Pinal, Arizona 315 $ 60,722,000 $ 192,768 $ 56,000
San Bernardino, California 310 $ 88,690,000 $ 286,096 $ 87,000
Will, Illinois 247 $ 54,548,000 $ 220,842 $ 83,000
Pima, Arizona 236 $ 54,400,000 $ 230,508 $ 65,000
Dallas, Texas 235 $ 44,629,000 $ 189,910 $ 92,000
Salt Lake, Utah 235 $ 61,941,000 $ 263,578 $ 50,000
Tarrant, Texas 197 $ 33,745,000 $ 171,294 $ 83,000
San Joaquin, California 196 $ 77,390,000 $ 394,846 $ 139,000
Union, North Carolina 195 $ 33,146,000 $ 169,979 $ 58,000
Contra Costa, California 189 $ 85,532,000 $ 452,550 $ 115,000
Sacramento, California 184 $ 56,966,000 $ 309,597 $ 84,000
Gaston, North Carolina 181 $ 22,888,000 $ 126,453 $ 48,000
Travis, Texas 181 $ 37,267,000 $ 205,895 $ 116,000
Cabarrus, North Carolina 171 $ 24,430,000 $ 142,865 $ 44,000
Broward, Florida 169 $ 42,829,000 $ 253,426 $ 93,000
Davis, Utah 161 $ 27,233,000 $ 169,149 $ 51,000
Oakland, Michigan 152 $ 27,590,000 $ 181,513 $ 76,000
Miami-Dade, Florida 144 $ 37,447,000 $ 260,048 $ 71,000
Macomb, Michigan 142 $ 19,773,000 $ 139,246 $ 51,000
Collin, Texas 142 $ 32,532,000 $ 229,098 $ 94,000
Kane, Illinois 140 $ 34,707,000 $ 247,907 $ 79,000
York, South Carolina 129 $ 21,578,000 $ 167,271 $ 57,000
Stanislaus, California 127 $ 42,441,000 $ 334,181 $ 104,000
Davidson, Tennessee 126 $ 19,194,000 $ 152,333 $ 64,000
Wayne, Michigan 115 $ 16,621,000 $ 144,530 $ 57,000
Palm Beach, Florida 112 $ 26,618,000 $ 237,660 $ 95,000
Douglas, Colorado 104 $ 30,430,000 $ 292,596 $ 92,000
Orange, Florida 93 $ 27,065,000 $ 291,021 $ 102,000
Wake, North Carolina 90 $ 19,147,000 $ 212,744 $ 104,000
Henderson, North Carolina 89 $ 14,034,000 $ 157,685 $ 71,000
Santa Clara, California 83 $ 39,218,000 $ 472,506 $ 100,000
Placer, California 81 $ 30,632,000 $ 378,172 $ 116,000
Williamson, Tennessee 79 $ 19,781,000 $ 250,392 $ 83,000
Alameda, California 77 $ 40,196,000 $ 522,025 $ 133,000
Denton, Texas 76 $ 14,308,000 $ 188,263 $ 86,000
Fairfax, Virginia 72 $ 32,650,000 $ 453,472 $ 139,000
Lake, Illinois 69 $ 23,241,000 $ 336,826 $ 119,000
Williamson, Texas 68 $ 10,786,000 $ 158,617 $ 74,000
Fresno, California 67 $ 17,019,000 $ 254,014 $ 85,000
Bell, Texas 67 $ 8,035,000 $ 119,925 $ 63,000
Sonoma, California 64 $ 40,445,000 $ 631,953 $ 255,000
Nye, Nevada 62 $ 12,877,000 $ 207,693 $ 90,000
Larimer, Colorado 61 $ 10,590,000 $ 173,606 $ 65,000
Arapahoe, Colorado 59 $ 12,552,000 $ 212,745 $ 59,000
Rutherford, Tennessee 59 $ 7,829,000 $ 132,694 $ 50,000
Yolo, California 58 $ 24,521,000 $ 422,775 $ 162,000
Genesee, Michigan 57 $ 6,873,000 $ 120,578 $ 47,000
Montgomery, Texas 55 $ 7,286,000 $ 132,472 $ 120,000
Honolulu, Hawaii 54 $ 32,087,000 $ 594,203 $ 188,000
Pulaski, Arkansas 52 $ 7,440,000 $ 143,076 $ 54,000
Ellis, Texas 52 $ 5,872,000 $ 112,923 $ 57,000
Seminole, Florida 51 $ 11,001,000 $ 215,705 $ 84,000
Fort Bend, Texas 50 $ 9,425,000 $ 188,500 $ 115,000
Adams, Colorado 49 $ 9,857,000 $ 201,163 $ 81,000
Lee, Florida 48 $ 13,868,000 $ 288,916 $ 136,000
Cochise, Arizona 43 $ 10,029,000 $ 233,232 $ 61,000
Monterey, California 43 $ 18,345,000 $ 426,627 $ 101,000
McHenry, Illinois 43 $ 8,679,000 $ 201,837 $ 77,000
Duval, Florida 42 $ 7,925,000 $ 188,690 $ 63,000
Kendall, Illinois 41 $ 8,958,000 $ 218,487 $ 124,000
Broomfield, Colorado 40 $ 11,769,000 $ 294,225 $ 113,000
Fulton, Georgia 40 $ 9,566,000 $ 239,150 $ 120,000
Ventura, California 38 $ 17,250,000 $ 453,947 $ 164,000
Galveston, Texas 37 $ 4,590,000 $ 124,054 $ 82,000
Utah, Utah 37 $ 6,917,000 $ 186,945 $ 60,000
Prince William, Virginia 37 $ 14,451,000 $ 390,567 $ 102,000
Solano, California 36 $ 14,714,000 $ 408,722 $ 105,000
Brazoria, Texas 36 $ 4,470,000 $ 124,166 $ 83,000
Weber, Utah 36 $ 5,334,000 $ 148,166 $ 35,000
Loudoun, Virginia 36 $ 18,672,000 $ 518,666 $ 136,000
Kern, California 35 $ 8,063,000 $ 230,371 $ 79,000
Wilson, Tennessee 35 $ 5,884,000 $ 168,114 $ 66,000
Merced, California 34 $ 9,499,000 $ 279,382 $ 95,000
Tulare, California 34 $ 8,346,000 $ 245,470 $ 71,000
Hillsborough, Florida 34 $ 12,188,000 $ 358,470 $ 79,000
Marion, Indiana 32 $ 4,013,000 $ 125,406 $ 49,000
Forsyth, North Carolina 32 $ 4,684,000 $ 146,375 $ 64,000
Polk, Florida 31 $ 5,351,000 $ 172,612 $ 67,000
Jefferson, Colorado 30 $ 7,014,000 $ 233,800 $ 91,000
Baltimore, Maryland 30 $ 6,765,000 $ 225,500 $ 68,000
Brown, Wisconsin 30 $ 3,578,000 $ 119,266 $ 47,000
Cobb, Georgia 29 $ 6,421,000 $ 221,413 $ 91,000
DeKalb, Georgia 29 $ 5,732,000 $ 197,655 $ 88,000
Guadalupe, Texas 28 $ 3,866,000 $ 138,071 $ 58,000
El Dorado, California 27 $ 10,578,000 $ 391,777 $ 133,000
San Francisco, California 27 $ 20,910,000 $ 774,444 $ 196,000
Volusia, Florida 27 $ 5,919,000 $ 219,222 $ 114,000
Gwinnett, Georgia 27 $ 4,840,000 $ 179,259 $ 60,000
Matanuska-Susitna, Alaska 26 $ 5,447,000 $ 209,500 $ 90,000
Midland, Michigan 26 $ 2,166,000 $ 83,307 $ 45,000
Durham, North Carolina 26 $ 5,057,000 $ 194,500 $ 92,000
Sumner, Tennessee 26 $ 4,228,000 $ 162,615 $ 87,000
Weld, Colorado 25 $ 5,284,000 $ 211,360 $ 74,000
Pinellas, Florida 25 $ 4,231,000 $ 169,240 $ 57,000
St. Clair, Michigan 25 $ 3,446,000 $ 137,840 $ 37,000
King, Washington 25 $ 27,119,000 $ 1,084,760 $ 139,000
Washoe, Nevada 24 $ 7,055,000 $ 293,958 $ 158,000
Summit, Ohio 24 $ 2,741,000 $ 114,208 $ 39,000
Shelby, Tennessee 24 $ 4,280,000 $ 178,333 $ 60,000
Hays, Texas 24 $ 4,200,000 $ 175,000 $ 71,000
Davidson, North Carolina 23 $ 2,862,000 $ 124,434 $ 67,000
Brazos, Texas 23 $ 2,493,000 $ 108,391 $ 147,000
San Mateo, California 22 $ 10,790,000 $ 490,454 $ 106,000
Milwaukee, Wisconsin 22 $ 2,831,000 $ 128,681 $ 83,000
Livingston, Michigan 21 $ 3,952,000 $ 188,190 $ 58,000
Alamance, North Carolina 21 $ 2,413,000 $ 114,904 $ 73,000
Haywood, North Carolina 21 $ 4,144,000 $ 197,333 $ 79,000
Oklahoma, Oklahoma 21 $ 3,672,000 $ 174,857 $ 235,000
Osceola, Florida 20 $ 5,302,000 $ 265,100 $ 209,000
Randolph, North Carolina 20 $ 2,491,000 $ 124,550 $ 49,000
Denver, Colorado 19 $ 4,501,000 $ 236,894 $ 80,000
Kalamazoo, Michigan 19 $ 2,261,000 $ 119,000 $ 43,000
Saginaw, Michigan 19 $ 2,018,000 $ 106,210 $ 45,000
Multnomah, Oregon 19 $ 4,901,000 $ 257,947 $ 104,000
Horry, South Carolina 19 $ 3,656,000 $ 192,421 $ 113,000
Lake, Indiana 18 $ 2,391,000 $ 132,833 $ 115,000
Prince George's, Maryland 18 $ 5,540,000 $ 307,777 $ 84,000
Wright, Minnesota 18 $ 3,049,000 $ 169,388 $ 57,000
Rockingham, North Carolina 18 $ 3,152,000 $ 175,111 $ 96,000
Kaufman, Texas 18 $ 2,536,000 $ 140,888 $ 82,000
Kendall, Texas 18 $ 3,308,000 $ 183,777 $ 128,000
Rockwall, Texas 18 $ 2,920,000 $ 162,222 $ 57,000
Napa, California 17 $ 7,830,000 $ 460,588 $ 112,000
Pasco, Florida 17 $ 2,928,000 $ 172,235 $ 59,000
Jefferson, Kentucky 17 $ 2,698,000 $ 158,705 $ 59,000
Lincoln, North Carolina 17 $ 2,607,000 $ 153,352 $ 48,000
Washington, Oregon 17 $ 4,048,000 $ 238,117 $ 68,000
Knox, Tennessee 17 $ 3,046,000 $ 179,176 $ 80,000
Collier, Florida 16 $ 4,019,000 $ 251,187 $ 83,000
Jefferson, Alabama 15 $ 2,653,000 $ 176,866 $ 61,000
Mohave, Arizona 15 $ 2,900,000 $ 193,333 $ 103,000
Madera, California 15 $ 3,835,000 $ 255,666 $ 67,000
Hamilton, Indiana 15 $ 2,240,000 $ 149,333 $ 76,000
Hennepin, Minnesota 15 $ 2,997,000 $ 199,800 $ 141,000
Orange, North Carolina 15 $ 4,306,000 $ 287,066 $ 134,000
Boulder, Colorado 14 $ 3,104,000 $ 221,714 $ 148,000
Anne Arundel, Maryland 14 $ 3,466,000 $ 247,571 $ 623,000
Montgomery, Maryland 14 $ 5,502,000 $ 393,000 $ 133,000
Jackson, Missouri 14 $ 1,997,000 $ 142,642 $ 63,000
Shasta, California 13 $ 3,250,000 $ 250,000 $ 101,000
Fairfield, Connecticut 13 $ 10,250,000 $ 788,461 $ 293,000
Hendricks, Indiana 13 $ 1,690,000 $ 130,000 $ 188,000
Carroll, Maryland 13 $ 2,908,000 $ 223,692 $ 74,000
Madison, Mississippi 13 $ 1,191,000 $ 91,615 $ 82,000
Iredell, North Carolina 13 $ 2,942,000 $ 226,307 $ 69,000
Comal, Texas 13 $ 2,058,000 $ 158,307 $ 104,000
McLennan, Texas 13 $ 1,419,000 $ 109,153 $ 57,000
Navajo, Arizona 12 $ 2,399,000 $ 199,916 $ 133,000
Baxter, Arkansas 12 $ 1,896,000 $ 158,000 $ 65,000
Teller, Colorado 12 $ 2,404,000 $ 200,333 $ 66,000
District of Columbia, District Of Columbia 12 $ 32,686,000 $ 2,723,833 $ 106,000
Brevard, Florida 12 $ 2,585,000 $ 215,416 $ 101,000
Clay, Florida 12 $ 2,627,000 $ 218,916 $ 84,000
Lake, Florida 12 $ 3,845,000 $ 320,416 $ 157,000
Liberty, Georgia 12 $ 1,452,000 $ 121,000 $ 37,000
DeKalb, Illinois 12 $ 2,296,000 $ 191,333 $ 59,000
Middlesex, Massachusetts 12 $ 4,134,000 $ 344,500 $ 112,000
Ingham, Michigan 12 $ 1,554,000 $ 129,500 $ 61,000
York, Pennsylvania 12 $ 2,376,000 $ 198,000 $ 54,000
Maury, Tennessee 12 $ 1,770,000 $ 147,500 $ 50,000
Hunt, Texas 12 $ 1,276,000 $ 106,333 $ 66,000
Walworth, Wisconsin 12 $ 2,799,000 $ 233,250 $ 125,000
Baldwin, Alabama 11 $ 1,719,000 $ 156,272 $ 56,000
Mendocino, California 11 $ 3,387,000 $ 307,909 $ 74,000
Muscogee, Georgia 11 $ 2,346,000 $ 213,272 $ 48,000
St. Joseph, Indiana 11 $ 1,280,000 $ 116,363 $ 54,000
Baltimore City, Maryland 11 $ 1,341,000 $ 121,909 $ 43,000
Washington, Maryland 11 $ 2,253,000 $ 204,818 $ 54,000
Lapeer, Michigan 11 $ 1,683,000 $ 153,000 $ 85,000
Vance, North Carolina 11 $ 990,000 $ 90,000 $ 31,000
Hamilton, Tennessee 11 $ 1,552,000 $ 141,090 $ 61,000
Jefferson, Texas 11 $ 1,264,000 $ 114,909 $ 38,000
Cowlitz, Washington 11 $ 1,927,000 $ 175,181 $ 58,000
Outagamie, Wisconsin 11 $ 1,498,000 $ 136,181 $ 38,000
Imperial, California 10 $ 1,938,000 $ 193,800 $ 123,000
Marin, California 10 $ 9,095,000 $ 909,500 $ 290,000
Santa Barbara, California 10 $ 9,209,000 $ 920,900 $ 175,000
New Haven, Connecticut 10 $ 2,098,000 $ 209,800 $ 72,000
Charlotte, Florida 10 $ 2,589,000 $ 258,900 $ 144,000
Escambia, Florida 10 $ 1,518,000 $ 151,800 $ 46,000
Sarasota, Florida 10 $ 2,566,000 $ 256,600 $ 113,000
St. Johns, Florida 10 $ 2,300,000 $ 230,000 $ 137,000
St. Lucie, Florida 10 $ 1,814,000 $ 181,400 $ 37,000
Johnson, Indiana 10 $ 1,102,000 $ 110,200 $ 55,000
Berrien, Michigan 10 $ 1,687,000 $ 168,700 $ 128,000
Rankin, Mississippi 10 $ 1,761,000 $ 176,100 $ 61,000
Pierce, Washington 10 $ 2,185,000 $ 218,500 $ 48,000
Madison, Alabama 9 $ 979,000 $ 108,777 $ 77,000
Lonoke, Arkansas 9 $ 1,070,000 $ 118,888 $ 44,000
Marion, Florida 9 $ 1,296,000 $ 144,000 $ 62,000
Cherokee, Georgia 9 $ 2,222,000 $ 246,888 $ 78,000
LaSalle, Illinois 9 $ 1,621,000 $ 180,111 $ 98,000
Hampden, Massachusetts 9 $ 1,099,000 $ 122,111 $ 26,000
Worcester, Massachusetts 9 $ 2,331,000 $ 259,000 $ 57,000
Kent, Michigan 9 $ 5,289,000 $ 587,666 $ 80,000
Washtenaw, Michigan 9 $ 1,523,000 $ 169,222 $ 59,000
Carteret, North Carolina 9 $ 4,491,000 $ 499,000 $ 209,000
Catawba, North Carolina 9 $ 761,000 $ 84,555 $ 32,000
Cleveland, North Carolina 9 $ 890,000 $ 98,888 $ 42,000
Johnston, North Carolina 9 $ 1,993,000 $ 221,444 $ 79,000
New Hanover, North Carolina 9 $ 1,870,000 $ 207,777 $ 109,000
Hamilton, Ohio 9 $ 1,811,000 $ 201,222 $ 91,000
Marion, Oregon 9 $ 1,499,000 $ 166,555 $ 216,000
Robertson, Tennessee 9 $ 1,317,000 $ 146,333 $ 57,000
Bandera, Texas 9 $ 624,000 $ 69,333 $ 31,000
Tooele, Utah 9 $ 1,254,000 $ 139,333 $ 39,000
Washington, Utah 9 $ 2,485,000 $ 276,111 $ 100,000
Lynchburg, Virginia 9 $ 835,000 $ 92,777 $ 57,000
Stafford, Virginia 9 $ 3,847,000 $ 427,444 $ 124,000
Clark, Washington 9 $ 10,446,000 $ 1,160,666 $ 58,000
Yavapai, Arizona 8 $ 2,255,000 $ 281,875 $ 109,000
Saline, Arkansas 8 $ 941,000 $ 117,625 $ 53,000
Lake, California 8 $ 2,714,000 $ 339,250 $ 172,000
San Luis Obispo, California 8 $ 3,040,000 $ 380,000 $ 296,000
Manatee, Florida 8 $ 1,527,000 $ 190,875 $ 59,000
Bryan, Georgia 8 $ 1,826,000 $ 228,250 $ 45,000
Hawaii, Hawaii 8 $ 2,011,000 $ 251,375 $ 74,000
Fayette, Kentucky 8 $ 1,592,000 $ 199,000 $ 46,000
Charles, Maryland 8 $ 1,739,000 $ 217,375 $ 53,000
Norfolk, Massachusetts 8 $ 2,478,000 $ 309,750 $ 84,000
Allegan, Michigan 8 $ 2,774,000 $ 346,750 $ 114,000
Montgomery, Ohio 8 $ 699,000 $ 87,375 $ 29,000
Charleston, South Carolina 8 $ 1,903,000 $ 237,875 $ 79,000
Lancaster, South Carolina 8 $ 1,212,000 $ 151,500 $ 41,000
Coryell, Texas 8 $ 1,105,000 $ 138,125 $ 64,000
Nueces, Texas 8 $ 1,158,000 $ 144,750 $ 83,000
Parker, Texas 8 $ 1,745,000 $ 218,125 $ 109,000
Smith, Texas 8 $ 808,000 $ 101,000 $ 238,000
Summit, Utah 8 $ 3,089,000 $ 386,125 $ 81,000
Alexandria, Virginia 8 $ 3,087,000 $ 385,875 $ 135,000
Arlington, Virginia 8 $ 3,727,000 $ 465,875 $ 139,000
Henrico, Virginia 8 $ 1,599,000 $ 199,875 $ 69,000
Anchorage, Alaska 7 $ 1,412,000 $ 201,714 $ 87,000
Faulkner, Arkansas 7 $ 822,000 $ 117,428 $ 39,000
Kings, California 7 $ 1,276,000 $ 182,285 $ 79,000
Pueblo, Colorado 7 $ 934,000 $ 133,428 $ 52,000
Hartford, Connecticut 7 $ 1,822,000 $ 260,285 $ 92,000
Litchfield, Connecticut 7 $ 1,328,000 $ 189,714 $ 56,000
Lowndes, Georgia 7 $ 1,155,000 $ 165,000 $ 54,000
Kauai, Hawaii 7 $ 4,341,000 $ 620,142 $ 127,000
Dakota, Minnesota 7 $ 1,638,000 $ 234,000 $ 84,000
Ramsey, Minnesota 7 $ 952,000 $ 136,000 $ 41,000
Greene, Missouri 7 $ 969,000 $ 138,428 $ 111,000
Granville, North Carolina 7 $ 926,000 $ 132,285 $ 52,000
Madison, North Carolina 7 $ 1,434,000 $ 204,857 $ 52,000
Rowan, North Carolina 7 $ 847,000 $ 121,000 $ 51,000
Stark, Ohio 7 $ 893,000 $ 127,571 $ 54,000
Clackamas, Oregon 7 $ 1,049,000 $ 149,857 $ 55,000
Blount, Tennessee 7 $ 1,166,000 $ 166,571 $ 90,000
Cheatham, Tennessee 7 $ 909,000 $ 129,857 $ 55,000
Polk, Texas 7 $ 219,000 $ 31,285 $ 29,000
Spotsylvania, Virginia 7 $ 1,628,000 $ 232,571 $ 88,000
Garland, Arkansas 6 $ 808,000 $ 134,666 $ 55,000
Santa Cruz, California 6 $ 3,134,000 $ 522,333 $ 392,000
Forsyth, Georgia 6 $ 2,370,000 $ 395,000 $ 63,000
Hall, Georgia 6 $ 1,515,000 $ 252,500 $ 90,000
Ada, Idaho 6 $ 1,895,000 $ 315,833 $ 250,000
Kankakee, Illinois 6 $ 773,000 $ 128,833 $ 52,000
Allen, Indiana 6 $ 823,000 $ 137,166 $ 61,000
Morgan, Indiana 6 $ 456,000 $ 76,000 $ 24,000
Porter, Indiana 6 $ 1,000,000 $ 166,666 $ 58,000
Frederick, Maryland 6 $ 1,802,000 $ 300,333 $ 40,000
Harford, Maryland 6 $ 1,550,000 $ 258,333 $ 197,000
Wicomico, Maryland 6 $ 1,401,000 $ 233,500 $ 101,000
Essex, Massachusetts 6 $ 2,640,000 $ 440,000 $ 181,000
Sherburne, Minnesota 6 $ 1,012,000 $ 168,666 $ 54,000
St. Louis, Missouri 6 $ 1,988,000 $ 331,333 $ 109,000
Watauga, North Carolina 6 $ 1,316,000 $ 219,333 $ 329,000
Portage, Ohio 6 $ 567,000 $ 94,500 $ 17,000
Philadelphia, Pennsylvania 6 $ 1,312,000 $ 218,666 $ 87,000
Madison, Tennessee 6 $ 771,000 $ 128,500 $ 79,000
Montgomery, Tennessee 6 $ 650,000 $ 108,333 $ 54,000
Johnson, Texas 6 $ 686,000 $ 114,333 $ 64,000
Washington, Texas 6 $ 346,000 $ 57,666 $ 81,000
Box Elder, Utah 6 $ 781,000 $ 130,166 $ 39,000
Hanover, Virginia 6 $ 1,117,000 $ 186,166 $ 36,000
Snohomish, Washington 6 $ 1,768,000 $ 294,666 $ 91,000
Dane, Wisconsin 6 $ 1,894,000 $ 315,666 $ 155,000
Winnebago, Wisconsin 6 $ 17,042,000 $ 2,840,333 $ 37,000
Montgomery, Alabama 5 $ 510,000 $ 102,000 $ 25,000
Russell, Alabama 5 $ 675,000 $ 135,000 $ 87,000
Shelby, Alabama 5 $ 1,123,000 $ 224,600 $ 70,000
Yuma, Arizona 5 $ 592,000 $ 118,400 $ 46,000
Butte, California 5 $ 1,021,000 $ 204,200 $ 57,000
Calaveras, California 5 $ 581,000 $ 116,200 $ 44,000
Humboldt, California 5 $ 1,526,000 $ 305,200 $ 117,000
Lassen, California 5 $ 678,000 $ 135,600 $ 34,000
Yuba, California 5 $ 1,316,000 $ 263,200 $ 118,000
Citrus, Florida 5 $ 5,929,000 $ 1,185,800 $ 56,000
Indian River, Florida 5 $ 1,082,000 $ 216,400 $ 118,000
Leon, Florida 5 $ 1,025,000 $ 205,000 $ 165,000
Barrow, Georgia 5 $ 853,000 $ 170,600 $ 68,000
Richmond, Georgia 5 $ 477,000 $ 95,400 $ 54,000
Maui, Hawaii 5 $ 3,891,000 $ 778,200 $ 195,000
Clark, Indiana 5 $ 959,000 $ 191,800 $ 95,000
Elkhart, Indiana 5 $ 543,000 $ 108,600 $ 54,000
Tippecanoe, Indiana 5 $ 535,000 $ 107,000 $ 254,000
Howard, Maryland 5 $ 2,297,000 $ 459,400 $ 176,000
Calhoun, Michigan 5 $ 399,000 $ 79,800 $ 43,000
Jackson, Michigan 5 $ 684,000 $ 136,800 $ 51,000
Monroe, Michigan 5 $ 739,000 $ 147,800 $ 80,000
Brunswick, North Carolina 5 $ 2,796,000 $ 559,200 $ 250,000
Clark, Ohio 5 $ 526,000 $ 105,200 $ 42,000
Cuyahoga, Ohio 5 $ 508,000 $ 101,600 $ 49,000
Adams, Pennsylvania 5 $ 851,000 $ 170,200 $ 57,000
Beaufort, South Carolina 5 $ 3,536,000 $ 707,200 $ 326,000
Lexington, South Carolina 5 $ 391,000 $ 78,200 $ 47,000
Richland, South Carolina 5 $ 699,000 $ 139,800 $ 60,000
Coffee, Tennessee 5 $ 474,000 $ 94,800 $ 58,000
Dickson, Tennessee 5 $ 575,000 $ 115,000 $ 57,000
Marshall, Tennessee 5 $ 462,000 $ 92,400 $ 33,000
Burnet, Texas 5 $ 592,000 $ 118,400 $ 64,000
Hardin, Texas 5 $ 232,000 $ 46,400 $ 35,000
Navarro, Texas 5 $ 318,000 $ 63,600 $ 31,000
Orange, Texas 5 $ 347,000 $ 69,400 $ 50,000
Wilson, Texas 5 $ 730,000 $ 146,000 $ 112,000
Kenosha, Wisconsin 5 $ 688,000 $ 137,600 $ 80,000
Mobile, Alabama 4 $ 332,000 $ 83,000 $ 78,000
Tehama, California 4 $ 1,100,000 $ 275,000 $ 58,000
Tuolumne, California 4 $ 858,000 $ 214,500 $ 78,000
Elbert, Colorado 4 $ 885,000 $ 221,250 $ 95,000
Mesa, Colorado 4 $ 1,621,000 $ 405,250 $ 58,000
Sussex, Delaware 4 $ 1,670,000 $ 417,500 $ 168,000
Nassau, Florida 4 $ 899,000 $ 224,750 $ 136,000
Sumter, Florida 4 $ 1,570,000 $ 392,500 $ 145,000
Clayton, Georgia 4 $ 456,000 $ 114,000 $ 56,000
Henry, Georgia 4 $ 580,000 $ 145,000 $ 72,000
Delaware, Indiana 4 $ 340,000 $ 85,000 $ 32,000
Queen Anne's, Maryland 4 $ 1,402,000 $ 350,500 $ 114,000
St. Mary's, Maryland 4 $ 899,000 $ 224,750 $ 98,000
Worcester, Maryland 4 $ 987,000 $ 246,750 $ 91,000
Bristol, Massachusetts 4 $ 595,000 $ 148,750 $ 47,000
Plymouth, Massachusetts 4 $ 875,000 $ 218,750 $ 37,000
Bay, Michigan 4 $ 405,000 $ 101,250 $ 62,000
Sanilac, Michigan 4 $ 426,000 $ 106,500 $ 38,000
Shiawassee, Michigan 4 $ 453,000 $ 113,250 $ 28,000
Van Buren, Michigan 4 $ 554,000 $ 138,500 $ 31,000
Anoka, Minnesota 4 $ 940,000 $ 235,000 $ 60,000
DeSoto, Mississippi 4 $ 720,000 $ 180,000 $ 73,000
Hinds, Mississippi 4 $ 496,000 $ 124,000 $ 37,000
Jasper, Missouri 4 $ 280,000 $ 70,000 $ 60,000
Douglas, Nevada 4 $ 1,390,000 $ 347,500 $ 138,000
Burke, North Carolina 4 $ 337,000 $ 84,250 $ 31,000
Franklin, North Carolina 4 $ 462,000 $ 115,500 $ 63,000
Pitt, North Carolina 4 $ 703,000 $ 175,750 $ 108,000
Stanly, North Carolina 4 $ 355,000 $ 88,750 $ 31,000
Transylvania, North Carolina 4 $ 589,000 $ 147,250 $ 130,000
Franklin, Ohio 4 $ 556,000 $ 139,000 $ 15,000
Cleveland, Oklahoma 4 $ 442,000 $ 110,500 $ 41,000
Rogers, Oklahoma 4 $ 403,000 $ 100,750 $ 41,000
Tulsa, Oklahoma 4 $ 646,000 $ 161,500 $ 64,000
Allegheny, Pennsylvania 4 $ 698,000 $ 174,500 $ 60,000
Dorchester, South Carolina 4 $ 741,000 $ 185,250 $ 43,000
Carter, Tennessee 4 $ 517,000 $ 129,250 $ 38,000
Tipton, Tennessee 4 $ 773,000 $ 193,250 $ 86,000
Warren, Tennessee 4 $ 595,000 $ 148,750 $ 61,000
Cass, Texas 4 $ 420,000 $ 105,000 $ 162,000
Chambers, Texas 4 $ 631,000 $ 157,750 $ 69,000
Grayson, Texas 4 $ 666,000 $ 166,500 $ 41,000
Gregg, Texas 4 $ 369,000 $ 92,250 $ 75,000
Llano, Texas 4 $ 775,000 $ 193,750 $ 160,000
Iron, Utah 4 $ 797,000 $ 199,250 $ 96,000
Sanpete, Utah 4 $ 588,000 $ 147,000 $ 68,000
Albemarle, Virginia 4 $ 889,000 $ 222,250 $ 94,000
Portsmouth, Virginia 4 $ 568,000 $ 142,000 $ 105,000
Virginia Beach, Virginia 4 $ 1,197,000 $ 299,250 $ 14,000
Spokane, Washington 4 $ 660,000 $ 165,000 $ 61,000
Elmore, Alabama 3 $ 301,000 $ 100,333 $ 21,000
Lee, Alabama 3 $ 335,000 $ 111,666 $ 40,000
Park, Colorado 3 $ 550,000 $ 183,333 $ 128,000
Kent, Delaware 3 $ 521,000 $ 173,666 $ 94,000
Hernando, Florida 3 $ 558,000 $ 186,000 $ 29,000
Santa Rosa, Florida 3 $ 717,000 $ 239,000 $ 23,000
Columbia, Georgia 3 $ 213,000 $ 71,000 $ 137,000
Douglas, Georgia 3 $ 411,000 $ 137,000 $ 53,000
Newton, Georgia 3 $ 366,000 $ 122,000 $ 51,000
Walker, Georgia 3 $ 227,000 $ 75,666 $ 90,000
Whitfield, Georgia 3 $ 573,000 $ 191,000 $ 51,000
Champaign, Illinois 3 $ 320,000 $ 106,666 $ 139,000
Floyd, Indiana 3 $ 250,000 $ 83,333 $ 41,000
Madison, Indiana 3 $ 341,000 $ 113,666 $ 52,000
Warrick, Indiana 3 $ 484,000 $ 161,333 $ 59,000
Johnson, Kansas 3 $ 751,000 $ 250,333 $ 118,000
Bullitt, Kentucky 3 $ 655,000 $ 218,333 $ 108,000
Madison, Kentucky 3 $ 430,000 $ 143,333 $ 36,000
East Baton Rouge, Louisiana 3 $ 623,000 $ 207,666 $ 137,000
Jefferson, Louisiana 3 $ 401,000 $ 133,666 $ 69,000
Lafayette, Louisiana 3 $ 272,000 $ 90,666 $ 34,000
St. Tammany, Louisiana 3 $ 336,000 $ 112,000 $ 40,000
Calvert, Maryland 3 $ 534,000 $ 178,000 $ 29,000
Cass, Michigan 3 $ 339,000 $ 113,000 $ 57,000
Gladwin, Michigan 3 $ 318,000 $ 106,000 $ 36,000
Muskegon, Michigan 3 $ 311,000 $ 103,666 $ 25,000
Wexford, Michigan 3 $ 323,000 $ 107,666 $ 142,000
Scott, Minnesota 3 $ 665,000 $ 221,666 $ 108,000
Itawamba, Mississippi 3 $ 221,000 $ 73,666 $ 40,000
Lauderdale, Mississippi 3 $ 425,000 $ 141,666 $ 69,000
Boone, Missouri 3 $ 434,000 $ 144,666 $ 46,000
Taney, Missouri 3 $ 412,000 $ 137,333 $ 70,000
Hillsborough, New Hampshire 3 $ 1,014,000 $ 338,000 $ 144,000
Burlington, New Jersey 3 $ 624,000 $ 208,000 $ 165,000
Bernalillo, New Mexico 3 $ 505,000 $ 168,333 $ 59,000
Ashe, North Carolina 3 $ 500,000 $ 166,666 $ 68,000
Chatham, North Carolina 3 $ 1,095,000 $ 365,000 $ 64,000
Cumberland, North Carolina 3 $ 286,000 $ 95,333 $ 38,000
McDowell, North Carolina 3 $ 400,000 $ 133,333 $ 67,000
Montgomery, North Carolina 3 $ 1,378,000 $ 459,333 $ 271,000
Preble, Ohio 3 $ 327,000 $ 109,000 $ 78,000
Canadian, Oklahoma 3 $ 471,000 $ 157,000 $ 63,000
Klamath, Oregon 3 $ 279,000 $ 93,000 $ 125,000
Delaware, Pennsylvania 3 $ 591,000 $ 197,000 $ 58,000
Anderson, South Carolina 3 $ 473,000 $ 157,666 $ 33,000
Berkeley, South Carolina 3 $ 369,000 $ 123,000 $ 103,000
Bedford, Tennessee 3 $ 419,000 $ 139,666 $ 41,000
Jefferson, Tennessee 3 $ 363,000 $ 121,000 $ 61,000
Lincoln, Tennessee 3 $ 206,000 $ 68,666 $ 27,000
Loudon, Tennessee 3 $ 469,000 $ 156,333 $ 62,000
Washington, Tennessee 3 $ 359,000 $ 119,666 $ 83,000
Angelina, Texas 3 $ 271,000 $ 90,333 $ 43,000
Austin, Texas 3 $ 328,000 $ 109,333 $ 59,000
Falls, Texas 3 $ 69,000 $ 23,000 $ 40,000
Grimes, Texas 3 $ 164,000 $ 54,666 $ 39,000
Hidalgo, Texas 3 $ 287,000 $ 95,666 $ 64,000
Kerr, Texas 3 $ 230,000 $ 76,666 $ 36,000
Lampasas, Texas 3 $ 329,000 $ 109,666 $ 71,000
Liberty, Texas 3 $ 352,000 $ 117,333 $ 46,000
Rusk, Texas 3 $ 59,000 $ 19,666 $ 39,000
Taylor, Texas 3 $ 581,000 $ 193,666 $ 124,000
Walker, Texas 3 $ 294,000 $ 98,000 $ 85,000
Waller, Texas 3 $ 288,000 $ 96,000 $ 67,000
Chesapeake, Virginia 3 $ 763,000 $ 254,333 $ 52,000
Orange, Virginia 3 $ 709,000 $ 236,333 $ 87,000
Richmond City, Virginia 3 $ 544,000 $ 181,333 $ 64,000
Thurston, Washington 3 $ 818,000 $ 272,666 $ 72,000
Columbia, Wisconsin 3 $ 467,000 $ 155,666 $ 152,000
Manitowoc, Wisconsin 3 $ 386,000 $ 128,666 $ 66,000
Oconto, Wisconsin 3 $ 350,000 $ 116,666 $ 50,000
Sheboygan, Wisconsin 3 $ 171,000 $ 57,000 $ 42,000
Waukesha, Wisconsin 3 $ 669,000 $ 223,000 $ 66,000
Escambia, Alabama 2 $ 228,000 $ 114,000 $ 54,000
Etowah, Alabama 2 $ 156,000 $ 78,000 $ 32,000
Houston, Alabama 2 $ 618,000 $ 309,000 $ 109,000
Lauderdale, Alabama 2 $ 164,000 $ 82,000 $ 0
Morgan, Alabama 2 $ 174,000 $ 87,000 $ 27,000
Tuscaloosa, Alabama 2 $ 168,000 $ 84,000 $ 0
Gila, Arizona 2 $ 302,000 $ 151,000 $ 11,000
Marion, Arkansas 2 $ 138,000 $ 69,000 $ 26,000
Nevada, California 2 $ 705,000 $ 352,500 $ 82,000
Sutter, California 2 $ 642,000 $ 321,000 $ 59,000
San Miguel, Colorado 2 $ 1,397,000 $ 698,500 $ 793,000
Windham, Connecticut 2 $ 279,000 $ 139,500 $ 23,000
Bay, Florida 2 $ 364,000 $ 182,000 $ 117,000
Martin, Florida 2 $ 571,000 $ 285,500 $ 132,000
Monroe, Florida 2 $ 1,413,000 $ 706,500 $ 228,000
Walton, Florida 2 $ 502,000 $ 251,000 $ 171,000
Bartow, Georgia 2 $ 412,000 $ 206,000 $ 75,000
Chatham, Georgia 2 $ 483,000 $ 241,500 $ 35,000
Gordon, Georgia 2 $ 212,000 $ 106,000 $ 34,000
Jackson, Georgia 2 $ 286,000 $ 143,000 $ 70,000
Morgan, Georgia 2 $ 243,000 $ 121,500 $ 67,000
Paulding, Georgia 2 $ 298,000 $ 149,000 $ 17,000
Rockdale, Georgia 2 $ 399,000 $ 199,500 $ 127,000
Walton, Georgia 2 $ 427,000 $ 213,500 $ 124,000
Boone, Illinois 2 $ 482,000 $ 241,000 $ 108,000
Bureau, Illinois 2 $ 463,000 $ 231,500 $ 236,000
McLean, Illinois 2 $ 360,000 $ 180,000 $ 127,000
Ogle, Illinois 2 $ 405,000 $ 202,500 $ 58,000
St. Clair, Illinois 2 $ 345,000 $ 172,500 $ 71,000
Whiteside, Illinois 2 $ 172,000 $ 86,000 $ 97,000
Winnebago, Illinois 2 $ 164,000 $ 82,000 $ 52,000
Starke, Indiana 2 $ 187,000 $ 93,500 $ 51,000
Vanderburgh, Indiana 2 $ 209,000 $ 104,500 $ 85,000
Scott, Iowa 2 $ 263,000 $ 131,500 $ 52,000
Boone, Kentucky 2 $ 164,000 $ 82,000 $ 61,000
Daviess, Kentucky 2 $ 295,000 $ 147,500 $ 86,000
Greenup, Kentucky 2 $ 109,000 $ 54,500 $ 24,000
Henderson, Kentucky 2 $ 268,000 $ 134,000 $ 29,000
Laurel, Kentucky 2 $ 181,000 $ 90,500 $ 44,000
Mercer, Kentucky 2 $ 340,000 $ 170,000 $ 23,000
Avoyelles, Louisiana 2 $ 125,000 $ 62,500 $ 42,000
St. Martin, Louisiana 2 $ 233,000 $ 116,500 $ 50,000
Vermilion, Louisiana 2 $ 164,000 $ 82,000 $ 26,000
Cecil, Maryland 2 $ 408,000 $ 204,000 $ 65,000
Berkshire, Massachusetts 2 $ 309,000 $ 154,500 $ 58,000
Hampshire, Massachusetts 2 $ 509,000 $ 254,500 $ 86,000
Antrim, Michigan 2 $ 143,000 $ 71,500 $ 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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