Guaranty Bank Mortgage Lending & HMDA Data, 2005
In 2005, Guaranty Bank of Dallas, TX reported 33,413 mortgage applications totaling $7.6 billion, up 202% from 2004. The average application was for $228,646, and applicants reported an average income of $87,300. 28% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,744), Phoenix-Mesa-Scottsdale, AZ (1,678) and Los Angeles-Long Beach-Glendale, CA (1,667) (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 | 33,413 |
| Total Mortgage Loan Application Amount | $7,639,755,000 |
| Average Mortgage Loan Application Amount | $228,646 |
| Highest Mortgage Loan Application Amount | $32,800,000 |
| Average Applicant Income | $87,300 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 1,744 | $ 474,698,000 | $ 272,189 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,678 | $ 328,348,000 | $ 195,678 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,667 | $ 645,185,000 | $ 387,033 | $ 126,000 |
| Chicago-Naperville-Joliet, IL | 1,636 | $ 389,100,000 | $ 237,836 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,218 | $ 532,040,000 | $ 436,814 | $ 120,000 |
| Houston-Baytown-Sugar Land, TX | 953 | $ 123,993,000 | $ 130,108 | $ 64,000 |
| Salt Lake City, UT | 946 | $ 125,564,000 | $ 132,731 | $ 77,000 |
| Dallas-Plano-Irving, TX | 933 | $ 106,170,000 | $ 113,794 | $ 103,000 |
| Santa Ana-Anaheim-Irvine, CA | 838 | $ 387,617,000 | $ 462,550 | $ 142,000 |
| Asheville, NC | 716 | $ 114,627,000 | $ 160,093 | $ 39,000 |
| Orlando, FL | 714 | $ 184,206,000 | $ 257,991 | $ 90,000 |
| Greensboro-High Point, NC | 651 | $ 96,714,000 | $ 148,562 | $ 46,000 |
| San Antonio, TX | 636 | $ 68,860,000 | $ 108,270 | $ 78,000 |
| Charlotte-Gastonia-Concord, NC-SC | 632 | $ 86,858,000 | $ 137,433 | $ 44,000 |
| Warren-Farmington Hills-Troy, MI | 629 | $ 94,612,000 | $ 150,416 | $ 52,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 625 | $ 126,409,000 | $ 202,254 | $ 82,000 |
| Las Vegas-Paradise, NV | 507 | $ 123,772,000 | $ 244,126 | $ 104,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 450 | $ 133,950,000 | $ 297,666 | $ 102,000 |
| Austin-Round Rock, TX | 410 | $ 76,657,000 | $ 186,968 | $ 72,000 |
| Colorado Springs, CO | 408 | $ 76,914,000 | $ 188,514 | $ 69,000 |
| Oakland-Fremont-Hayward, CA | 406 | $ 174,409,000 | $ 429,578 | $ 126,000 |
| Fort Worth-Arlington, TX | 356 | $ 40,503,000 | $ 113,772 | $ 89,000 |
| Atlanta-Sandy Springs-Marietta, GA | 328 | $ 55,835,000 | $ 170,228 | $ 91,000 |
| Indianapolis, IN | 294 | $ 36,880,000 | $ 125,442 | $ 53,000 |
| Denver-Aurora, CO | 264 | $ 56,681,000 | $ 214,700 | $ 79,000 |
| Baltimore-Towson, MD | 253 | $ 53,199,000 | $ 210,272 | $ 91,000 |
| Detroit-Livonia-Dearborn, MI | 231 | $ 32,310,000 | $ 139,870 | $ 62,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 217 | $ 104,389,000 | $ 481,055 | $ 142,000 |
| Miami-Miami Beach-Kendall, FL | 216 | $ 43,843,000 | $ 202,976 | $ 91,000 |
| Nashville-Davidson--Murfreesboro, TN | 205 | $ 30,797,000 | $ 150,229 | $ 74,000 |
| Ogden-Clearfield, UT | 199 | $ 24,079,000 | $ 121,000 | $ 49,000 |
| Provo-Orem, UT | 195 | $ 25,453,000 | $ 130,528 | $ 52,000 |
| Stockton, CA | 192 | $ 57,098,000 | $ 297,385 | $ 88,000 |
| Tucson, AZ | 192 | $ 37,570,000 | $ 195,677 | $ 68,000 |
| Killeen-Temple-Fort Hood, TX | 188 | $ 18,805,000 | $ 100,026 | $ 62,000 |
| Milwaukee-Waukesha-West Allis, WI | 177 | $ 26,568,000 | $ 150,101 | $ 69,000 |
| Raleigh-Cary, NC | 169 | $ 43,291,000 | $ 256,159 | $ 55,000 |
| Oklahoma City, OK | 158 | $ 16,849,000 | $ 106,639 | $ 58,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 150 | $ 26,119,000 | $ 174,126 | $ 80,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 148 | $ 66,536,000 | $ 449,567 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 140 | $ 29,934,000 | $ 213,814 | $ 112,000 |
| Bethesda-Frederick-Gaithersburg, MD | 139 | $ 39,264,000 | $ 282,474 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 124 | $ 32,981,000 | $ 265,975 | $ 94,000 |
| Green Bay, WI | 116 | $ 14,158,000 | $ 122,051 | $ 48,000 |
| Gary, IN | 115 | $ 13,664,000 | $ 118,817 | $ 64,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 109 | $ 27,528,000 | $ 252,550 | $ 131,000 |
| Springfield, MO | 108 | $ 12,318,000 | $ 114,055 | $ 43,000 |
| Baton Rouge, LA | 104 | $ 10,084,000 | $ 96,961 | $ 42,000 |
| Edison, NJ | 104 | $ 31,399,000 | $ 301,913 | $ 128,000 |
| Lakeland, FL | 103 | $ 14,323,000 | $ 139,058 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 100 | $ 28,727,000 | $ 287,270 | $ 95,000 |
| San Francisco-San Mateo-Redwood City, CA | 99 | $ 74,165,000 | $ 749,141 | $ 154,000 |
| Louisville, KY-IN | 97 | $ 16,511,000 | $ 170,216 | $ 84,000 |
| Flint, MI | 96 | $ 11,911,000 | $ 124,072 | $ 35,000 |
| Modesto, CA | 93 | $ 22,648,000 | $ 243,526 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 91 | $ 65,856,000 | $ 723,692 | $ 100,000 |
| Fresno, CA | 86 | $ 18,474,000 | $ 214,813 | $ 88,000 |
| New Orleans-Metairie-Kenner, LA | 85 | $ 10,399,000 | $ 122,341 | $ 81,000 |
| Akron, OH | 82 | $ 8,693,000 | $ 106,012 | $ 40,000 |
| St. George, UT | 82 | $ 16,720,000 | $ 203,902 | $ 90,000 |
| Lafayette, LA | 80 | $ 8,461,000 | $ 105,762 | $ 42,000 |
| Lynchburg, VA | 80 | $ 9,194,000 | $ 114,925 | $ 56,000 |
| Santa Rosa-Petaluma, CA | 79 | $ 33,384,000 | $ 422,582 | $ 132,000 |
| Durham, NC | 78 | $ 14,539,000 | $ 186,397 | $ 77,000 |
| Hartford-West Hartford-East Hartford, CT | 77 | $ 15,230,000 | $ 197,792 | $ 90,000 |
| Muncie, IN | 75 | $ 5,705,000 | $ 76,066 | $ 42,000 |
| Anchorage, AK | 73 | $ 13,321,000 | $ 182,479 | $ 42,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 73 | $ 17,249,000 | $ 236,287 | $ 103,000 |
| Bakersfield, CA | 72 | $ 12,955,000 | $ 179,930 | $ 85,000 |
| Cambridge-Newton-Framingham, MA | 71 | $ 23,366,000 | $ 329,098 | $ 123,000 |
| Corpus Christi, TX | 68 | $ 5,620,000 | $ 82,647 | $ 67,000 |
| Portland-Vancouver-Beaverton, OR-WA | 67 | $ 11,114,000 | $ 165,880 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 66 | $ 26,624,000 | $ 403,393 | $ 83,000 |
| Richmond, VA | 65 | $ 11,635,000 | $ 179,000 | $ 78,000 |
| Sheboygan, WI | 65 | $ 7,676,000 | $ 118,092 | $ 53,000 |
| Philadelphia, PA | 64 | $ 13,690,000 | $ 213,906 | $ 112,000 |
| Bridgeport-Stamford-Norwalk, CT | 62 | $ 28,620,000 | $ 461,612 | $ 105,000 |
| Lansing-East Lansing, MI | 62 | $ 9,698,000 | $ 156,419 | $ 62,000 |
| New Haven-Milford, CT | 62 | $ 36,796,000 | $ 593,483 | $ 88,000 |
| Winston-Salem, NC | 60 | $ 7,451,000 | $ 124,183 | $ 63,000 |
| Honolulu, HI | 59 | $ 27,235,000 | $ 461,610 | $ 140,000 |
| Vallejo-Fairfield, CA | 59 | $ 20,305,000 | $ 344,152 | $ 101,000 |
| Memphis, TN-MS-AR | 58 | $ 13,342,000 | $ 230,034 | $ 78,000 |
| Naples-Marco Island, FL | 57 | $ 20,098,000 | $ 352,596 | $ 134,000 |
| New York-Wayne-White Plains, NY-NJ | 57 | $ 43,805,000 | $ 768,508 | $ 127,000 |
| Palm Bay-Melbourne-Titusville, FL | 57 | $ 9,762,000 | $ 171,263 | $ 85,000 |
| Tacoma, WA | 57 | $ 11,603,000 | $ 203,561 | $ 75,000 |
| College Station-Bryan, TX | 55 | $ 5,087,000 | $ 92,490 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 54 | $ 9,482,000 | $ 175,592 | $ 76,000 |
| Jacksonville, FL | 51 | $ 9,119,000 | $ 178,803 | $ 129,000 |
| Beaumont-Port Arthur, TX | 50 | $ 2,938,000 | $ 58,760 | $ 46,000 |
| Greeley, CO | 48 | $ 7,716,000 | $ 160,750 | $ 90,000 |
| Saginaw-Saginaw Township North, MI | 48 | $ 4,851,000 | $ 101,062 | $ 29,000 |
| Waco, TX | 48 | $ 4,699,000 | $ 97,895 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 47 | $ 8,100,000 | $ 172,340 | $ 134,000 |
| Ann Arbor, MI | 45 | $ 6,910,000 | $ 153,555 | $ 95,000 |
| Boston-Quincy, MA | 45 | $ 15,024,000 | $ 333,866 | $ 131,000 |
| Kalamazoo-Portage, MI | 44 | $ 5,428,000 | $ 123,363 | $ 45,000 |
| Joplin, MO | 43 | $ 3,976,000 | $ 92,465 | $ 71,000 |
| Augusta-Richmond County, GA-SC | 42 | $ 5,154,000 | $ 122,714 | $ 65,000 |
| Columbus, OH | 41 | $ 5,957,000 | $ 145,292 | $ 39,000 |
| Birmingham-Hoover, AL | 37 | $ 9,504,000 | $ 256,864 | $ 56,000 |
| Grand Rapids-Wyoming, MI | 37 | $ 11,451,000 | $ 309,486 | $ 58,000 |
| Fort Wayne, IN | 36 | $ 3,714,000 | $ 103,166 | $ 41,000 |
| Dayton, OH | 34 | $ 3,556,000 | $ 104,588 | $ 47,000 |
| McAllen-Edinburg-Pharr, TX | 34 | $ 3,180,000 | $ 93,529 | $ 51,000 |
| Appleton, WI | 33 | $ 4,093,000 | $ 124,030 | $ 57,000 |
| Providence-New Bedford-Fall River, RI-MA | 33 | $ 6,424,000 | $ 194,666 | $ 88,000 |
| Nassau-Suffolk, NY | 32 | $ 7,591,000 | $ 237,218 | $ 116,000 |
| Merced, CA | 31 | $ 7,608,000 | $ 245,419 | $ 103,000 |
| Little Rock-North Little Rock, AR | 30 | $ 3,325,000 | $ 110,833 | $ 54,000 |
| Hickory-Lenoir-Morganton, NC | 28 | $ 3,259,000 | $ 116,392 | $ 64,000 |
| Burlington, NC | 27 | $ 2,541,000 | $ 94,111 | $ 57,000 |
| Canton-Massillon, OH | 27 | $ 2,736,000 | $ 101,333 | $ 42,000 |
| El Paso, TX | 25 | $ 2,455,000 | $ 98,200 | $ 73,000 |
| Lake Charles, LA | 24 | $ 1,857,000 | $ 77,375 | $ 47,000 |
| Fort Collins-Loveland, CO | 22 | $ 2,858,000 | $ 129,909 | $ 74,000 |
| Reno-Sparks, NV | 22 | $ 5,680,000 | $ 258,181 | $ 96,000 |
| St. Louis, MO-IL | 22 | $ 22,263,000 | $ 1,011,954 | $ 125,000 |
| Visalia-Porterville, CA | 22 | $ 3,793,000 | $ 172,409 | $ 72,000 |
| Wilmington, DE-MD-NJ | 22 | $ 3,819,000 | $ 173,590 | $ 24,000 |
| Wilmington, NC | 22 | $ 8,649,000 | $ 393,136 | $ 126,000 |
| Cleveland-Elyria-Mentor, OH | 21 | $ 7,885,000 | $ 375,476 | $ 48,000 |
| El Centro, CA | 21 | $ 3,780,000 | $ 180,000 | $ 86,000 |
| Dalton, GA | 20 | $ 2,330,000 | $ 116,500 | $ 71,000 |
| Port St. Lucie-Fort Pierce, FL | 20 | $ 3,736,000 | $ 186,800 | $ 120,000 |
| Punta Gorda, FL | 20 | $ 3,025,000 | $ 151,250 | $ 61,000 |
| Rockingham County-Strafford County, NH | 20 | $ 7,033,000 | $ 351,650 | $ 131,000 |
| Tulsa, OK | 20 | $ 15,855,000 | $ 792,750 | $ 93,000 |
| Alexandria, LA | 19 | $ 2,818,000 | $ 148,315 | $ 53,000 |
| Boulder, CO | 19 | $ 21,941,000 | $ 1,154,789 | $ 92,000 |
| Duluth, MN-WI | 19 | $ 2,414,000 | $ 127,052 | $ 60,000 |
| Essex County, MA | 19 | $ 4,957,000 | $ 260,894 | $ 105,000 |
| Hinesville-Fort Stewart, GA | 19 | $ 1,839,000 | $ 96,789 | $ 200,000 |
| Norwich-New London, CT | 19 | $ 3,428,000 | $ 180,421 | $ 79,000 |
| Yuma, AZ | 19 | $ 2,486,000 | $ 130,842 | $ 66,000 |
| Columbus, GA-AL | 18 | $ 2,453,000 | $ 136,277 | $ 49,000 |
| Kansas City, MO-KS | 18 | $ 2,166,000 | $ 120,333 | $ 91,000 |
| Newark-Union, NJ-PA | 18 | $ 3,760,000 | $ 208,888 | $ 117,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 2,687,000 | $ 158,058 | $ 71,000 |
| Jackson, MS | 17 | $ 1,717,000 | $ 101,000 | $ 51,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 17 | $ 2,354,000 | $ 138,470 | $ 120,000 |
| Napa, CA | 17 | $ 7,292,000 | $ 428,941 | $ 122,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,554,000 | $ 91,411 | $ 45,000 |
| Chico, CA | 16 | $ 3,843,000 | $ 240,187 | $ 78,000 |
| Longview, WA | 16 | $ 2,563,000 | $ 160,187 | $ 60,000 |
| Salinas, CA | 16 | $ 6,005,000 | $ 375,312 | $ 117,000 |
| Boise City-Nampa, ID | 15 | $ 2,225,000 | $ 148,333 | $ 121,000 |
| Brownsville-Harlingen, TX | 15 | $ 1,499,000 | $ 99,933 | $ 107,000 |
| Camden, NJ | 15 | $ 2,941,000 | $ 196,066 | $ 105,000 |
| Oshkosh-Neenah, WI | 15 | $ 1,141,000 | $ 76,066 | $ 45,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 7,531,000 | $ 502,066 | $ 287,000 |
| Springfield, MA | 15 | $ 3,505,000 | $ 233,666 | $ 1,181,000 |
| Worcester, MA | 15 | $ 3,745,000 | $ 249,666 | $ 142,000 |
| Dothan, AL | 14 | $ 1,953,000 | $ 139,500 | $ 64,000 |
| Houma-Bayou Cane-Thibodaux, LA | 14 | $ 1,476,000 | $ 105,428 | $ 58,000 |
| Niles-Benton Harbor, MI | 14 | $ 2,415,000 | $ 172,500 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 3,238,000 | $ 231,285 | $ 83,000 |
| Roanoke, VA | 14 | $ 1,580,000 | $ 112,857 | $ 50,000 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 1,828,000 | $ 140,615 | $ 49,000 |
| Fond Du Lac, WI | 13 | $ 1,829,000 | $ 140,692 | $ 52,000 |
| Longview, TX | 13 | $ 783,000 | $ 60,230 | $ 62,000 |
| Monroe, MI | 13 | $ 1,669,000 | $ 128,384 | $ 40,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 2,588,000 | $ 199,076 | $ 75,000 |
| Redding, CA | 13 | $ 2,124,000 | $ 163,384 | $ 72,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 6,203,000 | $ 477,153 | $ 179,000 |
| Savannah, GA | 13 | $ 2,014,000 | $ 154,923 | $ 69,000 |
| Yuba City, CA | 13 | $ 1,934,000 | $ 148,769 | $ 58,000 |
| Albuquerque, NM | 12 | $ 1,757,000 | $ 146,416 | $ 94,000 |
| Charleston-North Charleston, SC | 12 | $ 1,715,000 | $ 142,916 | $ 60,000 |
| Charlottesville, VA | 12 | $ 2,035,000 | $ 169,583 | $ 73,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 5,334,000 | $ 444,500 | $ 218,000 |
| Knoxville, TN | 12 | $ 1,678,000 | $ 139,833 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 12 | $ 1,634,000 | $ 136,166 | $ 67,000 |
| Tyler, TX | 12 | $ 1,145,000 | $ 95,416 | $ 112,000 |
| Vero Beach, FL | 12 | $ 2,291,000 | $ 190,916 | $ 115,000 |
| Huntsville, AL | 11 | $ 1,564,000 | $ 142,181 | $ 49,000 |
| Jackson, MI | 11 | $ 1,374,000 | $ 124,909 | $ 40,000 |
| Ocala, FL | 11 | $ 1,491,000 | $ 135,545 | $ 94,000 |
| Pittsfield, MA | 11 | $ 1,984,000 | $ 180,363 | $ 92,000 |
| Racine, WI | 11 | $ 1,636,000 | $ 148,727 | $ 72,000 |
| Anderson, IN | 10 | $ 823,000 | $ 82,300 | $ 55,000 |
| Eugene-Springfield, OR | 10 | $ 1,177,000 | $ 117,700 | $ 41,000 |
| Greenville, SC | 10 | $ 18,166,000 | $ 1,816,600 | $ 152,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 2,139,000 | $ 213,900 | $ 114,000 |
| Holland-Grand Haven, MI | 10 | $ 1,615,000 | $ 161,500 | $ 71,000 |
| Lexington-Fayette, KY | 10 | $ 1,753,000 | $ 175,300 | $ 99,000 |
| Logan, UT-ID | 10 | $ 1,457,000 | $ 145,700 | $ 83,000 |
| Prescott, AZ | 10 | $ 2,308,000 | $ 230,800 | $ 123,000 |
| Pueblo, CO | 10 | $ 1,227,000 | $ 122,700 | $ 30,000 |
| Rochester, MN | 10 | $ 1,218,000 | $ 121,800 | $ 60,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 10 | $ 4,203,000 | $ 420,300 | $ 185,000 |
| St. Cloud, MN | 10 | $ 1,222,000 | $ 122,200 | $ 86,000 |
| York-Hanover, PA | 10 | $ 1,259,000 | $ 125,900 | $ 81,000 |
| Battle Creek, MI | 9 | $ 936,000 | $ 104,000 | $ 62,000 |
| Elizabethtown, KY | 9 | $ 1,384,000 | $ 153,777 | $ 55,000 |
| Barnstable Town, MA | 8 | $ 2,465,000 | $ 308,125 | $ 138,000 |
| Brunswick, GA | 8 | $ 1,254,000 | $ 156,750 | $ 78,000 |
| Gainesville, FL | 8 | $ 1,016,000 | $ 127,000 | $ 84,000 |
| Janesville, WI | 8 | $ 771,000 | $ 96,375 | $ 54,000 |
| Madison, WI | 8 | $ 1,204,000 | $ 150,500 | $ 61,000 |
| Montgomery, AL | 8 | $ 978,000 | $ 122,250 | $ 52,000 |
| Olympia, WA | 8 | $ 1,106,000 | $ 138,250 | $ 30,000 |
| Victoria, TX | 8 | $ 507,000 | $ 63,375 | $ 52,000 |
| Hanford-Corcoran, CA | 7 | $ 1,164,000 | $ 166,285 | $ 83,000 |
| Madera, CA | 7 | $ 1,668,000 | $ 238,285 | $ 94,000 |
| Tallahassee, FL | 7 | $ 1,046,000 | $ 149,428 | $ 79,000 |
| Auburn-Opelika, AL | 6 | $ 704,000 | $ 117,333 | $ 44,000 |
| Bay City, MI | 6 | $ 606,000 | $ 101,000 | $ 36,000 |
| Burlington-South Burlington, VT | 6 | $ 1,278,000 | $ 213,000 | $ 62,000 |
| Chattanooga, TN-GA | 6 | $ 638,000 | $ 106,333 | $ 63,000 |
| Des Moines, IA | 6 | $ 433,000 | $ 72,166 | $ 47,000 |
| Manchester-Nashua, NH | 6 | $ 997,000 | $ 166,166 | $ 96,000 |
| Peoria, IL | 6 | $ 828,000 | $ 138,000 | $ 73,000 |
| Reading, PA | 6 | $ 949,000 | $ 158,166 | $ 82,000 |
| Toledo, OH | 6 | $ 739,000 | $ 123,166 | $ 54,000 |
| Bloomington, IN | 5 | $ 939,000 | $ 187,800 | $ 37,000 |
| Clarksville, TN-KY | 5 | $ 370,000 | $ 74,000 | $ 21,000 |
| Dover, DE | 5 | $ 860,000 | $ 172,000 | $ 14,000 |
| Eau Claire, WI | 5 | $ 715,000 | $ 143,000 | $ 131,000 |
| Fargo, ND-MN | 5 | $ 628,000 | $ 125,600 | $ 59,000 |
| Gainesville, GA | 5 | $ 911,000 | $ 182,200 | $ 68,000 |
| Harrisburg-Carlisle, PA | 5 | $ 797,000 | $ 159,400 | $ 62,000 |
| Harrisonburg, VA | 5 | $ 1,019,000 | $ 203,800 | $ 21,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 311,000 | $ 62,200 | $ 47,000 |
| Jackson, TN | 5 | $ 721,000 | $ 144,200 | $ 46,000 |
| Jacksonville, NC | 5 | $ 649,000 | $ 129,800 | $ 38,000 |
| Kankakee-Bradley, IL | 5 | $ 559,000 | $ 111,800 | $ 60,000 |
| Laredo, TX | 5 | $ 523,000 | $ 104,600 | $ 55,000 |
| Lubbock, TX | 5 | $ 691,000 | $ 138,200 | $ 64,000 |
| Salem, OR | 5 | $ 1,107,000 | $ 221,400 | $ 66,000 |
| Spokane, WA | 5 | $ 909,000 | $ 181,800 | $ 74,000 |
| Springfield, OH | 5 | $ 584,000 | $ 116,800 | $ 29,000 |
| Bellingham, WA | 4 | $ 1,087,000 | $ 271,750 | $ 111,000 |
| Bloomington-Normal, IL | 4 | $ 493,000 | $ 123,250 | $ 119,000 |
| Bremerton-Silverdale, WA | 4 | $ 714,000 | $ 178,500 | $ 52,000 |
| Casper, WY | 4 | $ 259,000 | $ 64,750 | $ 321,000 |
| Columbia, SC | 4 | $ 555,000 | $ 138,750 | $ 69,000 |
| Fayetteville, NC | 4 | $ 540,000 | $ 135,000 | $ 45,000 |
| Grand Junction, CO | 4 | $ 609,000 | $ 152,250 | $ 53,000 |
| Hot Springs, AR | 4 | $ 664,000 | $ 166,000 | $ 71,000 |
| Idaho Falls, ID | 4 | $ 228,000 | $ 57,000 | $ 75,000 |
| Mansfield, OH | 4 | $ 561,000 | $ 140,250 | $ 33,000 |
| Medford, OR | 4 | $ 674,000 | $ 168,500 | $ 75,000 |
| Ocean City, NJ | 4 | $ 930,000 | $ 232,500 | $ 177,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 743,000 | $ 185,750 | $ 69,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 875,000 | $ 218,750 | $ 62,000 |
| Rockford, IL | 4 | $ 538,000 | $ 134,500 | $ 62,000 |
| Shreveport-Bossier City, LA | 4 | $ 401,000 | $ 100,250 | $ 54,000 |
| Sioux Falls, SD | 4 | $ 432,000 | $ 108,000 | $ 78,000 |
| Terre Haute, IN | 4 | $ 407,000 | $ 101,750 | $ 47,000 |
| Winchester, VA-WV | 4 | $ 286,000 | $ 71,500 | $ 100,000 |
| Athens-Clarke County, GA | 3 | $ 13,602,000 | $ 4,534,000 | $ 54,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 358,000 | $ 119,333 | $ 32,000 |
| Cheyenne, WY | 3 | $ 442,000 | $ 147,333 | $ 46,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 169,000 | $ 56,333 | $ 41,000 |
| Decatur, AL | 3 | $ 307,000 | $ 102,333 | $ 80,000 |
| Evansville, IN-KY | 3 | $ 305,000 | $ 101,666 | $ 91,000 |
| Flagstaff, AZ | 3 | $ 646,000 | $ 215,333 | $ 117,000 |
| Grand Forks, ND-MN | 3 | $ 112,000 | $ 37,333 | $ 141,000 |
| Hattiesburg, MS | 3 | $ 188,000 | $ 62,666 | $ 78,000 |
| La Crosse, WI-MN | 3 | $ 353,000 | $ 117,666 | $ 89,000 |
| Lawton, OK | 3 | $ 205,000 | $ 68,333 | $ 59,000 |
| Michigan City-La Porte, IN | 3 | $ 522,000 | $ 174,000 | $ 35,000 |
| Mobile, AL | 3 | $ 298,000 | $ 99,333 | $ 41,000 |
| Pittsburgh, PA | 3 | $ 660,000 | $ 220,000 | $ 115,000 |
| Trenton-Ewing, NJ | 3 | $ 875,000 | $ 291,666 | $ 177,000 |
| Wheeling, WV-OH | 3 | $ 170,000 | $ 56,666 | $ 28,000 |
| Wichita Falls, TX | 3 | $ 151,000 | $ 50,333 | $ 46,000 |
| Amarillo, TX | 2 | $ 65,000 | $ 32,500 | $ 80,000 |
| Anniston-Oxford, AL | 2 | $ 144,000 | $ 72,000 | $ 30,000 |
| Atlantic City, NJ | 2 | $ 1,187,000 | $ 593,500 | $ 232,000 |
| Champaign-Urbana, IL | 2 | $ 268,000 | $ 134,000 | $ 62,000 |
| Charleston, WV | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Coeur D'Alene, ID | 2 | $ 348,000 | $ 174,000 | $ 50,000 |
| Danville, VA | 2 | $ 128,000 | $ 64,000 | $ 35,000 |
| Elkhart-Goshen, IN | 2 | $ 149,000 | $ 74,500 | $ 32,000 |
| Jonesboro, AR | 2 | $ 285,000 | $ 142,500 | $ 66,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 152,000 | $ 76,000 | $ 29,000 |
| Las Cruces, NM | 2 | $ 913,000 | $ 456,500 | $ 25,000 |
| Monroe, LA | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Muskegon-Norton Shores, MI | 2 | $ 317,000 | $ 158,500 | $ 41,000 |
| Rocky Mount, NC | 2 | $ 283,000 | $ 141,500 | $ 80,000 |
| San Angelo, TX | 2 | $ 189,000 | $ 94,500 | $ 43,000 |
| Tuscaloosa, AL | 2 | $ 213,000 | $ 106,500 | $ 26,000 |
| Wausau, WI | 2 | $ 211,000 | $ 105,500 | $ 29,000 |
| Abilene, TX | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
| Anderson, SC | 1 | $ 175,000 | $ 175,000 | $ 140,000 |
| Bangor, ME | 1 | $ 262,000 | $ 262,000 | $ 190,000 |
| Bend, OR | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 270,000 | $ 270,000 | $ 144,000 |
| Cedar Rapids, IA | 1 | $ 38,000 | $ 38,000 | $ 21,000 |
| Cleveland, TN | 1 | $ 290,000 | $ 290,000 | $ 75,000 |
| Corvallis, OR | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
| Danville, IL | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Fairbanks, AK | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 41,000 | $ 41,000 | $ 17,000 |
| Greenville, NC | 1 | $ 72,000 | $ 72,000 | $ 158,000 |
| Gulfport-Biloxi, MS | 1 | $ 71,000 | $ 71,000 | $ 82,000 |
| Johnson City, TN | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 72,000 | $ 72,000 | $ 22,000 |
| Lafayette, IN | 1 | $ 71,000 | $ 71,000 | $ 56,000 |
| Macon, GA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Midland, TX | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Owensboro, KY | 1 | $ 66,000 | $ 66,000 | $ 90,000 |
| Panama City-Lynn Haven, FL | 1 | $ 271,000 | $ 271,000 | $ 173,000 |
| Pocatello, ID | 1 | $ 131,000 | $ 131,000 | $ 72,000 |
| Rapid City, SD | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Santa Fe, NM | 1 | $ 272,000 | $ 272,000 | $ 59,000 |
| Sioux City, IA-NE-SD | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Sumter, SC | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 26,000 | $ 26,000 | $ 58,000 |
| Wichita, KS | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Williamsport, PA | 1 | $ 281,000 | $ 281,000 | $ 69,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 131,000 | $ 131,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2005
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 | 20,773 | $4,378,181,000 | $213,730 | $23,763,000 | $89,038 | $9,999,000 |
| Refinancing | 12,241 | $3,157,365,000 | $200,750 | $32,800,000 | $79,192 | $4,300,000 |
| Home Improvement | 399 | $104,209,000 | $237,838 | $2,800,000 | $124,838 | $9,999,000 |
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 | 21,665 | $4,458,923,000 | $187,942 | $3,530,000 | $86,923 | $9,999,000 |
| Hispanic | 4,368 | $923,457,000 | $174,714 | $4,141,000 | $66,904 | $1,323,000 |
| Not Provided | 2,925 | $680,140,000 | $189,250 | $2,000,000 | $99,340 | $3,031,000 |
| Black or African American | 2,299 | $399,841,000 | $164,815 | $1,075,000 | $69,973 | $9,999,000 |
| Asian | 1,794 | $551,062,000 | $240,057 | $1,728,000 | $99,057 | $3,480,000 |
| Native Hawaiian or Other Pacific Islander | 182 | $58,635,000 | $209,043 | $1,177,000 | $84,608 | $594,000 |
| American Indian or Alaskan Native | 111 | $24,028,000 | $187,047 | $900,000 | $65,714 | $558,000 |
| Not applicable | 69 | $543,669,000 | $9,253,521 | $32,800,000 | $4,347 | $130,000 |
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) | 28,555 | $7,069,101,000 | $220,403 | $32,800,000 | $91,076 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 3,886 | $437,913,000 | $130,023 | $420,000 | $37,952 | $388,000 |
| VA-guaranteed (Veterans Administration) | 861 | $123,104,000 | $161,500 | $418,000 | $53,593 | $9,999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 111 | $9,637,000 | $100,250 | $296,000 | $40,250 | $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 | 16,337 | $3,198,450,000 | $181,692 | $4,141,000 | $79,826 | $9,999,000 |
| Loan Originated | 9,253 | $2,647,334,000 | $405,941 | $32,800,000 | $92,176 | $2,186,000 |
| Application Denied By Financial Institution | 5,059 | $1,215,480,000 | $194,240 | $3,530,000 | $88,780 | $9,999,000 |
| Application Approved But Not Accepted | 1,961 | $432,695,000 | $191,622 | $2,000,000 | $88,666 | $3,298,000 |
| File Closed For Incompleteness | 616 | $100,807,000 | $179,166 | $1,025,000 | $154,500 | $9,999,000 |
| Application Withdrawn By Applicant | 140 | $33,696,000 | $236,333 | $2,400,000 | $95,857 | $900,000 |
| Preapproval Approved but not Accepted | 42 | $9,907,000 | $235,000 | $986,000 | $65,000 | $316,000 |
| Preapproval Denied by Financial Institution | 5 | $1,386,000 | $277,000 | $464,000 | $70,000 | $105,000 |
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 | 1,536 | $295,410,000 | $180,883 | $3,530,000 | $72,162 | $1,328,000 |
| Debt-To-Income Ratio | 976 | $225,442,000 | $201,594 | $2,000,000 | $68,837 | $1,544,000 |
| Other | 611 | $146,839,000 | $208,150 | $2,400,000 | $97,800 | $1,482,000 |
| Unverifiable Information | 550 | $172,734,000 | $208,216 | $2,000,000 | $93,324 | $1,164,000 |
| Collateral | 525 | $151,149,000 | $247,361 | $2,800,000 | $122,222 | $9,999,000 |
| Credit Application Incomplete | 477 | $114,472,000 | $185,447 | $2,495,000 | $87,684 | $720,000 |
| Employment History | 248 | $69,010,000 | $238,406 | $1,177,000 | $100,156 | $604,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 125 | $33,409,000 | $245,545 | $991,000 | $122,636 | $452,000 |
| Mortgage Insurance Denied | 16 | $8,401,000 | $426,000 | $1,728,000 | $195,000 | $600,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2005 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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