Guaranty Bank Mortgage Lending & HMDA Data, 2007

In 2007, Guaranty Bank of Dallas, TX reported 21,490 mortgage applications totaling $5.9 billion, up 2% from 2006. The average application was for $272,933, and applicants reported an average income of $95,005. 1% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,144), Charlotte-Gastonia-Concord, NC-SC (1,371) and Dallas-Plano-Irving, TX (1,258) (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 21,490
Total Mortgage Loan Application Amount $5,865,342,000
Average Mortgage Loan Application Amount $272,933
Highest Mortgage Loan Application Amount $99,763,000
Average Applicant Income $95,005
Highest Applicant Income $7,780,000

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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 1,866 $ 501,882,000 $ 268,961 $ 106,000
Maricopa, Arizona 992 $ 304,351,000 $ 306,805 $ 96,000
Tarrant, Texas 812 $ 142,843,000 $ 175,915 $ 91,000
Mecklenburg, North Carolina 701 $ 157,303,000 $ 224,398 $ 74,000
Harris, Texas 691 $ 255,526,000 $ 369,791 $ 83,000
DuPage, Illinois 688 $ 183,368,000 $ 266,523 $ 116,000
El Paso, Colorado 591 $ 142,922,000 $ 241,830 $ 93,000
Guilford, North Carolina 511 $ 83,500,000 $ 163,405 $ 95,000
Bexar, Texas 506 $ 73,195,000 $ 144,654 $ 80,000
Dallas, Texas 488 $ 149,189,000 $ 305,715 $ 110,000
Los Angeles, California 453 $ 180,728,000 $ 398,958 $ 101,000
Collin, Texas 362 $ 70,381,000 $ 194,422 $ 106,000
Riverside, California 288 $ 132,386,000 $ 459,673 $ 107,000
Buncombe, North Carolina 279 $ 59,373,000 $ 212,806 $ 99,000
Will, Illinois 276 $ 65,435,000 $ 237,083 $ 102,000
Travis, Texas 251 $ 123,853,000 $ 493,438 $ 124,000
Orange, California 237 $ 138,145,000 $ 582,890 $ 174,000
San Bernardino, California 236 $ 110,291,000 $ 467,334 $ 99,000
Denton, Texas 231 $ 45,041,000 $ 194,982 $ 138,000
Clark, Nevada 223 $ 61,089,000 $ 273,941 $ 139,000
San Diego, California 221 $ 92,347,000 $ 417,859 $ 168,000
Union, North Carolina 203 $ 38,622,000 $ 190,256 $ 70,000
Gaston, North Carolina 195 $ 26,041,000 $ 133,543 $ 57,000
Fort Bend, Texas 167 $ 32,461,000 $ 194,377 $ 106,000
Williamson, Texas 163 $ 47,233,000 $ 289,773 $ 93,000
Davidson, Tennessee 160 $ 24,653,000 $ 154,081 $ 69,000
Montgomery, Texas 160 $ 30,727,000 $ 192,043 $ 118,000
Kane, Illinois 155 $ 37,179,000 $ 239,864 $ 108,000
York, South Carolina 152 $ 24,604,000 $ 161,868 $ 60,000
Macomb, Michigan 144 $ 20,418,000 $ 141,791 $ 59,000
Arapahoe, Colorado 141 $ 56,656,000 $ 401,815 $ 69,000
Oakland, Michigan 130 $ 23,271,000 $ 179,007 $ 75,000
Wayne, Michigan 125 $ 15,371,000 $ 122,968 $ 61,000
Cabarrus, North Carolina 118 $ 18,741,000 $ 158,822 $ 64,000
Wake, North Carolina 109 $ 23,874,000 $ 219,027 $ 102,000
Davis, Utah 109 $ 24,004,000 $ 220,220 $ 71,000
Douglas, Colorado 107 $ 57,373,000 $ 536,196 $ 107,000
Pinal, Arizona 106 $ 21,694,000 $ 204,660 $ 95,000
Sacramento, California 103 $ 26,219,000 $ 254,553 $ 94,000
Hidalgo, Texas 101 $ 12,685,000 $ 125,594 $ 68,000
Williamson, Tennessee 99 $ 24,194,000 $ 244,383 $ 91,000
Denver, Colorado 96 $ 24,107,000 $ 251,114 $ 125,000
Bernalillo, New Mexico 95 $ 15,124,000 $ 159,200 $ 57,000
Honolulu, Hawaii 93 $ 48,087,000 $ 517,064 $ 161,000
Horry, South Carolina 92 $ 21,183,000 $ 230,250 $ 140,000
Lake, Illinois 89 $ 29,802,000 $ 334,853 $ 135,000
Henderson, North Carolina 87 $ 16,258,000 $ 186,873 $ 88,000
Galveston, Texas 84 $ 11,856,000 $ 141,142 $ 90,000
Adams, Colorado 82 $ 14,677,000 $ 178,987 $ 67,000
Orange, Florida 78 $ 19,895,000 $ 255,064 $ 77,000
San Francisco, California 77 $ 71,123,000 $ 923,675 $ 225,000
Iredell, North Carolina 70 $ 12,044,000 $ 172,057 $ 74,000
Jefferson, Colorado 69 $ 34,843,000 $ 504,971 $ 77,000
San Joaquin, California 68 $ 31,332,000 $ 460,764 $ 73,000
Miami-Dade, Florida 68 $ 17,088,000 $ 251,294 $ 69,000
Contra Costa, California 67 $ 30,284,000 $ 452,000 $ 141,000
Salt Lake, Utah 67 $ 15,259,000 $ 227,746 $ 84,000
Kendall, Illinois 66 $ 15,065,000 $ 228,257 $ 81,000
Nueces, Texas 65 $ 9,139,000 $ 140,600 $ 78,000
Brazoria, Texas 64 $ 10,379,000 $ 162,171 $ 82,000
Parker, Texas 64 $ 9,910,000 $ 154,843 $ 80,000
Johnson, Texas 63 $ 8,379,000 $ 133,000 $ 66,000
Rutherford, Tennessee 61 $ 9,589,000 $ 157,196 $ 66,000
Smith, Texas 60 $ 8,243,000 $ 137,383 $ 67,000
Broward, Florida 59 $ 14,603,000 $ 247,508 $ 91,000
Kaufman, Texas 59 $ 7,389,000 $ 125,237 $ 65,000
Alameda, California 58 $ 32,943,000 $ 567,982 $ 183,000
Stanislaus, California 57 $ 13,685,000 $ 240,087 $ 75,000
McHenry, Illinois 55 $ 12,459,000 $ 226,527 $ 100,000
Ellis, Texas 55 $ 6,711,000 $ 122,018 $ 64,000
Fresno, California 54 $ 13,199,000 $ 244,425 $ 81,000
Sonoma, California 54 $ 24,642,000 $ 456,333 $ 132,000
Forsyth, North Carolina 54 $ 8,420,000 $ 155,925 $ 119,000
Washoe, Nevada 51 $ 14,017,000 $ 274,843 $ 97,000
King, Washington 51 $ 54,696,000 $ 1,072,470 $ 141,000
Palm Beach, Florida 50 $ 12,062,000 $ 241,240 $ 84,000
Johnston, North Carolina 46 $ 7,915,000 $ 172,065 $ 71,000
Rockwall, Texas 45 $ 9,748,000 $ 216,622 $ 113,000
Bowie, Texas 42 $ 4,526,000 $ 107,761 $ 62,000
Fairfax, Virginia 42 $ 14,568,000 $ 346,857 $ 115,000
Davidson, North Carolina 41 $ 5,890,000 $ 143,658 $ 58,000
Multnomah, Oregon 41 $ 10,489,000 $ 255,829 $ 112,000
Genesee, Michigan 39 $ 5,712,000 $ 146,461 $ 64,000
Cumberland, North Carolina 39 $ 6,155,000 $ 157,820 $ 66,000
Santa Clara, California 38 $ 21,006,000 $ 552,789 $ 175,000
McCracken, Kentucky 38 $ 4,226,000 $ 111,210 $ 60,000
Weld, Colorado 37 $ 6,809,000 $ 184,027 $ 75,000
Sumner, Tennessee 37 $ 6,453,000 $ 174,405 $ 67,000
Wise, Texas 37 $ 5,018,000 $ 135,621 $ 58,000
Placer, California 36 $ 13,070,000 $ 363,055 $ 122,000
Lee, Florida 35 $ 7,995,000 $ 228,428 $ 97,000
Catawba, North Carolina 34 $ 3,977,000 $ 116,970 $ 58,000
Knox, Tennessee 34 $ 6,230,000 $ 183,235 $ 97,000
Pulaski, Arkansas 33 $ 4,658,000 $ 141,151 $ 52,000
Hays, Texas 33 $ 6,184,000 $ 187,393 $ 96,000
Fulton, Georgia 32 $ 53,217,000 $ 1,663,031 $ 132,000
Shelby, Tennessee 32 $ 5,545,000 $ 173,281 $ 92,000
Pima, Arizona 31 $ 32,531,000 $ 1,049,387 $ 66,000
DeKalb, Illinois 31 $ 5,228,000 $ 168,645 $ 70,000
Durham, North Carolina 31 $ 5,113,000 $ 164,935 $ 88,000
Lincoln, North Carolina 31 $ 5,361,000 $ 172,935 $ 61,000
Rowan, North Carolina 31 $ 4,051,000 $ 130,677 $ 56,000
Ventura, California 30 $ 15,149,000 $ 504,966 $ 170,000
Duval, Florida 30 $ 48,200,000 $ 1,606,666 $ 67,000
Clackamas, Oregon 30 $ 8,108,000 $ 270,266 $ 105,000
Pueblo, Colorado 29 $ 4,298,000 $ 148,206 $ 63,000
McLennan, Texas 29 $ 1,838,000 $ 63,379 $ 51,000
Snohomish, Washington 28 $ 8,081,000 $ 288,607 $ 176,000
Randolph, North Carolina 27 $ 3,738,000 $ 138,444 $ 50,000
Utah, Utah 27 $ 7,563,000 $ 280,111 $ 108,000
Tulsa, Oklahoma 26 $ 3,215,000 $ 123,653 $ 69,000
Washington, Oregon 26 $ 5,980,000 $ 230,000 $ 72,000
Jefferson, Alabama 25 $ 3,954,000 $ 158,160 $ 60,000
Santa Barbara, California 25 $ 8,947,000 $ 357,880 $ 87,000
Larimer, Colorado 25 $ 4,881,000 $ 195,240 $ 69,000
Lake, Indiana 25 $ 4,661,000 $ 186,440 $ 97,000
East Baton Rouge, Louisiana 25 $ 3,063,000 $ 122,520 $ 37,000
Prince George's, Maryland 25 $ 6,964,000 $ 278,560 $ 84,000
Tulare, California 24 $ 24,869,000 $ 1,036,208 $ 58,000
Massac, Illinois 24 $ 1,859,000 $ 77,458 $ 47,000
Jefferson, Kentucky 24 $ 4,865,000 $ 202,708 $ 87,000
Midland, Michigan 24 $ 2,544,000 $ 106,000 $ 47,000
Lancaster, South Carolina 24 $ 3,800,000 $ 158,333 $ 59,000
Guadalupe, Texas 24 $ 3,722,000 $ 155,083 $ 91,000
Prince William, Virginia 24 $ 9,057,000 $ 377,375 $ 102,000
Kern, California 23 $ 5,233,000 $ 227,521 $ 70,000
Boulder, Colorado 23 $ 5,079,000 $ 220,826 $ 120,000
Hillsborough, Florida 23 $ 4,109,000 $ 178,652 $ 54,000
Seminole, Florida 23 $ 5,684,000 $ 247,130 $ 101,000
El Paso, Texas 23 $ 4,639,000 $ 201,695 $ 82,000
Henderson, Texas 23 $ 3,586,000 $ 155,913 $ 161,000
Miller, Arkansas 22 $ 2,608,000 $ 118,545 $ 67,000
Wilson, Tennessee 22 $ 3,910,000 $ 177,727 $ 72,000
Jackson, Missouri 21 $ 2,814,000 $ 134,000 $ 61,000
Clark, Washington 21 $ 5,360,000 $ 255,238 $ 181,000
St. Lucie, Florida 20 $ 8,776,000 $ 438,800 $ 38,000
Nye, Nevada 20 $ 4,047,000 $ 202,350 $ 86,000
Brazos, Texas 20 $ 2,556,000 $ 127,800 $ 146,000
Pierce, Washington 20 $ 4,935,000 $ 246,750 $ 77,000
Marin, California 19 $ 13,274,000 $ 698,631 $ 303,000
Solano, California 19 $ 6,379,000 $ 335,736 $ 89,000
Comal, Texas 19 $ 4,094,000 $ 215,473 $ 96,000
Hunt, Texas 19 $ 2,093,000 $ 110,157 $ 54,000
Jefferson, Texas 19 $ 807,000 $ 42,473 $ 69,000
Weber, Utah 19 $ 3,814,000 $ 200,736 $ 73,000
Gwinnett, Georgia 18 $ 4,775,000 $ 265,277 $ 83,000
St. Clair, Michigan 18 $ 2,970,000 $ 165,000 $ 57,000
Sandoval, New Mexico 18 $ 2,938,000 $ 163,222 $ 59,000
Bay, Florida 17 $ 2,379,000 $ 139,941 $ 26,000
Fayette, Kentucky 17 $ 2,480,000 $ 145,882 $ 57,000
Baltimore, Maryland 17 $ 3,645,000 $ 214,411 $ 68,000
Berrien, Michigan 17 $ 3,320,000 $ 195,294 $ 148,000
Kent, Michigan 17 $ 2,239,000 $ 131,705 $ 58,000
Montgomery, Ohio 17 $ 1,687,000 $ 99,235 $ 40,000
Maury, Tennessee 17 $ 2,411,000 $ 141,823 $ 64,000
Robertson, Tennessee 17 $ 2,309,000 $ 135,823 $ 54,000
Merced, California 16 $ 4,153,000 $ 259,562 $ 60,000
Collier, Florida 16 $ 4,897,000 $ 306,062 $ 199,000
Osceola, Florida 16 $ 5,099,000 $ 318,687 $ 56,000
Marion, Indiana 16 $ 1,689,000 $ 105,562 $ 56,000
Burke, North Carolina 16 $ 1,919,000 $ 119,937 $ 47,000
New Hanover, North Carolina 16 $ 4,790,000 $ 299,375 $ 193,000
Marion, Oregon 16 $ 2,989,000 $ 186,812 $ 122,000
Cheatham, Tennessee 16 $ 2,195,000 $ 137,187 $ 58,000
Hamilton, Tennessee 16 $ 2,419,000 $ 151,187 $ 81,000
Hood, Texas 16 $ 7,721,000 $ 482,562 $ 72,000
Yavapai, Arizona 15 $ 3,496,000 $ 233,066 $ 110,000
Hempstead, Arkansas 15 $ 1,253,000 $ 83,533 $ 43,000
Volusia, Florida 15 $ 30,394,000 $ 2,026,266 $ 54,000
Montgomery, Maryland 15 $ 6,603,000 $ 440,200 $ 139,000
Hinds, Mississippi 15 $ 1,673,000 $ 111,533 $ 58,000
Oklahoma, Oklahoma 15 $ 2,259,000 $ 150,600 $ 132,000
Gregg, Texas 15 $ 1,378,000 $ 91,866 $ 42,000
Grimes, Texas 15 $ 801,000 $ 53,400 $ 47,000
Loudoun, Virginia 15 $ 6,262,000 $ 417,466 $ 128,000
El Dorado, California 14 $ 6,303,000 $ 450,214 $ 154,000
Nevada, California 14 $ 5,580,000 $ 398,571 $ 151,000
San Mateo, California 14 $ 8,233,000 $ 588,071 $ 158,000
Lake, Florida 14 $ 3,146,000 $ 224,714 $ 75,000
DeKalb, Georgia 14 $ 2,785,000 $ 198,928 $ 84,000
Hendricks, Indiana 14 $ 1,485,000 $ 106,071 $ 132,000
Caldwell, North Carolina 14 $ 1,584,000 $ 113,142 $ 52,000
Haywood, North Carolina 14 $ 2,638,000 $ 188,428 $ 93,000
Beaufort, South Carolina 14 $ 5,130,000 $ 366,428 $ 160,000
Atascosa, Texas 14 $ 1,554,000 $ 111,000 $ 65,000
Grayson, Texas 14 $ 1,558,000 $ 111,285 $ 59,000
Cobb, Georgia 13 $ 3,662,000 $ 281,692 $ 82,000
Hamilton, Indiana 13 $ 2,554,000 $ 196,461 $ 87,000
Boyd, Kentucky 13 $ 1,139,000 $ 87,615 $ 48,000
Baltimore City, Maryland 13 $ 1,562,000 $ 120,153 $ 61,000
Valencia, New Mexico 13 $ 2,569,000 $ 197,615 $ 71,000
Cowlitz, Washington 13 $ 1,832,000 $ 140,923 $ 43,000
Shasta, California 12 $ 3,136,000 $ 261,333 $ 92,000
Pinellas, Florida 12 $ 2,531,000 $ 210,916 $ 115,000
Hawaii, Hawaii 12 $ 4,471,000 $ 372,583 $ 126,000
Washtenaw, Michigan 12 $ 2,705,000 $ 225,416 $ 73,000
Alamance, North Carolina 12 $ 1,779,000 $ 148,250 $ 63,000
York, Pennsylvania 12 $ 2,240,000 $ 186,666 $ 84,000
Bandera, Texas 12 $ 1,316,000 $ 109,666 $ 196,000
Bell, Texas 12 $ 1,223,000 $ 101,916 $ 63,000
Cameron, Texas 12 $ 1,699,000 $ 141,583 $ 82,000
Kendall, Texas 12 $ 2,166,000 $ 180,500 $ 64,000
Henrico, Virginia 12 $ 2,003,000 $ 166,916 $ 111,000
Kitsap, Washington 12 $ 3,054,000 $ 254,500 $ 115,000
Mobile, Alabama 11 $ 1,742,000 $ 158,363 $ 83,000
LaSalle, Illinois 11 $ 1,901,000 $ 172,818 $ 64,000
Jefferson, Louisiana 11 $ 1,505,000 $ 136,818 $ 111,000
Charles, Maryland 11 $ 3,798,000 $ 345,272 $ 84,000
Kalamazoo, Michigan 11 $ 1,817,000 $ 165,181 $ 85,000
Van Buren, Michigan 11 $ 1,819,000 $ 165,363 $ 100,000
DeSoto, Mississippi 11 $ 1,108,000 $ 100,727 $ 33,000
Franklin, North Carolina 11 $ 1,304,000 $ 118,545 $ 49,000
Rockingham, North Carolina 11 $ 1,881,000 $ 171,000 $ 70,000
Vance, North Carolina 11 $ 1,210,000 $ 110,000 $ 48,000
Cuyahoga, Ohio 11 $ 16,360,000 $ 1,487,272 $ 57,000
Franklin, Ohio 11 $ 1,719,000 $ 156,272 $ 92,000
Charleston, South Carolina 11 $ 2,561,000 $ 232,818 $ 98,000
Montgomery, Tennessee 11 $ 1,434,000 $ 130,363 $ 46,000
Polk, Texas 11 $ 966,000 $ 87,818 $ 86,000
Anchorage, Alaska 10 $ 2,160,000 $ 216,000 $ 58,000
Lonoke, Arkansas 10 $ 1,314,000 $ 131,400 $ 49,000
San Luis Obispo, California 10 $ 3,515,000 $ 351,500 $ 250,000
Sarasota, Florida 10 $ 2,821,000 $ 282,100 $ 121,000
Lowndes, Georgia 10 $ 1,548,000 $ 154,800 $ 56,000
Bullitt, Kentucky 10 $ 1,238,000 $ 123,800 $ 64,000
Cleveland, North Carolina 10 $ 1,815,000 $ 181,500 $ 80,000
Granville, North Carolina 10 $ 1,080,000 $ 108,000 $ 53,000
Madison, North Carolina 10 $ 2,209,000 $ 220,900 $ 98,000
Orange, North Carolina 10 $ 3,152,000 $ 315,200 $ 134,000
Burnet, Texas 10 $ 1,131,000 $ 113,100 $ 79,000
Kerr, Texas 10 $ 582,000 $ 58,200 $ 76,000
Tom Green, Texas 10 $ 1,086,000 $ 108,600 $ 36,000
Teller, Colorado 9 $ 2,043,000 $ 227,000 $ 85,000
New Haven, Connecticut 9 $ 1,999,000 $ 222,111 $ 66,000
District of Columbia, District Of Columbia 9 $ 3,820,000 $ 424,444 $ 118,000
Brevard, Florida 9 $ 1,572,000 $ 174,666 $ 86,000
Henry, Georgia 9 $ 24,942,000 $ 2,771,333 $ 35,000
Winnebago, Illinois 9 $ 1,255,000 $ 139,444 $ 84,000
Anne Arundel, Maryland 9 $ 2,998,000 $ 333,111 $ 97,000
Carroll, Maryland 9 $ 1,973,000 $ 219,222 $ 89,000
Bay, Michigan 9 $ 1,042,000 $ 115,777 $ 53,000
Ottawa, Michigan 9 $ 1,691,000 $ 187,888 $ 102,000
Saginaw, Michigan 9 $ 1,063,000 $ 118,111 $ 66,000
Rankin, Mississippi 9 $ 1,549,000 $ 172,111 $ 82,000
Harnett, North Carolina 9 $ 1,684,000 $ 187,111 $ 78,000
Adams, Pennsylvania 9 $ 1,787,000 $ 198,555 $ 71,000
Bastrop, Texas 9 $ 1,069,000 $ 118,777 $ 46,000
Lamar, Texas 9 $ 668,000 $ 74,222 $ 43,000
Lubbock, Texas 9 $ 38,919,000 $ 4,324,333 $ 110,000
Medina, Texas 9 $ 1,280,000 $ 142,222 $ 62,000
Wilson, Texas 9 $ 1,633,000 $ 181,444 $ 100,000
Milwaukee, Wisconsin 9 $ 1,514,000 $ 168,222 $ 78,000
Madison, Alabama 8 $ 1,178,000 $ 147,250 $ 58,000
Lake, California 8 $ 2,075,000 $ 259,375 $ 100,000
Broomfield, Colorado 8 $ 46,938,000 $ 5,867,250 $ 75,000
Alachua, Florida 8 $ 1,182,000 $ 147,750 $ 55,000
Flagler, Florida 8 $ 31,518,000 $ 3,939,750 $ 48,000
Leon, Florida 8 $ 1,463,000 $ 182,875 $ 69,000
Polk, Florida 8 $ 1,411,000 $ 176,375 $ 72,000
Kankakee, Illinois 8 $ 1,439,000 $ 179,875 $ 88,000
Greenup, Kentucky 8 $ 722,000 $ 90,250 $ 32,000
Livingston, Louisiana 8 $ 1,080,000 $ 135,000 $ 57,000
Jackson, Michigan 8 $ 810,000 $ 101,250 $ 78,000
Douglas, Nevada 8 $ 2,014,000 $ 251,750 $ 64,000
Davie, North Carolina 8 $ 1,732,000 $ 216,500 $ 71,000
Stanly, North Carolina 8 $ 1,094,000 $ 136,750 $ 55,000
Rogers, Oklahoma 8 $ 1,154,000 $ 144,250 $ 81,000
Georgetown, South Carolina 8 $ 2,100,000 $ 262,500 $ 134,000
Greenville, South Carolina 8 $ 1,950,000 $ 243,750 $ 103,000
Blount, Tennessee 8 $ 1,211,000 $ 151,375 $ 69,000
Dickson, Tennessee 8 $ 1,164,000 $ 145,500 $ 51,000
Richmond City, Virginia 8 $ 1,048,000 $ 131,000 $ 68,000
Walworth, Wisconsin 8 $ 1,898,000 $ 237,250 $ 222,000
Butte, California 7 $ 1,504,000 $ 214,857 $ 58,000
Calaveras, California 7 $ 1,696,000 $ 242,285 $ 145,000
Tuolumne, California 7 $ 1,042,000 $ 148,857 $ 73,000
Fairfield, Connecticut 7 $ 3,152,000 $ 450,285 $ 143,000
Hartford, Connecticut 7 $ 1,448,000 $ 206,857 $ 53,000
Clay, Florida 7 $ 1,324,000 $ 189,142 $ 77,000
Escambia, Florida 7 $ 1,074,000 $ 153,428 $ 85,000
Indian River, Florida 7 $ 1,398,000 $ 199,714 $ 76,000
Maui, Hawaii 7 $ 4,289,000 $ 612,714 $ 180,000
Grundy, Illinois 7 $ 1,218,000 $ 174,000 $ 60,000
Orleans, Louisiana 7 $ 651,000 $ 93,000 $ 59,000
St. Tammany, Louisiana 7 $ 1,201,000 $ 171,571 $ 59,000
Middlesex, Massachusetts 7 $ 3,051,000 $ 435,857 $ 152,000
Plymouth, Massachusetts 7 $ 1,428,000 $ 204,000 $ 60,000
Lapeer, Michigan 7 $ 1,162,000 $ 166,000 $ 59,000
Hennepin, Minnesota 7 $ 1,806,000 $ 258,000 $ 138,000
Lyon, Nevada 7 $ 1,441,000 $ 205,857 $ 52,000
San Juan, New Mexico 7 $ 1,323,000 $ 189,000 $ 79,000
Carteret, North Carolina 7 $ 2,325,000 $ 332,142 $ 217,000
Watauga, North Carolina 7 $ 1,961,000 $ 280,142 $ 245,000
Lexington, South Carolina 7 $ 1,122,000 $ 160,285 $ 76,000
Coffee, Tennessee 7 $ 844,000 $ 120,571 $ 69,000
Harrison, Texas 7 $ 402,000 $ 57,428 $ 98,000
Midland, Texas 7 $ 1,716,000 $ 245,142 $ 253,000
Norfolk, Virginia 7 $ 1,203,000 $ 171,857 $ 50,000
Spotsylvania, Virginia 7 $ 1,813,000 $ 259,000 $ 70,000
Shelby, Alabama 6 $ 1,391,000 $ 231,833 $ 60,000
Howard, Arkansas 6 $ 422,000 $ 70,333 $ 38,000
Mendocino, California 6 $ 1,999,000 $ 333,166 $ 79,000
Napa, California 6 $ 1,812,000 $ 302,000 $ 156,000
Elbert, Colorado 6 $ 1,397,000 $ 232,833 $ 106,000
Marion, Florida 6 $ 994,000 $ 165,666 $ 48,000
Nassau, Florida 6 $ 1,204,000 $ 200,666 $ 116,000
St. Johns, Florida 6 $ 1,788,000 $ 298,000 $ 75,000
Liberty, Georgia 6 $ 683,000 $ 113,833 $ 40,000
Clark, Indiana 6 $ 967,000 $ 161,166 $ 58,000
LaPorte, Indiana 6 $ 1,473,000 $ 245,500 $ 172,000
Porter, Indiana 6 $ 1,619,000 $ 269,833 $ 120,000
Marshall, Kentucky 6 $ 772,000 $ 128,666 $ 68,000
Bristol, Massachusetts 6 $ 11,411,000 $ 1,901,833 $ 58,000
Ingham, Michigan 6 $ 853,000 $ 142,166 $ 59,000
Becker, Minnesota 6 $ 1,388,000 $ 231,333 $ 120,000
Wright, Minnesota 6 $ 1,235,000 $ 205,833 $ 67,000
Boone, Missouri 6 $ 741,000 $ 123,500 $ 52,000
Clay, Missouri 6 $ 1,272,000 $ 212,000 $ 79,000
Carson City, Nevada 6 $ 1,649,000 $ 274,833 $ 79,000
Santa Fe, New Mexico 6 $ 1,425,000 $ 237,500 $ 132,000
Brunswick, North Carolina 6 $ 1,423,000 $ 237,166 $ 127,000
Halifax, North Carolina 6 $ 1,109,000 $ 184,833 $ 51,000
Canadian, Oklahoma 6 $ 650,000 $ 108,333 $ 86,000
Deschutes, Oregon 6 $ 1,801,000 $ 300,166 $ 136,000
Douglas, Oregon 6 $ 1,103,000 $ 183,833 $ 67,000
Bedford, Tennessee 6 $ 817,000 $ 136,166 $ 63,000
Marshall, Tennessee 6 $ 693,000 $ 115,500 $ 57,000
Palo Pinto, Texas 6 $ 517,000 $ 86,166 $ 47,000
San Jacinto, Texas 6 $ 905,000 $ 150,833 $ 68,000
Van Zandt, Texas 6 $ 502,000 $ 83,666 $ 53,000
Washington, Texas 6 $ 249,000 $ 41,500 $ 62,000
Webb, Texas 6 $ 797,000 $ 132,833 $ 65,000
Wharton, Texas 6 $ 461,000 $ 76,833 $ 38,000
Caroline, Virginia 6 $ 1,270,000 $ 211,666 $ 86,000
Chesapeake, Virginia 6 $ 963,000 $ 160,500 $ 55,000
Virginia Beach, Virginia 6 $ 1,408,000 $ 234,666 $ 66,000
Thurston, Washington 6 $ 1,509,000 $ 251,500 $ 66,000
Coconino, Arizona 5 $ 1,332,000 $ 266,400 $ 106,000
Faulkner, Arkansas 5 $ 597,000 $ 119,400 $ 45,000
Saline, Arkansas 5 $ 736,000 $ 147,200 $ 51,000
Madera, California 5 $ 1,062,000 $ 212,400 $ 98,000
Monterey, California 5 $ 2,238,000 $ 447,600 $ 131,000
Sussex, Delaware 5 $ 1,090,000 $ 218,000 $ 61,000
Manatee, Florida 5 $ 1,072,000 $ 214,400 $ 163,000
Martin, Florida 5 $ 1,513,000 $ 302,600 $ 120,000
Pasco, Florida 5 $ 867,000 $ 173,400 $ 23,000
Sumter, Florida 5 $ 648,000 $ 129,600 $ 20,000
Cherokee, Georgia 5 $ 1,171,000 $ 234,200 $ 109,000
Clayton, Georgia 5 $ 681,000 $ 136,200 $ 46,000
Forsyth, Georgia 5 $ 1,909,000 $ 381,800 $ 125,000
Hall, Georgia 5 $ 786,000 $ 157,200 $ 46,000
Jo Daviess, Illinois 5 $ 857,000 $ 171,400 $ 85,000
Morgan, Indiana 5 $ 839,000 $ 167,800 $ 58,000
St. Joseph, Indiana 5 $ 794,000 $ 158,800 $ 62,000
Johnson, Kansas 5 $ 11,178,000 $ 2,235,600 $ 89,000
Daviess, Kentucky 5 $ 557,000 $ 111,400 $ 43,000
Graves, Kentucky 5 $ 357,000 $ 71,400 $ 32,000
Calvert, Maryland 5 $ 925,000 $ 185,000 $ 56,000
Howard, Maryland 5 $ 1,765,000 $ 353,000 $ 122,000
Hampden, Massachusetts 5 $ 697,000 $ 139,400 $ 41,000
Allegan, Michigan 5 $ 865,000 $ 173,000 $ 67,000
Calhoun, Michigan 5 $ 672,000 $ 134,400 $ 53,000
Clare, Michigan 5 $ 644,000 $ 128,800 $ 36,000
Gladwin, Michigan 5 $ 529,000 $ 105,800 $ 71,000
Livingston, Michigan 5 $ 942,000 $ 188,400 $ 72,000
Newaygo, Michigan 5 $ 1,074,000 $ 214,800 $ 101,000
Lamar, Mississippi 5 $ 603,000 $ 120,600 $ 435,000
Jefferson, Missouri 5 $ 864,000 $ 172,800 $ 71,000
Platte, Missouri 5 $ 738,000 $ 147,600 $ 54,000
Atlantic, New Jersey 5 $ 1,086,000 $ 217,200 $ 65,000
Bergen, New Jersey 5 $ 1,830,000 $ 366,000 $ 93,000
Jackson, North Carolina 5 $ 1,814,000 $ 362,800 $ 111,000
Person, North Carolina 5 $ 780,000 $ 156,000 $ 75,000
Stokes, North Carolina 5 $ 870,000 $ 174,000 $ 63,000
Hamilton, Ohio 5 $ 1,821,000 $ 364,200 $ 154,000
Creek, Oklahoma 5 $ 630,000 $ 126,000 $ 89,000
Josephine, Oregon 5 $ 1,117,000 $ 223,400 $ 78,000
Lane, Oregon 5 $ 734,000 $ 146,800 $ 40,000
Linn, Oregon 5 $ 898,000 $ 179,600 $ 35,000
Yamhill, Oregon 5 $ 1,561,000 $ 312,200 $ 136,000
Chester, South Carolina 5 $ 1,015,000 $ 203,000 $ 107,000
Dorchester, South Carolina 5 $ 1,266,000 $ 253,200 $ 98,000
Fayette, Tennessee 5 $ 984,000 $ 196,800 $ 79,000
Putnam, Tennessee 5 $ 616,000 $ 123,200 $ 54,000
Erath, Texas 5 $ 458,000 $ 91,600 $ 40,000
Gillespie, Texas 5 $ 801,000 $ 160,200 $ 64,000
Navarro, Texas 5 $ 657,000 $ 131,400 $ 49,000
Taylor, Texas 5 $ 482,000 $ 96,400 $ 61,000
Chesterfield, Virginia 5 $ 1,027,000 $ 205,400 $ 43,000
Stafford, Virginia 5 $ 1,186,000 $ 237,200 $ 99,000
Mason, Washington 5 $ 1,327,000 $ 265,400 $ 73,000
Spokane, Washington 5 $ 998,000 $ 199,600 $ 80,000
Yakima, Washington 5 $ 8,089,000 $ 1,617,800 $ 44,000
Montgomery, Alabama 4 $ 516,000 $ 129,000 $ 66,000
Cochise, Arizona 4 $ 704,000 $ 176,000 $ 58,000
Navajo, Arizona 4 $ 709,000 $ 177,250 $ 155,000
Washington, Arkansas 4 $ 724,000 $ 181,000 $ 148,000
White, Arkansas 4 $ 463,000 $ 115,750 $ 54,000
Imperial, California 4 $ 614,000 $ 153,500 $ 82,000
Mesa, Colorado 4 $ 992,000 $ 248,000 $ 102,000
Park, Colorado 4 $ 719,000 $ 179,750 $ 44,000
Jackson, Georgia 4 $ 973,000 $ 243,250 $ 130,000
Muscogee, Georgia 4 $ 528,000 $ 132,000 $ 40,000
Paulding, Georgia 4 $ 923,000 $ 230,750 $ 85,000
Peoria, Illinois 4 $ 633,000 $ 158,250 $ 73,000
Calloway, Kentucky 4 $ 287,000 $ 71,750 $ 48,000
Jessamine, Kentucky 4 $ 694,000 $ 173,500 $ 94,000
Oldham, Kentucky 4 $ 660,000 $ 165,000 $ 90,000
Ascension, Louisiana 4 $ 811,000 $ 202,750 $ 78,000
Calcasieu, Louisiana 4 $ 469,000 $ 117,250 $ 32,000
Washington, Maryland 4 $ 1,133,000 $ 283,250 $ 48,000
Norfolk, Massachusetts 4 $ 1,597,000 $ 399,250 $ 125,000
Suffolk, Massachusetts 4 $ 1,435,000 $ 358,750 $ 70,000
Barry, Michigan 4 $ 486,000 $ 121,500 $ 50,000
Cass, Michigan 4 $ 904,000 $ 226,000 $ 174,000
Eaton, Michigan 4 $ 548,000 $ 137,000 $ 62,000
Ionia, Michigan 4 $ 615,000 $ 153,750 $ 56,000
Lenawee, Michigan 4 $ 752,000 $ 188,000 $ 101,000
Mecosta, Michigan 4 $ 400,000 $ 100,000 $ 68,000
Monroe, Michigan 4 $ 811,000 $ 202,750 $ 121,000
Bolivar, Mississippi 4 $ 625,000 $ 156,250 $ 56,000
Cass, Missouri 4 $ 514,000 $ 128,500 $ 71,000
St. Louis, Missouri 4 $ 826,000 $ 206,500 $ 78,000
Ocean, New Jersey 4 $ 741,000 $ 185,250 $ 42,000
Hoke, North Carolina 4 $ 615,000 $ 153,750 $ 60,000
Warren, North Carolina 4 $ 1,090,000 $ 272,500 $ 131,000
Cleveland, Oklahoma 4 $ 316,000 $ 79,000 $ 37,000
Payne, Oklahoma 4 $ 632,000 $ 158,000 $ 74,000
Clatsop, Oregon 4 $ 1,177,000 $ 294,250 $ 145,000
Allegheny, Pennsylvania 4 $ 509,000 $ 127,250 $ 82,000
Chester, Pennsylvania 4 $ 656,000 $ 164,000 $ 60,000
Chesterfield, South Carolina 4 $ 322,000 $ 80,500 $ 38,000
Lincoln, Tennessee 4 $ 496,000 $ 124,000 $ 54,000
Austin, Texas 4 $ 374,000 $ 93,500 $ 44,000
Coryell, Texas 4 $ 333,000 $ 83,250 $ 43,000
Fannin, Texas 4 $ 307,000 $ 76,750 $ 66,000
Hardin, Texas 4 $ 454,000 $ 113,500 $ 72,000
Tyler, Texas 4 $ 155,000 $ 38,750 $ 113,000
Walker, Texas 4 $ 411,000 $ 102,750 $ 62,000
Albemarle, Virginia 4 $ 782,000 $ 195,500 $ 0
Arlington, Virginia 4 $ 1,624,000 $ 406,000 $ 157,000
Colonial Heights, Virginia 4 $ 493,000 $ 123,250 $ 0
Hanover, Virginia 4 $ 895,000 $ 223,750 $ 25,000
Benton, Washington 4 $ 508,000 $ 127,000 $ 50,000
Waukesha, Wisconsin 4 $ 652,000 $ 163,000 $ 71,000
Autauga, Alabama 3 $ 463,000 $ 154,333 $ 53,000
Baldwin, Alabama 3 $ 607,000 $ 202,333 $ 86,000
Dale, Alabama 3 $ 262,000 $ 87,333 $ 35,000
DeKalb, Alabama 3 $ 736,000 $ 245,333 $ 113,000
Elmore, Alabama 3 $ 508,000 $ 169,333 $ 79,000
Morgan, Alabama 3 $ 445,000 $ 148,333 $ 70,000
Graham, Arizona 3 $ 355,000 $ 118,333 $ 98,000
Yuma, Arizona 3 $ 356,000 $ 118,666 $ 52,000
Benton, Arkansas 3 $ 535,000 $ 178,333 $ 67,000
Nevada, Arkansas 3 $ 170,000 $ 56,666 $ 44,000
Amador, California 3 $ 314,000 $ 104,666 $ 47,000
Mono, California 3 $ 977,000 $ 325,666 $ 269,000
Yolo, California 3 $ 1,109,000 $ 369,666 $ 98,000
Fremont, Colorado 3 $ 210,000 $ 70,000 $ 240,000
Summit, Colorado 3 $ 848,000 $ 282,666 $ 441,000
Litchfield, Connecticut 3 $ 663,000 $ 221,000 $ 42,000
New London, Connecticut 3 $ 645,000 $ 215,000 $ 145,000
Tolland, Connecticut 3 $ 727,000 $ 242,333 $ 131,000
New Castle, Delaware 3 $ 621,000 $ 207,000 $ 44,000
Okaloosa, Florida 3 $ 503,000 $ 167,666 $ 26,000
Catoosa, Georgia 3 $ 199,000 $ 66,333 $ 42,000
Coweta, Georgia 3 $ 450,000 $ 150,000 $ 31,000
Douglas, Georgia 3 $ 550,000 $ 183,333 $ 22,000
Newton, Georgia 3 $ 493,000 $ 164,333 $ 77,000
Rockdale, Georgia 3 $ 1,011,000 $ 337,000 $ 117,000
Kauai, Hawaii 3 $ 1,247,000 $ 415,666 $ 183,000
Ada, Idaho 3 $ 609,000 $ 203,000 $ 34,000
McLean, Illinois 3 $ 679,000 $ 226,333 $ 128,000
Johnson, Indiana 3 $ 514,000 $ 171,333 $ 79,000
Madison, Indiana 3 $ 374,000 $ 124,666 $ 90,000
Vanderburgh, Indiana 3 $ 338,000 $ 112,666 $ 47,000
Campbell, Kentucky 3 $ 423,000 $ 141,000 $ 72,000
Christian, Kentucky 3 $ 411,000 $ 137,000 $ 65,000
Spencer, Kentucky 3 $ 485,000 $ 161,666 $ 74,000
York, Maine 3 $ 422,000 $ 140,666 $ 23,000
Frederick, Maryland 3 $ 783,000 $ 261,000 $ 92,000
Queen Anne's, Maryland 3 $ 901,000 $ 300,333 $ 28,000
Barnstable, Massachusetts 3 $ 1,247,000 $ 415,666 $ 190,000
Montcalm, Michigan 3 $ 275,000 $ 91,666 $ 21,000
Muskegon, Michigan 3 $ 316,000 $ 105,333 $ 54,000
Roscommon, Michigan 3 $ 357,000 $ 119,000 $ 94,000
Sanilac, Michigan 3 $ 215,000 $ 71,666 $ 22,000
St. Joseph, Michigan 3 $ 336,000 $ 112,000 $ 61,000
Dakota, Minnesota 3 $ 887,000 $ 295,666 $ 144,000
Alcorn, Mississippi 3 $ 344,000 $ 114,666 $ 85,000
Forrest, Mississippi 3 $ 375,000 $ 125,000 $ 268,000
Itawamba, Mississippi 3 $ 232,000 $ 77,333 $ 46,000
Lee, Mississippi 3 $ 385,000 $ 128,333 $ 79,000
Madison, Mississippi 3 $ 812,000 $ 270,666 $ 88,000
Tate, Mississippi 3 $ 477,000 $ 159,000 $ 66,000
Camden, New Jersey 3 $ 459,000 $ 153,000 $ 32,000
Essex, New Jersey 3 $ 1,283,000 $ 427,666 $ 73,000
Grant, New Mexico 3 $ 468,000 $ 156,000 $ 53,000
Nassau, New York 3 $ 1,604,000 $ 534,666 $ 231,000
Anson, North Carolina 3 $ 291,000 $ 97,000 $ 33,000
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Mortgage Loan Application Detail Totals for Guaranty Bank in 2007

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 14,650 $4,241,816,000 $289,000 $99,763,000 $94,000 $7,780,000
Refinancing 6,600 $1,609,979,000 $243,000 $4,200,000 $98,000 $4,278,000
Home Improvement 240 $13,547,000 $56,000 $455,000 $74,000 $972,000

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 14,595 $3,255,945,000 $223,000 $4,200,000 $103,000 $6,241,000
Hispanic 2,354 $491,328,000 $208,000 $1,560,000 $71,000 $972,000
Not Provided 2,164 $503,795,000 $232,000 $2,660,000 $84,000 $2,471,000
Black or African American 1,443 $253,419,000 $175,000 $1,499,000 $66,000 $2,100,000
Asian 729 $225,482,000 $309,000 $1,408,000 $132,000 $7,780,000
Native Hawaiian or Other Pacific Islander 90 $25,815,000 $286,000 $700,000 $88,000 $336,000
American Indian or Alaskan Native 64 $13,475,000 $210,000 $1,330,000 $70,000 $289,000
Not applicable 51 $1,096,083,000 $21,491,000 $99,763,000 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 17,985 $5,360,971,000 $298,000 $99,763,000 $103,000 $7,780,000
FHA-insured (Federal Housing Administration) 2,867 $378,424,000 $131,000 $414,000 $48,000 $744,000
VA-guaranteed (Veterans Administration) 633 $125,053,000 $197,000 $575,000 $76,000 $5,227,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $894,000 $178,000 $260,000 $57,000 $89,000

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 20,690 $4,666,337,000 $225,000 $3,587,000 $96,000 $7,780,000
Application Denied By Financial Institution 418 $64,704,000 $154,000 $4,200,000 $85,000 $1,980,000
Loan Originated 245 $1,114,714,000 $4,549,000 $99,763,000 $54,000 $353,000
Application Approved But Not Accepted 121 $16,076,000 $132,000 $650,000 $113,000 $3,480,000
Application Withdrawn By Applicant 10 $270,000 $27,000 $60,000 $72,000 $176,000
File Closed For Incompleteness 6 $3,241,000 $540,000 $1,500,000 $318,000 $1,080,000
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 164 $14,072,000 $85,000 $545,000 $77,000 $972,000
Debt-To-Income Ratio 145 $21,386,000 $147,000 $1,500,000 $48,000 $234,000
Collateral 45 $6,957,000 $154,000 $1,500,000 $98,000 $688,000
Other 40 $16,701,000 $417,000 $4,200,000 $219,000 $1,980,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,820,000 $227,000 $480,000 $168,000 $499,000
Credit Application Incomplete 8 $1,035,000 $129,000 $352,000 $59,000 $144,000
Employment History 6 $1,461,000 $243,000 $367,000 $109,000 $290,000
Unverifiable Information 2 $1,272,000 $636,000 $1,155,000 $216,000 $348,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2007 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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