Guaranty Bank Mortgage Lending & HMDA Data, 2008
In 2008, Guaranty Bank of Dallas, TX reported 43,977 mortgage applications totaling $9.3 billion, up 105% from 2007. The average application was for $210,982, and applicants reported an average income of $91,361. 2% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,415), Atlanta-Sandy Springs-Marietta, GA (2,465) and Dallas-Plano-Irving, TX (2,255) (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 | 43,977 |
| Total Mortgage Loan Application Amount | $9,278,387,000 |
| Average Mortgage Loan Application Amount | $210,982 |
| Highest Mortgage Loan Application Amount | $30,775,000 |
| Average Applicant Income | $91,361 |
| Highest Applicant Income | $6,403,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 3,415 | $ 898,628,000 | $ 263,141 | $ 113,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,465 | $ 463,183,000 | $ 187,903 | $ 84,000 |
| Dallas-Plano-Irving, TX | 2,255 | $ 425,673,000 | $ 188,768 | $ 103,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2,137 | $ 344,188,000 | $ 161,061 | $ 64,424 |
| Houston-Sugar Land-Baytown, TX | 1,743 | $ 291,827,000 | $ 167,427 | $ 107,000 |
| Denver-Aurora, CO | 1,719 | $ 377,197,000 | $ 219,428 | $ 86,000 |
| Fort Worth-Arlington, TX | 1,691 | $ 232,181,000 | $ 137,303 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,651 | $ 513,926,000 | $ 311,281 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 1,529 | $ 293,290,000 | $ 191,818 | $ 93,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,242 | $ 302,516,000 | $ 243,571 | $ 88,166 |
| San Antonio, TX | 1,061 | $ 135,563,000 | $ 127,769 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 777 | $ 245,060,000 | $ 315,392 | $ 125,000 |
| Colorado Springs, CO | 708 | $ 165,547,000 | $ 233,823 | $ 79,000 |
| Austin-Round Rock, TX | 678 | $ 110,728,000 | $ 163,315 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 646 | $ 198,706,000 | $ 307,594 | $ 105,040 |
| Oakland-Fremont-Hayward, CA | 595 | $ 198,377,000 | $ 333,406 | $ 132,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 574 | $ 106,176,000 | $ 184,975 | $ 85,000 |
| Santa Ana-Anaheim-Irvine, CA | 508 | $ 175,508,000 | $ 345,488 | $ 117,000 |
| Raleigh-Cary, NC | 488 | $ 89,274,000 | $ 182,938 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 451 | $ 99,215,000 | $ 219,988 | $ 87,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 420 | $ 97,914,000 | $ 233,128 | $ 112,000 |
| Greensboro-High Point, NC | 416 | $ 62,920,000 | $ 151,250 | $ 70,000 |
| Asheville, NC | 375 | $ 75,378,000 | $ 201,008 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 333 | $ 105,552,000 | $ 316,972 | $ 111,000 |
| Warren-Troy-Farmington Hills, MI | 312 | $ 47,950,000 | $ 153,685 | $ 59,000 |
| Bethesda-Frederick-Gaithersburg, MD | 291 | $ 96,562,000 | $ 331,828 | $ 120,000 |
| Baltimore-Towson, MD | 243 | $ 63,439,000 | $ 261,065 | $ 98,000 |
| Tacoma, WA | 220 | $ 53,045,000 | $ 241,113 | $ 80,000 |
| Edison-New Brunswick, NJ | 215 | $ 57,295,000 | $ 266,488 | $ 91,000 |
| Fayetteville, NC | 211 | $ 33,326,000 | $ 157,943 | $ 60,000 |
| Philadelphia, PA | 209 | $ 49,918,000 | $ 238,842 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 209 | $ 57,541,000 | $ 275,315 | $ 97,000 |
| Oklahoma City, OK | 206 | $ 28,681,000 | $ 139,228 | $ 61,000 |
| Wilmington, NC | 204 | $ 38,018,000 | $ 186,362 | $ 92,000 |
| Corpus Christi, TX | 203 | $ 26,941,000 | $ 132,714 | $ 69,000 |
| Baton Rouge, LA | 200 | $ 38,082,000 | $ 190,410 | $ 93,000 |
| McAllen-Edinburg-Mission, TX | 199 | $ 22,602,000 | $ 113,577 | $ 60,000 |
| Boulder, CO | 191 | $ 49,858,000 | $ 261,036 | $ 100,000 |
| Honolulu, HI | 191 | $ 89,691,000 | $ 469,586 | $ 102,000 |
| Las Vegas-Paradise, NV | 187 | $ 41,499,000 | $ 221,919 | $ 90,000 |
| Sherman-Denison, TX | 185 | $ 19,046,000 | $ 102,951 | $ 58,000 |
| Birmingham-Hoover, AL | 180 | $ 27,197,000 | $ 151,094 | $ 64,000 |
| Eugene-Springfield, OR | 170 | $ 35,793,000 | $ 210,547 | $ 70,000 |
| Modesto, CA | 170 | $ 24,313,000 | $ 143,017 | $ 89,000 |
| Stockton, CA | 169 | $ 29,333,000 | $ 173,568 | $ 101,000 |
| Newark-Union, NJ-PA | 168 | $ 48,942,000 | $ 291,321 | $ 100,226 |
| Bremerton-Silverdale, WA | 165 | $ 43,089,000 | $ 261,145 | $ 87,000 |
| San Francisco-San Mateo-Redwood City, CA | 165 | $ 69,996,000 | $ 424,218 | $ 159,000 |
| Hickory-Lenoir-Morganton, NC | 163 | $ 21,708,000 | $ 133,177 | $ 55,000 |
| Salem, OR | 159 | $ 31,218,000 | $ 196,339 | $ 66,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 157 | $ 27,272,000 | $ 173,707 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 151 | $ 43,765,000 | $ 289,834 | $ 146,523 |
| San Jose-Sunnyvale-Santa Clara, CA | 151 | $ 57,315,000 | $ 379,569 | $ 146,000 |
| Texarkana, Tx-Texarkana, AR | 145 | $ 16,047,000 | $ 110,668 | $ 55,606 |
| Camden, NJ | 141 | $ 29,039,000 | $ 205,950 | $ 78,000 |
| Winston-Salem, NC | 139 | $ 18,830,000 | $ 135,467 | $ 58,000 |
| Fresno, CA | 138 | $ 18,546,000 | $ 134,391 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 138 | $ 24,896,000 | $ 180,405 | $ 61,000 |
| Charleston-North Charleston-Summerville, SC | 132 | $ 24,065,000 | $ 182,310 | $ 67,000 |
| Vallejo-Fairfield, CA | 131 | $ 31,685,000 | $ 241,870 | $ 93,000 |
| Bend, OR | 129 | $ 28,205,000 | $ 218,643 | $ 98,000 |
| Salt Lake City, UT | 127 | $ 32,634,000 | $ 256,960 | $ 103,000 |
| Bakersfield, CA | 126 | $ 14,743,000 | $ 117,007 | $ 96,000 |
| Fort Collins-Loveland, CO | 126 | $ 27,775,000 | $ 220,436 | $ 89,000 |
| Savannah, GA | 124 | $ 20,338,000 | $ 164,016 | $ 81,000 |
| Wilmington, DE-MD-NJ | 120 | $ 25,669,000 | $ 213,908 | $ 69,508 |
| Albuquerque, NM | 118 | $ 21,617,000 | $ 183,194 | $ 82,000 |
| Orlando-Kissimmee, FL | 116 | $ 52,774,000 | $ 454,948 | $ 76,000 |
| Greeley, CO | 112 | $ 20,547,000 | $ 183,455 | $ 84,000 |
| New York-White Plains-Wayne, NY-NJ | 111 | $ 40,403,000 | $ 363,990 | $ 109,774 |
| Oxnard-Thousand Oaks-Ventura, CA | 111 | $ 38,213,000 | $ 344,261 | $ 117,000 |
| Detroit-Livonia-Dearborn, MI | 110 | $ 14,457,000 | $ 131,427 | $ 58,000 |
| Tyler, TX | 109 | $ 12,397,000 | $ 113,733 | $ 61,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 98 | $ 19,343,000 | $ 197,377 | $ 67,489 |
| Tulsa, OK | 94 | $ 13,590,000 | $ 144,574 | $ 69,000 |
| Durham, NC | 91 | $ 16,851,000 | $ 185,175 | $ 81,000 |
| Provo-Orem, UT | 81 | $ 18,151,000 | $ 224,086 | $ 75,000 |
| Yuba City, CA | 81 | $ 11,982,000 | $ 147,925 | $ 81,000 |
| Olympia, WA | 80 | $ 18,840,000 | $ 235,500 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 80 | $ 19,435,000 | $ 242,937 | $ 71,000 |
| Augusta-Richmond County, GA-SC | 77 | $ 11,543,000 | $ 149,909 | $ 66,545 |
| Wenatchee, WA | 76 | $ 16,105,000 | $ 211,907 | $ 75,000 |
| Memphis, TN-MS-AR | 73 | $ 12,095,000 | $ 165,684 | $ 75,561 |
| Yakima, WA | 70 | $ 12,278,000 | $ 175,400 | $ 76,000 |
| St. Louis, MO-IL | 69 | $ 12,446,000 | $ 180,376 | $ 74,000 |
| Chattanooga, TN-GA | 67 | $ 37,416,000 | $ 558,447 | $ 66,447 |
| Killeen-Temple-Fort Hood, TX | 67 | $ 5,182,000 | $ 77,343 | $ 100,000 |
| Merced, CA | 66 | $ 9,371,000 | $ 141,984 | $ 91,000 |
| Indianapolis-Carmel, IN | 65 | $ 10,074,000 | $ 154,984 | $ 73,000 |
| Jacksonville, FL | 64 | $ 35,839,000 | $ 559,984 | $ 164,000 |
| Macon, GA | 63 | $ 9,005,000 | $ 142,936 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 62 | $ 13,546,000 | $ 218,483 | $ 147,000 |
| Boise City-Nampa, ID | 58 | $ 10,079,000 | $ 173,775 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 57 | $ 12,490,000 | $ 219,122 | $ 88,000 |
| Knoxville, TN | 57 | $ 9,628,000 | $ 168,912 | $ 78,000 |
| Athens-Clarke County, GA | 56 | $ 8,446,000 | $ 150,821 | $ 104,000 |
| Cincinnati-Middletown, OH-KY-IN | 55 | $ 9,816,000 | $ 178,472 | $ 75,272 |
| Medford, OR | 55 | $ 11,234,000 | $ 204,254 | $ 76,000 |
| Ogden-Clearfield, UT | 55 | $ 10,639,000 | $ 193,436 | $ 67,000 |
| Richmond, VA | 51 | $ 11,463,000 | $ 224,764 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 50 | $ 12,082,000 | $ 241,640 | $ 98,000 |
| Providence-New Bedford-Fall River, RI-MA | 48 | $ 10,708,000 | $ 223,083 | $ 71,395 |
| Visalia-Porterville, CA | 48 | $ 3,826,000 | $ 79,708 | $ 99,000 |
| Salinas, CA | 47 | $ 12,911,000 | $ 274,702 | $ 107,000 |
| Valdosta, GA | 47 | $ 8,000,000 | $ 170,212 | $ 68,000 |
| Columbia, SC | 46 | $ 7,879,000 | $ 171,282 | $ 113,000 |
| Beaumont-Port Arthur, TX | 45 | $ 2,813,000 | $ 62,511 | $ 93,000 |
| Gary, IN | 44 | $ 8,309,000 | $ 188,840 | $ 104,000 |
| Burlington, NC | 42 | $ 5,379,000 | $ 128,071 | $ 63,000 |
| Greenville-Mauldin-Easley, SC | 42 | $ 6,387,000 | $ 152,071 | $ 72,000 |
| Brunswick, GA | 40 | $ 6,598,000 | $ 164,950 | $ 62,000 |
| Naples-Marco Island, FL | 40 | $ 13,369,000 | $ 334,225 | $ 212,000 |
| San Luis Obispo-Paso Robles, CA | 40 | $ 12,919,000 | $ 322,975 | $ 123,000 |
| Gainesville, GA | 39 | $ 7,437,000 | $ 190,692 | $ 76,000 |
| Kansas City, MO-KS | 39 | $ 6,365,000 | $ 163,205 | $ 68,692 |
| Lake Havasu City-Kingman, AZ | 39 | $ 7,180,000 | $ 184,102 | $ 110,000 |
| Hinesville-Fort Stewart, GA | 38 | $ 5,461,000 | $ 143,710 | $ 51,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 38 | $ 8,375,000 | $ 220,394 | $ 83,000 |
| Napa, CA | 38 | $ 14,464,000 | $ 380,631 | $ 210,000 |
| Redding, CA | 38 | $ 7,830,000 | $ 206,052 | $ 121,000 |
| Brownsville-Harlingen, TX | 37 | $ 3,711,000 | $ 100,297 | $ 61,000 |
| Flint, MI | 37 | $ 5,760,000 | $ 155,675 | $ 59,000 |
| Panama City-Lynn Haven, FL | 34 | $ 7,690,000 | $ 226,176 | $ 142,000 |
| Louisville-Jefferson County, KY-IN | 33 | $ 5,175,000 | $ 156,818 | $ 70,636 |
| Tucson, AZ | 32 | $ 5,997,000 | $ 187,406 | $ 74,000 |
| Grand Rapids-Wyoming, MI | 30 | $ 4,128,000 | $ 137,600 | $ 55,000 |
| Mobile, AL | 30 | $ 4,048,000 | $ 134,933 | $ 60,000 |
| Spartanburg, SC | 30 | $ 3,696,000 | $ 123,200 | $ 68,000 |
| Waco, TX | 29 | $ 2,156,000 | $ 74,344 | $ 77,000 |
| Huntsville, AL | 28 | $ 4,493,000 | $ 160,464 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 28 | $ 5,921,000 | $ 211,464 | $ 80,000 |
| Spokane, WA | 27 | $ 4,863,000 | $ 180,111 | $ 77,000 |
| Cleveland-Elyria-Mentor, OH | 26 | $ 4,294,000 | $ 165,153 | $ 57,000 |
| College Station-Bryan, TX | 25 | $ 1,902,000 | $ 76,080 | $ 103,000 |
| Columbus, GA-AL | 25 | $ 3,782,000 | $ 151,280 | $ 64,040 |
| Kennewick-Pasco-Richland, WA | 25 | $ 4,645,000 | $ 185,800 | $ 70,000 |
| Warner Robins, GA | 25 | $ 3,572,000 | $ 142,880 | $ 66,000 |
| Longview, TX | 24 | $ 2,553,000 | $ 106,375 | $ 71,000 |
| Longview, WA | 24 | $ 4,294,000 | $ 178,916 | $ 58,000 |
| Pueblo, CO | 24 | $ 3,900,000 | $ 162,500 | $ 65,000 |
| Santa Cruz-Watsonville, CA | 24 | $ 7,573,000 | $ 315,541 | $ 167,000 |
| Boston-Quincy, MA | 23 | $ 5,911,000 | $ 257,000 | $ 99,000 |
| Bradenton-Sarasota-Venice, FL | 23 | $ 5,932,000 | $ 257,913 | $ 133,000 |
| Chico, CA | 23 | $ 3,930,000 | $ 170,869 | $ 70,000 |
| Lynchburg, VA | 23 | $ 2,848,000 | $ 123,826 | $ 58,000 |
| Montgomery, AL | 23 | $ 3,259,000 | $ 141,695 | $ 53,000 |
| El Paso, TX | 22 | $ 3,117,000 | $ 141,681 | $ 66,000 |
| Hartford-West Hartford-East Hartford, CT | 22 | $ 4,987,000 | $ 226,681 | $ 95,000 |
| Madera, CA | 22 | $ 2,942,000 | $ 133,727 | $ 96,000 |
| Portland-South Portland-Biddeford, ME | 22 | $ 4,167,000 | $ 189,409 | $ 68,000 |
| Trenton-Ewing, NJ | 22 | $ 5,596,000 | $ 254,363 | $ 90,000 |
| New Orleans-Metairie-Kenner, LA | 21 | $ 3,123,000 | $ 148,714 | $ 58,000 |
| Atlantic City-Hammonton, NJ | 20 | $ 4,515,000 | $ 225,750 | $ 95,000 |
| Lansing-East Lansing, MI | 20 | $ 2,630,000 | $ 131,500 | $ 46,000 |
| Laredo, TX | 19 | $ 2,398,000 | $ 126,210 | $ 67,000 |
| Pittsburgh, PA | 19 | $ 2,491,000 | $ 131,105 | $ 77,000 |
| St. George, UT | 18 | $ 6,674,000 | $ 370,777 | $ 118,000 |
| Corvallis, OR | 17 | $ 3,347,000 | $ 196,882 | $ 73,000 |
| Midland, TX | 17 | $ 2,586,000 | $ 152,117 | $ 343,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 3,283,000 | $ 193,117 | $ 108,000 |
| San Angelo, TX | 17 | $ 1,727,000 | $ 101,588 | $ 59,000 |
| Anchorage, AK | 16 | $ 4,697,000 | $ 293,562 | $ 107,000 |
| Cambridge-Newton-Framingham, MA | 16 | $ 4,538,000 | $ 283,625 | $ 91,000 |
| El Centro, CA | 16 | $ 2,176,000 | $ 136,000 | $ 65,000 |
| Hagerstown-Martinsburg, MD-WV | 16 | $ 3,428,000 | $ 214,250 | $ 108,375 |
| Albany, GA | 15 | $ 2,237,000 | $ 149,133 | $ 71,000 |
| Ann Arbor, MI | 15 | $ 3,302,000 | $ 220,133 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 2,425,000 | $ 161,666 | $ 289,000 |
| Lakeland-Winter Haven, FL | 15 | $ 2,360,000 | $ 157,333 | $ 83,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 15 | $ 3,570,000 | $ 238,000 | $ 85,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 15 | $ 4,480,000 | $ 298,666 | $ 98,000 |
| Charlottesville, VA | 14 | $ 3,009,000 | $ 214,928 | $ 111,000 |
| New Haven-Milford, CT | 14 | $ 3,019,000 | $ 215,642 | $ 86,000 |
| Ocala, FL | 14 | $ 2,806,000 | $ 200,428 | $ 77,000 |
| Rocky Mount, NC | 14 | $ 1,770,000 | $ 126,428 | $ 52,000 |
| Bay City, MI | 13 | $ 984,000 | $ 75,692 | $ 36,000 |
| Columbus, OH | 13 | $ 2,449,000 | $ 188,384 | $ 79,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 1,683,000 | $ 129,461 | $ 47,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 2,561,000 | $ 213,416 | $ 97,000 |
| Holland-Grand Haven, MI | 12 | $ 1,559,000 | $ 129,916 | $ 86,000 |
| Jackson, MS | 12 | $ 1,837,000 | $ 153,083 | $ 93,000 |
| Kalamazoo-Portage, MI | 12 | $ 1,732,000 | $ 144,333 | $ 53,000 |
| Monroe, MI | 12 | $ 1,481,000 | $ 123,416 | $ 40,000 |
| Prescott, AZ | 12 | $ 2,587,000 | $ 215,583 | $ 82,000 |
| Saginaw-Saginaw Township North, MI | 12 | $ 1,360,000 | $ 113,333 | $ 51,000 |
| Blacksburg-Christiansburg-Radford, VA | 11 | $ 1,682,000 | $ 152,909 | $ 65,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 5,085,000 | $ 462,272 | $ 145,000 |
| Clarksville, TN-KY | 11 | $ 1,354,000 | $ 123,090 | $ 40,181 |
| Dothan, AL | 11 | $ 1,790,000 | $ 162,727 | $ 50,000 |
| Fargo, ND-MN | 11 | $ 1,576,000 | $ 143,272 | $ 113,272 |
| Fayetteville-Springdale-Rogers, AR-MO | 11 | $ 2,002,000 | $ 182,000 | $ 87,000 |
| Florence, SC | 11 | $ 1,351,000 | $ 122,818 | $ 41,000 |
| Greenville, NC | 11 | $ 1,330,000 | $ 120,909 | $ 44,000 |
| Hanford-Corcoran, CA | 11 | $ 1,631,000 | $ 148,272 | $ 92,000 |
| Rockingham County-Strafford County, NH | 11 | $ 2,779,000 | $ 252,636 | $ 145,000 |
| Worcester, MA | 11 | $ 2,541,000 | $ 231,000 | $ 117,000 |
| Amarillo, TX | 10 | $ 1,446,000 | $ 144,600 | $ 83,000 |
| Grand Junction, CO | 10 | $ 2,009,000 | $ 200,900 | $ 64,000 |
| Jackson, MI | 10 | $ 1,114,000 | $ 111,400 | $ 53,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 2,698,000 | $ 269,800 | $ 93,000 |
| Nassau-Suffolk, NY | 10 | $ 4,007,000 | $ 400,700 | $ 129,000 |
| Rome, GA | 10 | $ 911,000 | $ 91,100 | $ 78,000 |
| Dayton, OH | 9 | $ 1,061,000 | $ 117,888 | $ 41,000 |
| Hattiesburg, MS | 9 | $ 1,551,000 | $ 172,333 | $ 153,000 |
| Omaha-Council Bluffs, NE-IA | 9 | $ 1,442,000 | $ 160,222 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,065,000 | $ 118,333 | $ 45,000 |
| Peabody, MA | 9 | $ 2,525,000 | $ 280,555 | $ 80,000 |
| Port St. Lucie, FL | 9 | $ 1,072,000 | $ 119,111 | $ 40,000 |
| Punta Gorda, FL | 9 | $ 1,432,000 | $ 159,111 | $ 58,000 |
| Tuscaloosa, AL | 9 | $ 1,208,000 | $ 134,222 | $ 44,000 |
| York-Hanover, PA | 9 | $ 1,335,000 | $ 148,333 | $ 69,000 |
| Abilene, TX | 8 | $ 1,077,000 | $ 134,625 | $ 69,000 |
| Anderson, SC | 8 | $ 1,356,000 | $ 169,500 | $ 60,000 |
| Bellingham, WA | 8 | $ 1,976,000 | $ 247,000 | $ 108,000 |
| Des Moines-West Des Moines, IA | 8 | $ 1,251,000 | $ 156,375 | $ 64,000 |
| Dover, DE | 8 | $ 1,400,000 | $ 175,000 | $ 80,000 |
| Flagstaff, AZ | 8 | $ 3,098,000 | $ 387,250 | $ 205,000 |
| Lexington-Fayette, KY | 8 | $ 1,347,000 | $ 168,375 | $ 76,000 |
| Ocean City, NJ | 8 | $ 2,345,000 | $ 293,125 | $ 209,000 |
| Reno-Sparks, NV | 8 | $ 2,601,000 | $ 325,125 | $ 98,000 |
| Rockford, IL | 8 | $ 1,484,000 | $ 185,500 | $ 94,000 |
| Santa Fe, NM | 8 | $ 2,045,000 | $ 255,625 | $ 114,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,375,000 | $ 171,875 | $ 123,250 |
| Victoria, TX | 8 | $ 865,000 | $ 108,125 | $ 112,000 |
| Decatur, AL | 7 | $ 1,220,000 | $ 174,285 | $ 70,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,177,000 | $ 168,142 | $ 70,000 |
| Lake Charles, LA | 7 | $ 919,000 | $ 131,285 | $ 73,000 |
| Logan, UT-ID | 7 | $ 1,070,000 | $ 152,857 | $ 54,000 |
| Lubbock, TX | 7 | $ 919,000 | $ 131,285 | $ 46,000 |
| Manchester-Nashua, NH | 7 | $ 1,637,000 | $ 233,857 | $ 138,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,520,000 | $ 217,142 | $ 87,000 |
| Elkhart-Goshen, IN | 6 | $ 782,000 | $ 130,333 | $ 30,000 |
| Evansville, IN-KY | 6 | $ 761,000 | $ 126,833 | $ 76,000 |
| Harrisonburg, VA | 6 | $ 1,101,000 | $ 183,500 | $ 106,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 867,000 | $ 144,500 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 819,000 | $ 136,500 | $ 60,333 |
| Niles-Benton Harbor, MI | 6 | $ 1,296,000 | $ 216,000 | $ 169,000 |
| Odessa, TX | 6 | $ 701,000 | $ 116,833 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 6 | $ 897,000 | $ 149,500 | $ 71,000 |
| Springfield, MO | 6 | $ 853,000 | $ 142,166 | $ 61,000 |
| Auburn-Opelika, AL | 5 | $ 724,000 | $ 144,800 | $ 270,000 |
| Barnstable Town, MA | 5 | $ 1,282,000 | $ 256,400 | $ 101,000 |
| Bowling Green, KY | 5 | $ 756,000 | $ 151,200 | $ 52,000 |
| Cheyenne, WY | 5 | $ 1,047,000 | $ 209,400 | $ 116,000 |
| Gulfport-Biloxi, MS | 5 | $ 796,000 | $ 159,200 | $ 120,000 |
| Idaho Falls, ID | 5 | $ 754,000 | $ 150,800 | $ 43,000 |
| Kingston, NY | 5 | $ 857,000 | $ 171,400 | $ 41,000 |
| Lewiston-Auburn, ME | 5 | $ 889,000 | $ 177,800 | $ 64,000 |
| Muskegon-Norton Shores, MI | 5 | $ 630,000 | $ 126,000 | $ 45,000 |
| Reading, PA | 5 | $ 911,000 | $ 182,200 | $ 76,000 |
| Salisbury, MD | 5 | $ 805,000 | $ 161,000 | $ 49,000 |
| Shreveport-Bossier City, LA | 5 | $ 827,000 | $ 165,400 | $ 63,000 |
| Springfield, MA | 5 | $ 808,000 | $ 161,600 | $ 43,000 |
| Wichita, KS | 5 | $ 906,000 | $ 181,200 | $ 75,000 |
| Champaign-Urbana, IL | 4 | $ 747,000 | $ 186,750 | $ 116,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 708,000 | $ 177,000 | $ 58,250 |
| Elizabethtown, KY | 4 | $ 513,000 | $ 128,250 | $ 62,000 |
| Farmington, NM | 4 | $ 572,000 | $ 143,000 | $ 58,000 |
| Florence-Muscle Shoals, AL | 4 | $ 703,000 | $ 175,750 | $ 57,000 |
| Fort Smith, AR-OK | 4 | $ 657,000 | $ 164,250 | $ 85,000 |
| Fort Wayne, IN | 4 | $ 1,122,000 | $ 280,500 | $ 130,000 |
| Gainesville, FL | 4 | $ 526,000 | $ 131,500 | $ 67,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 460,000 | $ 115,000 | $ 57,250 |
| Jacksonville, NC | 4 | $ 610,000 | $ 152,500 | $ 61,000 |
| Johnson City, TN | 4 | $ 508,000 | $ 127,000 | $ 59,000 |
| Lafayette, LA | 4 | $ 592,000 | $ 148,000 | $ 55,000 |
| Las Cruces, NM | 4 | $ 850,000 | $ 212,500 | $ 147,000 |
| Missoula, MT | 4 | $ 1,005,000 | $ 251,250 | $ 83,000 |
| Morristown, TN | 4 | $ 599,000 | $ 149,750 | $ 63,000 |
| Norwich-New London, CT | 4 | $ 878,000 | $ 219,500 | $ 71,000 |
| Palm Coast, FL | 4 | $ 756,000 | $ 189,000 | $ 58,000 |
| Peoria, IL | 4 | $ 479,000 | $ 119,750 | $ 52,000 |
| Roanoke, VA | 4 | $ 690,000 | $ 172,500 | $ 101,000 |
| Tallahassee, FL | 4 | $ 523,000 | $ 130,750 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 570,000 | $ 190,000 | $ 95,000 |
| Bloomington-Normal, IL | 3 | $ 853,000 | $ 284,333 | $ 100,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 614,000 | $ 204,666 | $ 121,000 |
| Cleveland, TN | 3 | $ 420,000 | $ 140,000 | $ 81,000 |
| Coeur D'Alene, ID | 3 | $ 468,000 | $ 156,000 | $ 64,000 |
| Columbia, MO | 3 | $ 411,000 | $ 137,000 | $ 51,000 |
| Duluth, MN-WI | 3 | $ 907,000 | $ 302,333 | $ 89,666 |
| Joplin, MO | 3 | $ 260,000 | $ 86,666 | $ 43,000 |
| Kankakee-Bradley, IL | 3 | $ 462,000 | $ 154,000 | $ 73,000 |
| Michigan City-La Porte, IN | 3 | $ 567,000 | $ 189,000 | $ 287,000 |
| Monroe, LA | 3 | $ 359,000 | $ 119,666 | $ 53,000 |
| Muncie, IN | 3 | $ 395,000 | $ 131,666 | $ 67,000 |
| State College, PA | 3 | $ 559,000 | $ 186,333 | $ 59,000 |
| Syracuse, NY | 3 | $ 9,654,000 | $ 3,218,000 | $ 36,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 460,000 | $ 153,333 | $ 48,000 |
| Wichita Falls, TX | 3 | $ 429,000 | $ 143,000 | $ 116,000 |
| Winchester, VA-WV | 3 | $ 686,000 | $ 228,666 | $ 66,666 |
| Altoona, PA | 2 | $ 246,000 | $ 123,000 | $ 65,000 |
| Ames, IA | 2 | $ 343,000 | $ 171,500 | $ 95,000 |
| Anderson, IN | 2 | $ 215,000 | $ 107,500 | $ 32,000 |
| Anniston-Oxford, AL | 2 | $ 259,000 | $ 129,500 | $ 81,000 |
| Battle Creek, MI | 2 | $ 210,000 | $ 105,000 | $ 16,000 |
| Bismarck, ND | 2 | $ 363,000 | $ 181,500 | $ 63,000 |
| Bloomington, IN | 2 | $ 187,000 | $ 93,500 | $ 65,000 |
| Columbus, IN | 2 | $ 338,000 | $ 169,000 | $ 64,000 |
| Cumberland, MD-WV | 2 | $ 407,000 | $ 203,500 | $ 82,000 |
| Danville, VA | 2 | $ 282,000 | $ 141,000 | $ 33,000 |
| Gadsden, AL | 2 | $ 157,000 | $ 78,500 | $ 48,000 |
| Hot Springs, AR | 2 | $ 228,000 | $ 114,000 | $ 17,000 |
| Jackson, TN | 2 | $ 280,000 | $ 140,000 | $ 33,000 |
| Kokomo, IN | 2 | $ 471,000 | $ 235,500 | $ 92,000 |
| Lafayette, IN | 2 | $ 287,000 | $ 143,500 | $ 56,000 |
| Lincoln, NE | 2 | $ 281,000 | $ 140,500 | $ 1,065,000 |
| Pascagoula, MS | 2 | $ 329,000 | $ 164,500 | $ 83,000 |
| Racine, WI | 2 | $ 205,000 | $ 102,500 | $ 66,000 |
| Rochester, MN | 2 | $ 203,000 | $ 101,500 | $ 34,000 |
| Sumter, SC | 2 | $ 349,000 | $ 174,500 | $ 119,000 |
| Topeka, KS | 2 | $ 81,000 | $ 40,500 | $ 32,000 |
| Utica-Rome, NY | 2 | $ 168,000 | $ 84,000 | $ 60,000 |
| Akron, OH | 1 | $ 108,000 | $ 108,000 | $ 29,000 |
| Billings, MT | 1 | $ 237,000 | $ 237,000 | $ 48,000 |
| Canton-Massillon, OH | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| Carson City, NV | 1 | $ 163,000 | $ 163,000 | $ 86,000 |
| Casper, WY | 1 | $ 99,000 | $ 99,000 | $ 69,000 |
| Cedar Rapids, IA | 1 | $ 176,000 | $ 176,000 | $ 108,000 |
| Charleston, WV | 1 | $ 256,000 | $ 256,000 | $ 109,000 |
| Dalton, GA | 1 | $ 189,000 | $ 189,000 | $ 81,000 |
| Danville, IL | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| Fond Du Lac, WI | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Green Bay, WI | 1 | $ 250,000 | $ 250,000 | $ 134,000 |
| Janesville, WI | 1 | $ 154,000 | $ 154,000 | $ 81,000 |
| Jefferson City, MO | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Jonesboro, AR | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| Lancaster, PA | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| Lebanon, PA | 1 | $ 178,000 | $ 178,000 | $ 95,000 |
| Lima, OH | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Madison, WI | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Mansfield, OH | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| Pocatello, ID | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| Rochester, NY | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Sheboygan, WI | 1 | $ 393,000 | $ 393,000 | $ 255,000 |
| Springfield, IL | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| Springfield, OH | 1 | $ 74,000 | $ 74,000 | $ 73,000 |
| Toledo, OH | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Yuma, AZ | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2008
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 | 27,490 | $5,887,856,000 | $214,000 | $30,775,000 | $85,000 | $3,140,000 |
| Refinancing | 13,757 | $3,260,805,000 | $237,000 | $3,022,000 | $97,000 | $6,403,000 |
| Home Improvement | 2,730 | $129,726,000 | $47,000 | $420,000 | $127,000 | $1,626,000 |
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 | 30,595 | $6,351,526,000 | $207,000 | $3,000,000 | $97,000 | $3,140,000 |
| Hispanic | 5,319 | $988,360,000 | $185,000 | $3,022,000 | $69,000 | $883,000 |
| Black or African American | 3,348 | $574,993,000 | $171,000 | $1,139,000 | $67,000 | $6,403,000 |
| Not Provided | 2,509 | $515,784,000 | $205,000 | $1,500,000 | $90,000 | $1,380,000 |
| Asian | 1,890 | $502,513,000 | $265,000 | $1,200,000 | $101,000 | $887,000 |
| Native Hawaiian or Other Pacific Islander | 164 | $43,944,000 | $267,000 | $626,000 | $112,000 | $693,000 |
| American Indian or Alaskan Native | 138 | $28,509,000 | $206,000 | $989,000 | $79,000 | $792,000 |
| Not applicable | 14 | $272,758,000 | $19,482,000 | $30,775,000 | $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) | 25,752 | $5,896,794,000 | $228,000 | $30,775,000 | $110,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 16,018 | $2,902,730,000 | $181,000 | $3,022,000 | $64,000 | $6,403,000 |
| VA-guaranteed (Veterans Administration) | 2,139 | $467,374,000 | $218,000 | $989,000 | $66,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $11,489,000 | $168,000 | $511,000 | $55,000 | $170,000 |
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 | 41,255 | $8,820,667,000 | $213,000 | $3,022,000 | $88,000 | $6,403,000 |
| Application Denied By Financial Institution | 1,413 | $76,555,000 | $54,000 | $1,680,000 | $122,000 | $1,626,000 |
| Loan Originated | 930 | $312,366,000 | $335,000 | $30,775,000 | $131,000 | $960,000 |
| Application Withdrawn By Applicant | 274 | $11,943,000 | $43,000 | $152,000 | $137,000 | $540,000 |
| Application Approved But Not Accepted | 77 | $30,751,000 | $399,000 | $2,015,000 | $177,000 | $1,080,000 |
| File Closed For Incompleteness | 28 | $26,105,000 | $932,000 | $2,660,000 | $271,000 | $1,209,000 |
| 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 | 495 | $22,123,000 | $44,000 | $1,230,000 | $100,000 | $540,000 |
| Collateral | 422 | $23,430,000 | $55,000 | $1,500,000 | $136,000 | $1,626,000 |
| Other | 212 | $12,897,000 | $60,000 | $1,680,000 | $148,000 | $1,229,000 |
| Credit Application Incomplete | 162 | $6,769,000 | $41,000 | $110,000 | $132,000 | $600,000 |
| Debt-To-Income Ratio | 102 | $8,193,000 | $80,000 | $1,035,000 | $99,000 | $480,000 |
| Unverifiable Information | 18 | $2,557,000 | $142,000 | $1,470,000 | $136,000 | $480,000 |
| Employment History | 2 | $586,000 | $293,000 | $559,000 | $112,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2008 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About