Guaranty Bank Mortgage Lending & HMDA Data, 2004
In 2004, Guaranty Bank of Dallas, TX reported 11,076 mortgage applications totaling $2.7 billion, down 53% from 2003. The average application was for $247,151, and applicants reported an average income of $94,910. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (650), San Diego-Carlsbad-San Marcos, CA (633) and Greensboro-High Point, NC (561) (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 | 11,076 |
| Total Mortgage Loan Application Amount | $2,737,451,000 |
| Average Mortgage Loan Application Amount | $247,151 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $94,910 |
| Highest Applicant Income | $2,400,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 650 | $ 262,056,000 | $ 403,163 | $ 122,000 |
| San Diego-Carlsbad-San Marcos, CA | 633 | $ 254,146,000 | $ 401,494 | $ 123,000 |
| Greensboro-High Point, NC | 561 | $ 81,533,000 | $ 145,335 | $ 65,000 |
| Charlotte-Gastonia-Concord, NC-SC | 531 | $ 76,465,000 | $ 144,001 | $ 61,000 |
| Santa Ana-Anaheim-Irvine, CA | 531 | $ 244,066,000 | $ 459,634 | $ 150,000 |
| Atlanta-Sandy Springs-Marietta, GA | 530 | $ 105,519,000 | $ 199,092 | $ 74,000 |
| Riverside-San Bernardino-Ontario, CA | 510 | $ 137,276,000 | $ 269,168 | $ 92,000 |
| Phoenix-Mesa-Scottsdale, AZ | 441 | $ 84,653,000 | $ 191,956 | $ 70,000 |
| Asheville, NC | 440 | $ 68,306,000 | $ 155,240 | $ 69,000 |
| Warren-Farmington Hills-Troy, MI | 207 | $ 35,854,000 | $ 173,207 | $ 66,000 |
| Las Vegas-Paradise, NV | 204 | $ 46,744,000 | $ 229,137 | $ 105,000 |
| Oakland-Fremont-Hayward, CA | 202 | $ 78,616,000 | $ 389,188 | $ 115,000 |
| Nashville-Davidson--Murfreesboro, TN | 199 | $ 30,361,000 | $ 152,567 | $ 67,000 |
| Houston-Baytown-Sugar Land, TX | 196 | $ 36,125,000 | $ 184,311 | $ 113,000 |
| Orlando, FL | 170 | $ 34,387,000 | $ 202,276 | $ 72,000 |
| Raleigh-Cary, NC | 158 | $ 27,107,000 | $ 171,563 | $ 77,000 |
| Salt Lake City, UT | 150 | $ 25,837,000 | $ 172,246 | $ 51,000 |
| Greenville, SC | 133 | $ 14,286,000 | $ 107,413 | $ 49,000 |
| Denver-Aurora, CO | 127 | $ 30,707,000 | $ 241,787 | $ 85,000 |
| Colorado Springs, CO | 114 | $ 21,192,000 | $ 185,894 | $ 58,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 114 | $ 35,775,000 | $ 313,815 | $ 114,000 |
| Dallas-Plano-Irving, TX | 103 | $ 23,965,000 | $ 232,669 | $ 133,000 |
| Baltimore-Towson, MD | 96 | $ 23,833,000 | $ 248,260 | $ 89,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 96 | $ 42,692,000 | $ 444,708 | $ 151,000 |
| Chicago-Naperville-Joliet, IL | 95 | $ 28,145,000 | $ 296,263 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 95 | $ 21,798,000 | $ 229,452 | $ 80,000 |
| Austin-Round Rock, TX | 93 | $ 17,597,000 | $ 189,215 | $ 103,000 |
| Winston-Salem, NC | 85 | $ 9,683,000 | $ 113,917 | $ 65,000 |
| Detroit-Livonia-Dearborn, MI | 80 | $ 11,992,000 | $ 149,900 | $ 62,000 |
| Santa Rosa-Petaluma, CA | 80 | $ 34,309,000 | $ 428,862 | $ 126,000 |
| Bethesda-Frederick-Gaithersburg, MD | 65 | $ 19,709,000 | $ 303,215 | $ 102,000 |
| Savannah, GA | 61 | $ 10,908,000 | $ 178,819 | $ 71,000 |
| Boston-Quincy, MA | 60 | $ 22,019,000 | $ 366,983 | $ 114,000 |
| Tucson, AZ | 60 | $ 11,433,000 | $ 190,550 | $ 89,000 |
| Fresno, CA | 59 | $ 13,744,000 | $ 232,949 | $ 99,000 |
| Stockton, CA | 59 | $ 17,541,000 | $ 297,305 | $ 99,000 |
| Cambridge-Newton-Framingham, MA | 58 | $ 19,540,000 | $ 336,896 | $ 92,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 55 | $ 24,995,000 | $ 454,454 | $ 111,000 |
| Jacksonville, FL | 53 | $ 10,086,000 | $ 190,301 | $ 97,000 |
| Reno-Sparks, NV | 52 | $ 12,450,000 | $ 239,423 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 51 | $ 29,064,000 | $ 569,882 | $ 152,000 |
| Edison, NJ | 48 | $ 15,399,000 | $ 320,812 | $ 137,000 |
| Hinesville-Fort Stewart, GA | 48 | $ 4,960,000 | $ 103,333 | $ 48,000 |
| Wilmington, DE-MD-NJ | 48 | $ 7,308,000 | $ 152,250 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 47 | $ 14,432,000 | $ 307,063 | $ 108,000 |
| Fort Worth-Arlington, TX | 45 | $ 8,148,000 | $ 181,066 | $ 78,000 |
| Richmond, VA | 45 | $ 8,328,000 | $ 185,066 | $ 85,000 |
| San Antonio, TX | 39 | $ 8,741,000 | $ 224,128 | $ 130,000 |
| Bridgeport-Stamford-Norwalk, CT | 36 | $ 13,898,000 | $ 386,055 | $ 185,000 |
| Cape Coral-Fort Myers, FL | 32 | $ 5,970,000 | $ 186,562 | $ 150,000 |
| Flint, MI | 31 | $ 5,075,000 | $ 163,709 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 31 | $ 7,150,000 | $ 230,645 | $ 110,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 30 | $ 5,043,000 | $ 168,100 | $ 75,000 |
| Modesto, CA | 30 | $ 8,548,000 | $ 284,933 | $ 105,000 |
| Essex County, MA | 29 | $ 10,223,000 | $ 352,517 | $ 147,000 |
| Miami-Miami Beach-Kendall, FL | 28 | $ 6,347,000 | $ 226,678 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 28 | $ 6,957,000 | $ 248,464 | $ 64,000 |
| Durham, NC | 25 | $ 4,416,000 | $ 176,640 | $ 91,000 |
| Vallejo-Fairfield, CA | 25 | $ 8,055,000 | $ 322,200 | $ 135,000 |
| Boulder, CO | 24 | $ 5,785,000 | $ 241,041 | $ 78,000 |
| Spartanburg, SC | 24 | $ 2,252,000 | $ 93,833 | $ 47,000 |
| Provo-Orem, UT | 23 | $ 4,762,000 | $ 207,043 | $ 49,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 23 | $ 6,733,000 | $ 292,739 | $ 144,000 |
| Milwaukee-Waukesha-West Allis, WI | 22 | $ 4,800,000 | $ 218,181 | $ 168,000 |
| Memphis, TN-MS-AR | 21 | $ 2,600,000 | $ 123,809 | $ 65,000 |
| Columbia, SC | 20 | $ 2,429,000 | $ 121,450 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 4,743,000 | $ 237,150 | $ 86,000 |
| Fort Collins-Loveland, CO | 19 | $ 3,637,000 | $ 191,421 | $ 74,000 |
| Honolulu, HI | 19 | $ 7,210,000 | $ 379,473 | $ 111,000 |
| Dayton, OH | 18 | $ 1,813,000 | $ 100,722 | $ 56,000 |
| Philadelphia, PA | 18 | $ 6,475,000 | $ 359,722 | $ 159,000 |
| Ann Arbor, MI | 17 | $ 4,173,000 | $ 245,470 | $ 62,000 |
| Brunswick, GA | 17 | $ 2,300,000 | $ 135,294 | $ 58,000 |
| New Haven-Milford, CT | 17 | $ 4,595,000 | $ 270,294 | $ 179,000 |
| Ogden-Clearfield, UT | 17 | $ 2,566,000 | $ 150,941 | $ 42,000 |
| Oklahoma City, OK | 17 | $ 2,492,000 | $ 146,588 | $ 67,000 |
| Oshkosh-Neenah, WI | 17 | $ 2,024,000 | $ 119,058 | $ 52,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 6,288,000 | $ 369,882 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 4,109,000 | $ 256,812 | $ 132,000 |
| New York-Wayne-White Plains, NY-NJ | 16 | $ 7,380,000 | $ 461,250 | $ 141,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 2,967,000 | $ 185,437 | $ 103,000 |
| Appleton, WI | 15 | $ 2,059,000 | $ 137,266 | $ 58,000 |
| Burlington, NC | 15 | $ 1,818,000 | $ 121,200 | $ 58,000 |
| Charleston-North Charleston, SC | 15 | $ 3,694,000 | $ 246,266 | $ 85,000 |
| Hickory-Lenoir-Morganton, NC | 15 | $ 1,889,000 | $ 125,933 | $ 64,000 |
| Port St. Lucie-Fort Pierce, FL | 15 | $ 3,089,000 | $ 205,933 | $ 137,000 |
| Portland-Vancouver-Beaverton, OR-WA | 14 | $ 3,556,000 | $ 254,000 | $ 140,000 |
| Merced, CA | 13 | $ 2,117,000 | $ 162,846 | $ 51,000 |
| Nassau-Suffolk, NY | 13 | $ 5,380,000 | $ 413,846 | $ 139,000 |
| Wilmington, NC | 13 | $ 4,612,000 | $ 354,769 | $ 354,000 |
| Worcester, MA | 13 | $ 3,309,000 | $ 254,538 | $ 91,000 |
| Anderson, SC | 12 | $ 1,394,000 | $ 116,166 | $ 39,000 |
| Bakersfield, CA | 12 | $ 1,919,000 | $ 159,916 | $ 89,000 |
| Kalamazoo-Portage, MI | 12 | $ 1,555,000 | $ 129,583 | $ 60,000 |
| Louisville, KY-IN | 12 | $ 1,939,000 | $ 161,583 | $ 66,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 2,373,000 | $ 197,750 | $ 127,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 3,768,000 | $ 342,545 | $ 132,000 |
| Lexington-Fayette, KY | 11 | $ 1,704,000 | $ 154,909 | $ 97,000 |
| Rockingham County-Strafford County, NH | 11 | $ 3,458,000 | $ 314,363 | $ 78,000 |
| Charlottesville, VA | 10 | $ 1,842,000 | $ 184,200 | $ 65,000 |
| Gainesville, GA | 10 | $ 2,037,000 | $ 203,700 | $ 121,000 |
| Lakeland, FL | 10 | $ 1,710,000 | $ 171,000 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 10 | $ 1,242,000 | $ 124,200 | $ 66,000 |
| Chico, CA | 9 | $ 1,772,000 | $ 196,888 | $ 45,000 |
| College Station-Bryan, TX | 9 | $ 950,000 | $ 105,555 | $ 44,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 2,060,000 | $ 228,888 | $ 101,000 |
| Indianapolis, IN | 9 | $ 1,735,000 | $ 192,777 | $ 82,000 |
| Manchester-Nashua, NH | 9 | $ 2,053,000 | $ 228,111 | $ 71,000 |
| Newark-Union, NJ-PA | 9 | $ 3,306,000 | $ 367,333 | $ 101,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 2,175,000 | $ 241,666 | $ 93,000 |
| Roanoke, VA | 9 | $ 1,455,000 | $ 161,666 | $ 86,000 |
| Tacoma, WA | 9 | $ 1,990,000 | $ 221,111 | $ 70,000 |
| Barnstable Town, MA | 8 | $ 2,178,000 | $ 272,250 | $ 121,000 |
| Greeley, CO | 8 | $ 1,823,000 | $ 227,875 | $ 72,000 |
| Jackson, MS | 8 | $ 1,328,000 | $ 166,000 | $ 75,000 |
| Birmingham-Hoover, AL | 7 | $ 1,207,000 | $ 172,428 | $ 71,000 |
| Knoxville, TN | 7 | $ 968,000 | $ 138,285 | $ 67,000 |
| Lansing-East Lansing, MI | 7 | $ 1,184,000 | $ 169,142 | $ 103,000 |
| Napa, CA | 7 | $ 3,501,000 | $ 500,142 | $ 128,000 |
| Santa Fe, NM | 7 | $ 2,704,000 | $ 386,285 | $ 137,000 |
| Anchorage, AK | 6 | $ 943,000 | $ 157,166 | $ 53,000 |
| Decatur, AL | 6 | $ 615,000 | $ 102,500 | $ 17,000 |
| Huntsville, AL | 6 | $ 710,000 | $ 118,333 | $ 90,000 |
| Longview, WA | 6 | $ 1,114,000 | $ 185,666 | $ 79,000 |
| Monroe, MI | 6 | $ 1,213,000 | $ 202,166 | $ 82,000 |
| Naples-Marco Island, FL | 6 | $ 1,627,000 | $ 271,166 | $ 108,000 |
| Pittsburgh, PA | 6 | $ 469,000 | $ 78,166 | $ 44,000 |
| Pueblo, CO | 6 | $ 541,000 | $ 90,166 | $ 43,000 |
| Punta Gorda, FL | 6 | $ 1,663,000 | $ 277,166 | $ 111,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 751,000 | $ 125,166 | $ 130,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 2,484,000 | $ 414,000 | $ 153,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 534,000 | $ 106,800 | $ 90,000 |
| Athens-Clarke County, GA | 5 | $ 979,000 | $ 195,800 | $ 94,000 |
| Des Moines, IA | 5 | $ 562,000 | $ 112,400 | $ 52,000 |
| Fayetteville, NC | 5 | $ 689,000 | $ 137,800 | $ 59,000 |
| McAllen-Edinburg-Pharr, TX | 5 | $ 494,000 | $ 98,800 | $ 39,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 1,396,000 | $ 279,200 | $ 146,000 |
| Wheeling, WV-OH | 5 | $ 357,000 | $ 71,400 | $ 48,000 |
| York-Hanover, PA | 5 | $ 782,000 | $ 156,400 | $ 75,000 |
| Camden, NJ | 4 | $ 956,000 | $ 239,000 | $ 255,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 925,000 | $ 231,250 | $ 135,000 |
| Columbus, GA-AL | 4 | $ 474,000 | $ 118,500 | $ 67,000 |
| Columbus, OH | 4 | $ 443,000 | $ 110,750 | $ 59,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Fond Du Lac, WI | 4 | $ 417,000 | $ 104,250 | $ 57,000 |
| Gary, IN | 4 | $ 468,000 | $ 117,000 | $ 38,000 |
| Green Bay, WI | 4 | $ 666,000 | $ 166,500 | $ 58,000 |
| Montgomery, AL | 4 | $ 508,000 | $ 127,000 | $ 67,000 |
| Olympia, WA | 4 | $ 896,000 | $ 224,000 | $ 43,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 790,000 | $ 197,500 | $ 63,000 |
| Prescott, AZ | 4 | $ 943,000 | $ 235,750 | $ 103,000 |
| Salinas, CA | 4 | $ 2,737,000 | $ 684,250 | $ 523,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 3,140,000 | $ 785,000 | $ 206,000 |
| St. George, UT | 4 | $ 465,000 | $ 116,250 | $ 80,000 |
| Vero Beach, FL | 4 | $ 509,000 | $ 127,250 | $ 57,000 |
| Visalia-Porterville, CA | 4 | $ 662,000 | $ 165,500 | $ 65,000 |
| Akron, OH | 3 | $ 214,000 | $ 71,333 | $ 35,000 |
| Evansville, IN-KY | 3 | $ 289,000 | $ 96,333 | $ 87,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 458,000 | $ 152,666 | $ 49,000 |
| Lynchburg, VA | 3 | $ 871,000 | $ 290,333 | $ 244,000 |
| Madera, CA | 3 | $ 719,000 | $ 239,666 | $ 62,000 |
| Redding, CA | 3 | $ 390,000 | $ 130,000 | $ 61,000 |
| Rochester, MN | 3 | $ 485,000 | $ 161,666 | $ 50,000 |
| Sheboygan, WI | 3 | $ 441,000 | $ 147,000 | $ 58,000 |
| Springfield, MO | 3 | $ 218,000 | $ 72,666 | $ 56,000 |
| St. Louis, MO-IL | 3 | $ 615,000 | $ 205,000 | $ 111,000 |
| Tallahassee, FL | 3 | $ 397,000 | $ 132,333 | $ 45,000 |
| Trenton-Ewing, NJ | 3 | $ 942,000 | $ 314,000 | $ 213,000 |
| Yuba City, CA | 3 | $ 513,000 | $ 171,000 | $ 75,000 |
| Albuquerque, NM | 2 | $ 538,000 | $ 269,000 | $ 96,000 |
| Anderson, IN | 2 | $ 292,000 | $ 146,000 | $ 91,000 |
| Baton Rouge, LA | 2 | $ 348,000 | $ 174,000 | $ 89,000 |
| Battle Creek, MI | 2 | $ 196,000 | $ 98,000 | $ 40,000 |
| Bay City, MI | 2 | $ 188,000 | $ 94,000 | $ 69,000 |
| Boise City-Nampa, ID | 2 | $ 287,000 | $ 143,500 | $ 94,000 |
| Cleveland, TN | 2 | $ 323,000 | $ 161,500 | $ 106,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 295,000 | $ 147,500 | $ 63,000 |
| Dalton, GA | 2 | $ 369,000 | $ 184,500 | $ 70,000 |
| Dothan, AL | 2 | $ 211,000 | $ 105,500 | $ 74,000 |
| Dover, DE | 2 | $ 444,000 | $ 222,000 | $ 65,000 |
| Fort Wayne, IN | 2 | $ 444,000 | $ 222,000 | $ 105,000 |
| Greenville, NC | 2 | $ 292,000 | $ 146,000 | $ 42,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 352,000 | $ 176,000 | $ 105,000 |
| Hanford-Corcoran, CA | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Holland-Grand Haven, MI | 2 | $ 192,000 | $ 96,000 | $ 48,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 199,000 | $ 99,500 | $ 57,000 |
| Jackson, TN | 2 | $ 333,000 | $ 166,500 | $ 56,000 |
| Johnson City, TN | 2 | $ 278,000 | $ 139,000 | $ 53,000 |
| Joplin, MO | 2 | $ 158,000 | $ 79,000 | $ 91,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 238,000 | $ 119,000 | $ 52,000 |
| Logan, UT-ID | 2 | $ 259,000 | $ 129,500 | $ 55,000 |
| Longview, TX | 2 | $ 380,000 | $ 190,000 | $ 119,000 |
| Madison, WI | 2 | $ 486,000 | $ 243,000 | $ 92,000 |
| Medford, OR | 2 | $ 510,000 | $ 255,000 | $ 118,000 |
| Mobile, AL | 2 | $ 989,000 | $ 494,500 | $ 168,000 |
| Muskegon-Norton Shores, MI | 2 | $ 509,000 | $ 254,500 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 370,000 | $ 185,000 | $ 108,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 254,000 | $ 127,000 | $ 54,000 |
| Norwich-New London, CT | 2 | $ 761,000 | $ 380,500 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 312,000 | $ 156,000 | $ 26,000 |
| Racine, WI | 2 | $ 393,000 | $ 196,500 | $ 61,000 |
| Rocky Mount, NC | 2 | $ 596,000 | $ 298,000 | $ 124,000 |
| Rome, GA | 2 | $ 467,000 | $ 233,500 | $ 80,000 |
| Spokane, WA | 2 | $ 593,000 | $ 296,500 | $ 38,000 |
| State College, PA | 2 | $ 177,000 | $ 88,500 | $ 59,000 |
| Terre Haute, IN | 2 | $ 247,000 | $ 123,500 | $ 54,000 |
| Toledo, OH | 2 | $ 453,000 | $ 226,500 | $ 202,000 |
| Tyler, TX | 2 | $ 229,000 | $ 114,500 | $ 60,000 |
| Waco, TX | 2 | $ 223,000 | $ 111,500 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 139,000 | $ 69,500 | $ 107,000 |
| Yuma, AZ | 2 | $ 237,000 | $ 118,500 | $ 118,000 |
| Atlantic City, NJ | 1 | $ 91,000 | $ 91,000 | $ 97,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Bremerton-Silverdale, WA | 1 | $ 334,000 | $ 334,000 | $ 85,000 |
| Brownsville-Harlingen, TX | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| Cedar Rapids, IA | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Charleston, WV | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Chattanooga, TN-GA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Cheyenne, WY | 1 | $ 362,000 | $ 362,000 | $ 119,000 |
| Coeur D'Alene, ID | 1 | $ 116,000 | $ 116,000 | $ 77,000 |
| Corpus Christi, TX | 1 | $ 124,000 | $ 124,000 | $ 41,000 |
| Duluth, MN-WI | 1 | $ 96,000 | $ 96,000 | $ 60,000 |
| El Centro, CA | 1 | $ 174,000 | $ 174,000 | $ 145,000 |
| El Paso, TX | 1 | $ 148,000 | $ 148,000 | $ 56,000 |
| Erie, PA | 1 | $ 99,000 | $ 99,000 | $ 50,000 |
| Eugene-Springfield, OR | 1 | $ 124,000 | $ 124,000 | $ 235,000 |
| Florence-Muscle Shoals, AL | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Goldsboro, NC | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| Grand Junction, CO | 1 | $ 158,000 | $ 158,000 | $ 101,000 |
| Great Falls, MT | 1 | $ 80,000 | $ 80,000 | $ 62,000 |
| Harrisburg-Carlisle, PA | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| Hattiesburg, MS | 1 | $ 98,000 | $ 98,000 | $ 24,000 |
| Jackson, MI | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Jacksonville, NC | 1 | $ 148,000 | $ 148,000 | $ 71,000 |
| Janesville, WI | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Kankakee-Bradley, IL | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Kansas City, MO-KS | 1 | $ 260,000 | $ 260,000 | $ 392,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 150,000 | $ 150,000 | $ 190,000 |
| Kokomo, IN | 1 | $ 199,000 | $ 199,000 | $ 37,000 |
| Lafayette, LA | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Little Rock-North Little Rock, AR | 1 | $ 552,000 | $ 552,000 | $ 166,000 |
| Macon, GA | 1 | $ 338,000 | $ 338,000 | $ 84,000 |
| Michigan City-La Porte, IN | 1 | $ 47,000 | $ 47,000 | $ 39,000 |
| Midland, TX | 1 | $ 132,000 | $ 132,000 | $ 80,000 |
| Missoula, MT | 1 | $ 114,000 | $ 114,000 | $ 130,000 |
| Ocala, FL | 1 | $ 96,000 | $ 96,000 | $ 71,000 |
| Ocean City, NJ | 1 | $ 1,460,000 | $ 1,460,000 | $ 1,132,000 |
| Odessa, TX | 1 | $ 56,000 | $ 56,000 | $ 41,000 |
| Panama City-Lynn Haven, FL | 1 | $ 102,000 | $ 102,000 | $ 81,000 |
| Parkersburg-Marietta, WV-OH | 1 | $ 72,000 | $ 72,000 | $ 87,000 |
| Pascagoula, MS | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Rapid City, SD | 1 | $ 109,000 | $ 109,000 | $ 87,000 |
| Springfield, MA | 1 | $ 110,000 | $ 110,000 | $ 132,000 |
| Springfield, OH | 1 | $ 34,000 | $ 34,000 | $ 27,000 |
| St. Cloud, MN | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Warner Robins, GA | 1 | $ 74,000 | $ 74,000 | $ 50,000 |
| Wichita, KS | 1 | $ 61,000 | $ 61,000 | $ 49,000 |
| Winchester, VA-WV | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2004
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 | 7,015 | $1,634,614,000 | $207,021 | $3,000,000 | $96,042 | $2,400,000 |
| Refinancing | 4,055 | $1,101,740,000 | $224,369 | $2,535,000 | $96,978 | $1,913,000 |
| Home Improvement | 6 | $1,097,000 | $185,250 | $314,000 | $62,250 | $150,000 |
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 | 7,986 | $1,939,330,000 | $220,041 | $2,535,000 | $99,291 | $2,006,000 |
| Hispanic | 914 | $230,111,000 | $191,700 | $1,430,000 | $60,400 | $548,000 |
| Not Provided | 863 | $228,439,000 | $217,323 | $3,000,000 | $109,558 | $2,400,000 |
| Asian | 606 | $188,938,000 | $287,142 | $1,500,000 | $103,678 | $1,300,000 |
| Black or African American | 561 | $110,559,000 | $177,892 | $1,000,000 | $71,821 | $720,000 |
| Native Hawaiian or Other Pacific Islander | 80 | $22,184,000 | $201,000 | $1,231,000 | $75,222 | $342,000 |
| Not applicable | 33 | $10,526,000 | $363,444 | $1,000,000 | $141,000 | $342,000 |
| American Indian or Alaskan Native | 33 | $7,364,000 | $161,833 | $680,000 | $66,416 | $394,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 10,048 | $2,609,265,000 | $216,770 | $3,000,000 | $98,937 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 834 | $100,741,000 | $126,227 | $295,000 | $47,863 | $941,000 |
| VA-guaranteed (Veterans Administration) | 185 | $25,875,000 | $141,866 | $327,000 | $56,600 | $385,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,570,000 | $171,000 | $247,000 | $55,166 | $103,000 |
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 | 11,062 | $2,731,296,000 | $212,854 | $3,000,000 | $95,020 | $2,400,000 |
| Loan Originated | 14 | $6,155,000 | $929,000 | $1,500,000 | $473,500 | $786,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2004 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.
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