Guaranty Bank Mortgage Lending & HMDA Data, 2006
In 2006, Guaranty Bank of Dallas, TX reported 21,136 mortgage applications totaling $6.2 billion, down 37% from 2005. The average application was for $291,454, and applicants reported an average income of $86,847. 3% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,739), Chicago-Naperville-Joliet, IL (2,337) and Charlotte-Gastonia-Concord, NC-SC (1,356) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank 8333 Douglas Avenue Dallas, TX 75225 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 21,136 |
| Total Mortgage Loan Application Amount | $6,160,180,000 |
| Average Mortgage Loan Application Amount | $291,454 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $86,847 |
| Highest Applicant Income | $7,840,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 2,739 | $ 717,393,000 | $ 261,917 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 2,337 | $ 620,386,000 | $ 265,462 | $ 93,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1,356 | $ 215,016,000 | $ 158,566 | $ 58,809 |
| Riverside-San Bernardino-Ontario, CA | 844 | $ 267,001,000 | $ 316,351 | $ 95,000 |
| Colorado Springs, CO | 773 | $ 185,584,000 | $ 240,082 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 578 | $ 248,181,000 | $ 429,378 | $ 117,000 |
| San Antonio, TX | 578 | $ 73,552,000 | $ 127,252 | $ 70,000 |
| Dallas-Plano-Irving, TX | 553 | $ 104,073,000 | $ 188,197 | $ 86,000 |
| Houston-Sugar Land-Baytown, TX | 529 | $ 84,419,000 | $ 159,582 | $ 107,000 |
| Las Vegas-Paradise, NV | 525 | $ 142,329,000 | $ 271,102 | $ 83,000 |
| Greensboro-High Point, NC | 489 | $ 82,454,000 | $ 168,617 | $ 83,000 |
| Asheville, NC | 434 | $ 76,947,000 | $ 177,297 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 433 | $ 219,872,000 | $ 507,787 | $ 142,000 |
| San Diego-Carlsbad-San Marcos, CA | 406 | $ 152,661,000 | $ 376,012 | $ 119,000 |
| Warren-Troy-Farmington Hills, MI | 351 | $ 56,444,000 | $ 160,809 | $ 62,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 350 | $ 122,697,000 | $ 350,562 | $ 108,000 |
| Nashville-Davidson--Murfreesboro, TN | 349 | $ 59,914,000 | $ 171,673 | $ 67,000 |
| Denver-Aurora, CO | 308 | $ 77,558,000 | $ 251,811 | $ 86,000 |
| Austin-Round Rock, TX | 276 | $ 52,492,000 | $ 190,188 | $ 102,000 |
| Oakland-Fremont-Hayward, CA | 266 | $ 125,728,000 | $ 472,661 | $ 120,000 |
| Salt Lake City, UT | 252 | $ 66,284,000 | $ 263,031 | $ 51,000 |
| Tucson, AZ | 236 | $ 54,400,000 | $ 230,508 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 226 | $ 120,734,000 | $ 534,221 | $ 116,712 |
| Fort Worth-Arlington, TX | 212 | $ 36,475,000 | $ 172,051 | $ 84,000 |
| Ogden-Clearfield, UT | 197 | $ 32,567,000 | $ 165,314 | $ 48,000 |
| Stockton, CA | 196 | $ 77,390,000 | $ 394,846 | $ 139,000 |
| Orlando-Kissimmee, FL | 176 | $ 47,213,000 | $ 268,255 | $ 113,000 |
| Atlanta-Sandy Springs-Marietta, GA | 169 | $ 35,595,000 | $ 210,621 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 169 | $ 42,829,000 | $ 253,426 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 144 | $ 37,447,000 | $ 260,048 | $ 71,000 |
| Modesto, CA | 127 | $ 42,441,000 | $ 334,181 | $ 104,000 |
| Detroit-Livonia-Dearborn, MI | 115 | $ 16,621,000 | $ 144,530 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 112 | $ 26,618,000 | $ 237,660 | $ 95,000 |
| Raleigh-Cary, NC | 103 | $ 21,602,000 | $ 209,728 | $ 100,000 |
| Baltimore-Towson, MD | 83 | $ 19,729,000 | $ 237,698 | $ 177,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 83 | $ 39,218,000 | $ 472,506 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 79 | $ 19,905,000 | $ 251,962 | $ 66,000 |
| Killeen-Temple-Fort Hood, TX | 78 | $ 9,469,000 | $ 121,397 | $ 64,000 |
| Indianapolis-Carmel, IN | 77 | $ 9,594,000 | $ 124,597 | $ 77,000 |
| Little Rock-North Little Rock, AR | 76 | $ 10,273,000 | $ 135,171 | $ 52,000 |
| Lake County-Kenosha County, IL-WI | 74 | $ 23,929,000 | $ 323,364 | $ 116,364 |
| Jacksonville, FL | 68 | $ 13,751,000 | $ 202,220 | $ 82,000 |
| Fresno, CA | 67 | $ 17,019,000 | $ 254,014 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 67 | $ 12,955,000 | $ 193,358 | $ 84,358 |
| Santa Rosa-Petaluma, CA | 64 | $ 40,445,000 | $ 631,953 | $ 255,000 |
| Fort Collins-Loveland, CO | 61 | $ 10,590,000 | $ 173,606 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 59 | $ 40,795,000 | $ 691,440 | $ 178,000 |
| Flint, MI | 57 | $ 6,873,000 | $ 120,578 | $ 47,000 |
| Honolulu, HI | 54 | $ 32,087,000 | $ 594,203 | $ 188,000 |
| Portland-Vancouver-Beaverton, OR-WA | 54 | $ 20,847,000 | $ 386,055 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 48 | $ 13,868,000 | $ 288,916 | $ 136,000 |
| Durham, NC | 45 | $ 10,631,000 | $ 236,244 | $ 103,000 |
| Salinas, CA | 43 | $ 18,345,000 | $ 426,627 | $ 101,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 38 | $ 17,250,000 | $ 453,947 | $ 164,000 |
| Provo-Orem, UT | 37 | $ 6,917,000 | $ 186,945 | $ 60,000 |
| Memphis, TN-MS-AR | 36 | $ 6,236,000 | $ 173,222 | $ 65,555 |
| Vallejo-Fairfield, CA | 36 | $ 14,714,000 | $ 408,722 | $ 105,000 |
| Bakersfield, CA | 35 | $ 8,063,000 | $ 230,371 | $ 79,000 |
| Green Bay, WI | 34 | $ 4,074,000 | $ 119,823 | $ 47,000 |
| Merced, CA | 34 | $ 9,499,000 | $ 279,382 | $ 95,000 |
| Visalia-Porterville, CA | 34 | $ 8,346,000 | $ 245,470 | $ 71,000 |
| Winston-Salem, NC | 34 | $ 5,307,000 | $ 156,088 | $ 62,000 |
| Anchorage, AK | 33 | $ 6,859,000 | $ 207,848 | $ 89,000 |
| Lakeland, FL | 31 | $ 5,351,000 | $ 172,612 | $ 67,000 |
| Louisville-Jefferson County, KY-IN | 31 | $ 5,049,000 | $ 162,870 | $ 69,548 |
| Seattle-Bellevue-Everett, WA | 31 | $ 28,887,000 | $ 931,838 | $ 129,000 |
| Akron, OH | 30 | $ 3,308,000 | $ 110,266 | $ 34,000 |
| Jackson, MS | 30 | $ 3,900,000 | $ 130,000 | $ 65,000 |
| Oklahoma City, OK | 30 | $ 4,806,000 | $ 160,200 | $ 183,000 |
| Knoxville, TN | 29 | $ 5,001,000 | $ 172,448 | $ 80,000 |
| Milwaukee-Waukesha-West Allis, WI | 28 | $ 4,305,000 | $ 153,750 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 27 | $ 5,919,000 | $ 219,222 | $ 114,000 |
| College Station-Bryan, TX | 25 | $ 2,614,000 | $ 104,560 | $ 142,000 |
| Greeley, CO | 25 | $ 5,284,000 | $ 211,360 | $ 74,000 |
| Gary, IN | 24 | $ 3,391,000 | $ 141,291 | $ 101,000 |
| Reno-Sparks, NV | 24 | $ 7,055,000 | $ 293,958 | $ 158,000 |
| Kalamazoo-Portage, MI | 23 | $ 2,815,000 | $ 122,391 | $ 41,000 |
| Richmond, VA | 22 | $ 4,131,000 | $ 187,772 | $ 53,000 |
| Beaumont-Port Arthur, TX | 21 | $ 1,843,000 | $ 87,761 | $ 40,000 |
| Birmingham-Hoover, AL | 21 | $ 3,924,000 | $ 186,857 | $ 64,000 |
| Burlington, NC | 21 | $ 2,413,000 | $ 114,904 | $ 73,000 |
| Kansas City, MO-KS | 21 | $ 3,420,000 | $ 162,857 | $ 66,571 |
| Bethesda-Gaithersburg-Frederick, MD | 20 | $ 7,304,000 | $ 365,200 | $ 105,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 19 | $ 3,656,000 | $ 192,421 | $ 113,000 |
| Saginaw-Saginaw Township North, MI | 19 | $ 2,018,000 | $ 106,210 | $ 45,000 |
| Sarasota-Bradenton-Venice, FL | 18 | $ 4,093,000 | $ 227,388 | $ 89,000 |
| Columbus, GA-AL | 17 | $ 3,130,000 | $ 184,117 | $ 58,764 |
| Hickory-Lenoir-Morganton, NC | 17 | $ 1,485,000 | $ 87,352 | $ 34,000 |
| Napa, CA | 17 | $ 7,830,000 | $ 460,588 | $ 112,000 |
| Chattanooga, TN-GA | 16 | $ 2,183,000 | $ 136,437 | $ 64,000 |
| Lansing-East Lansing, MI | 16 | $ 2,108,000 | $ 131,750 | $ 60,000 |
| Naples-Marco Island, FL | 16 | $ 4,019,000 | $ 251,187 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 3,555,000 | $ 222,187 | $ 59,000 |
| Wilmington, NC | 16 | $ 6,256,000 | $ 391,000 | $ 193,000 |
| Charleston-North Charleston, SC | 15 | $ 3,013,000 | $ 200,866 | $ 74,000 |
| Dayton, OH | 15 | $ 1,428,000 | $ 95,200 | $ 43,000 |
| Madera, CA | 15 | $ 3,835,000 | $ 255,666 | $ 67,000 |
| Boulder, CO | 14 | $ 3,104,000 | $ 221,714 | $ 148,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 2,247,000 | $ 160,500 | $ 72,857 |
| Grand Rapids-Wyoming, MI | 14 | $ 5,741,000 | $ 410,071 | $ 68,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 1,619,000 | $ 115,642 | $ 54,642 |
| Boston-Quincy, MA | 13 | $ 3,659,000 | $ 281,461 | $ 68,000 |
| Bridgeport-Stamford-Norwalk, CT | 13 | $ 10,250,000 | $ 788,461 | $ 293,000 |
| Hinesville-Fort Stewart, GA | 13 | $ 1,856,000 | $ 142,769 | $ 41,000 |
| Pensacola-Ferry Pass-Brent, FL | 13 | $ 2,235,000 | $ 171,923 | $ 41,000 |
| Philadelphia, PA | 13 | $ 2,875,000 | $ 221,153 | $ 70,000 |
| Redding, CA | 13 | $ 3,250,000 | $ 250,000 | $ 101,000 |
| Waco, TX | 13 | $ 1,419,000 | $ 109,153 | $ 57,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 4,134,000 | $ 344,500 | $ 112,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 2,585,000 | $ 215,416 | $ 101,000 |
| Port St. Lucie-Fort Pierce, FL | 12 | $ 2,385,000 | $ 198,750 | $ 53,000 |
| St. Louis, MO-IL | 12 | $ 53,125,000 | $ 4,427,083 | $ 87,000 |
| York-Hanover, PA | 12 | $ 2,376,000 | $ 198,000 | $ 54,000 |
| Appleton, WI | 11 | $ 1,498,000 | $ 136,181 | $ 38,000 |
| Hagerstown-Martinsburg, MD-WV | 11 | $ 2,253,000 | $ 204,818 | $ 54,000 |
| Longview, WA | 11 | $ 1,927,000 | $ 175,181 | $ 58,000 |
| Lynchburg, VA | 11 | $ 1,040,000 | $ 94,545 | $ 60,000 |
| Springfield, MA | 11 | $ 1,608,000 | $ 146,181 | $ 37,000 |
| Columbia, SC | 10 | $ 1,090,000 | $ 109,000 | $ 54,000 |
| El Centro, CA | 10 | $ 1,938,000 | $ 193,800 | $ 123,000 |
| Huntsville, AL | 10 | $ 1,127,000 | $ 112,700 | $ 77,000 |
| Lexington-Fayette, KY | 10 | $ 2,060,000 | $ 206,000 | $ 46,000 |
| New Haven-Milford, CT | 10 | $ 2,098,000 | $ 209,800 | $ 72,000 |
| Niles-Benton Harbor, MI | 10 | $ 1,687,000 | $ 168,700 | $ 128,000 |
| Punta Gorda, FL | 10 | $ 2,589,000 | $ 258,900 | $ 144,000 |
| Salem, OR | 10 | $ 1,726,000 | $ 172,600 | $ 238,000 |
| Santa Barbara-Santa Maria, CA | 10 | $ 9,209,000 | $ 920,900 | $ 175,000 |
| Savannah, GA | 10 | $ 2,309,000 | $ 230,900 | $ 43,000 |
| Tacoma, WA | 10 | $ 2,185,000 | $ 218,500 | $ 48,000 |
| Ann Arbor, MI | 9 | $ 1,523,000 | $ 169,222 | $ 59,000 |
| Corpus Christi, TX | 9 | $ 2,303,000 | $ 255,888 | $ 509,000 |
| Madison, WI | 9 | $ 2,361,000 | $ 262,333 | $ 154,000 |
| Ocala, FL | 9 | $ 1,296,000 | $ 144,000 | $ 62,000 |
| Springfield, MO | 9 | $ 1,269,000 | $ 141,000 | $ 133,000 |
| St. George, UT | 9 | $ 2,485,000 | $ 276,111 | $ 100,000 |
| Tulsa, OK | 9 | $ 1,157,000 | $ 128,555 | $ 56,000 |
| Worcester, MA | 9 | $ 2,331,000 | $ 259,000 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 690,000 | $ 86,250 | $ 85,000 |
| Canton-Massillon, OH | 8 | $ 943,000 | $ 117,875 | $ 51,000 |
| Columbus, OH | 8 | $ 1,251,000 | $ 156,375 | $ 51,000 |
| Evansville, IN-KY | 8 | $ 1,109,000 | $ 138,625 | $ 55,250 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 2,222,000 | $ 277,750 | $ 107,000 |
| Montgomery, AL | 8 | $ 811,000 | $ 101,375 | $ 24,000 |
| Prescott, AZ | 8 | $ 2,255,000 | $ 281,875 | $ 109,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 3,040,000 | $ 380,000 | $ 296,000 |
| Tyler, TX | 8 | $ 808,000 | $ 101,000 | $ 238,000 |
| Valdosta, GA | 8 | $ 1,398,000 | $ 174,750 | $ 51,000 |
| Fort Wayne, IN | 7 | $ 850,000 | $ 121,428 | $ 60,000 |
| Hanford-Corcoran, CA | 7 | $ 1,276,000 | $ 182,285 | $ 79,000 |
| Johnson City, TN | 7 | $ 876,000 | $ 125,142 | $ 57,000 |
| Longview, TX | 7 | $ 428,000 | $ 61,142 | $ 60,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 828,000 | $ 118,285 | $ 50,000 |
| New York-White Plains-Wayne, NY-NJ | 7 | $ 4,711,000 | $ 673,000 | $ 468,714 |
| Newark-Union, NJ-PA | 7 | $ 1,900,000 | $ 271,428 | $ 85,142 |
| Pittsburgh, PA | 7 | $ 1,166,000 | $ 166,571 | $ 70,000 |
| Pueblo, CO | 7 | $ 934,000 | $ 133,428 | $ 52,000 |
| Yuba City, CA | 7 | $ 1,958,000 | $ 279,714 | $ 101,000 |
| Boise City-Nampa, ID | 6 | $ 1,895,000 | $ 315,833 | $ 250,000 |
| Camden, NJ | 6 | $ 5,854,000 | $ 975,666 | $ 91,000 |
| Charlottesville, VA | 6 | $ 1,509,000 | $ 251,500 | $ 68,000 |
| Clarksville, TN-KY | 6 | $ 650,000 | $ 108,333 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,161,000 | $ 193,500 | $ 67,000 |
| Edison, NJ | 6 | $ 1,905,000 | $ 317,500 | $ 104,000 |
| Essex County, MA | 6 | $ 2,640,000 | $ 440,000 | $ 181,000 |
| Gainesville, GA | 6 | $ 1,515,000 | $ 252,500 | $ 90,000 |
| Hot Springs, AR | 6 | $ 808,000 | $ 134,666 | $ 55,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 443,000 | $ 73,833 | $ 44,166 |
| Jackson, TN | 6 | $ 771,000 | $ 128,500 | $ 79,000 |
| Kankakee-Bradley, IL | 6 | $ 773,000 | $ 128,833 | $ 52,000 |
| Oshkosh-Neenah, WI | 6 | $ 17,042,000 | $ 2,840,333 | $ 37,000 |
| Salisbury, MD | 6 | $ 1,401,000 | $ 233,500 | $ 101,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 3,134,000 | $ 522,333 | $ 392,000 |
| Albuquerque, NM | 5 | $ 873,000 | $ 174,600 | $ 60,000 |
| Baton Rouge, LA | 5 | $ 1,077,000 | $ 215,400 | $ 121,000 |
| Battle Creek, MI | 5 | $ 399,000 | $ 79,800 | $ 43,000 |
| Chico, CA | 5 | $ 1,021,000 | $ 204,200 | $ 57,000 |
| Elkhart-Goshen, IN | 5 | $ 543,000 | $ 108,600 | $ 54,000 |
| Jackson, MI | 5 | $ 684,000 | $ 136,800 | $ 51,000 |
| Lafayette, IN | 5 | $ 535,000 | $ 107,000 | $ 254,000 |
| Lafayette, LA | 5 | $ 505,000 | $ 101,000 | $ 41,000 |
| Monroe, MI | 5 | $ 739,000 | $ 147,800 | $ 80,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,082,000 | $ 216,400 | $ 118,000 |
| Springfield, OH | 5 | $ 526,000 | $ 105,200 | $ 42,000 |
| Tallahassee, FL | 5 | $ 1,025,000 | $ 205,000 | $ 165,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,036,000 | $ 207,200 | $ 52,200 |
| Yuma, AZ | 5 | $ 592,000 | $ 118,400 | $ 46,000 |
| Bay City, MI | 4 | $ 405,000 | $ 101,250 | $ 62,000 |
| Columbia, MO | 4 | $ 622,000 | $ 155,500 | $ 43,000 |
| Grand Junction, CO | 4 | $ 1,621,000 | $ 405,250 | $ 58,000 |
| Greenville, NC | 4 | $ 703,000 | $ 175,750 | $ 108,000 |
| Greenville, SC | 4 | $ 391,000 | $ 97,750 | $ 45,000 |
| Joplin, MO | 4 | $ 280,000 | $ 70,000 | $ 60,000 |
| Mobile, AL | 4 | $ 332,000 | $ 83,000 | $ 78,000 |
| Muncie, IN | 4 | $ 340,000 | $ 85,000 | $ 32,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 595,000 | $ 148,750 | $ 47,000 |
| Roanoke, VA | 4 | $ 1,364,000 | $ 341,000 | $ 60,000 |
| Rockford, IL | 4 | $ 646,000 | $ 161,500 | $ 80,000 |
| Sherman-Denison, TX | 4 | $ 666,000 | $ 166,500 | $ 41,000 |
| Spokane, WA | 4 | $ 660,000 | $ 165,000 | $ 61,000 |
| Abilene, TX | 3 | $ 581,000 | $ 193,666 | $ 124,000 |
| Anderson, IN | 3 | $ 341,000 | $ 113,666 | $ 52,000 |
| Anderson, SC | 3 | $ 473,000 | $ 157,666 | $ 33,000 |
| Auburn-Opelika, AL | 3 | $ 335,000 | $ 111,666 | $ 40,000 |
| Champaign-Urbana, IL | 3 | $ 320,000 | $ 106,666 | $ 139,000 |
| Dalton, GA | 3 | $ 573,000 | $ 191,000 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 333,000 | $ 111,000 | $ 47,666 |
| Dothan, AL | 3 | $ 891,000 | $ 297,000 | $ 112,000 |
| Dover, DE | 3 | $ 521,000 | $ 173,666 | $ 94,000 |
| Fayetteville, NC | 3 | $ 286,000 | $ 95,333 | $ 38,000 |
| Florence-Muscle Shoals, AL | 3 | $ 236,000 | $ 78,666 | $ 16,000 |
| Manchester-Nashua, NH | 3 | $ 1,014,000 | $ 338,000 | $ 144,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 287,000 | $ 95,666 | $ 64,000 |
| Morristown, TN | 3 | $ 363,000 | $ 121,000 | $ 61,000 |
| Muskegon-Norton Shores, MI | 3 | $ 311,000 | $ 103,666 | $ 25,000 |
| Olympia, WA | 3 | $ 818,000 | $ 272,666 | $ 72,000 |
| Rockingham County-Strafford County, NH | 3 | $ 798,000 | $ 266,000 | $ 82,000 |
| Sheboygan, WI | 3 | $ 171,000 | $ 57,000 | $ 42,000 |
| Winchester, VA-WV | 3 | $ 727,000 | $ 242,333 | $ 65,000 |
| Athens-Clarke County, GA | 2 | $ 576,000 | $ 288,000 | $ 129,000 |
| Bloomington-Normal, IL | 2 | $ 360,000 | $ 180,000 | $ 127,000 |
| Bremerton-Silverdale, WA | 2 | $ 491,000 | $ 245,500 | $ 38,000 |
| Brownsville-Harlingen, TX | 2 | $ 149,000 | $ 74,500 | $ 31,000 |
| Burlington-South Burlington, VT | 2 | $ 389,000 | $ 194,500 | $ 59,000 |
| Charleston, WV | 2 | $ 128,000 | $ 64,000 | $ 56,000 |
| Decatur, AL | 2 | $ 174,000 | $ 87,000 | $ 27,000 |
| Eugene-Springfield, OR | 2 | $ 480,000 | $ 240,000 | $ 62,000 |
| Fargo, ND-MN | 2 | $ 314,000 | $ 157,000 | $ 28,500 |
| Fond Du Lac, WI | 2 | $ 191,000 | $ 95,500 | $ 53,000 |
| Gadsden, AL | 2 | $ 156,000 | $ 78,000 | $ 32,000 |
| Hattiesburg, MS | 2 | $ 207,000 | $ 103,500 | $ 77,000 |
| Holland-Grand Haven, MI | 2 | $ 250,000 | $ 125,000 | $ 72,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 125,000 | $ 62,500 | $ 36,000 |
| Lubbock, TX | 2 | $ 312,000 | $ 156,000 | $ 92,000 |
| Owensboro, KY | 2 | $ 295,000 | $ 147,500 | $ 86,000 |
| Panama City-Lynn Haven, FL | 2 | $ 364,000 | $ 182,000 | $ 117,000 |
| Peoria, IL | 2 | $ 594,000 | $ 297,000 | $ 67,000 |
| Pittsfield, MA | 2 | $ 309,000 | $ 154,500 | $ 58,000 |
| Racine, WI | 2 | $ 368,000 | $ 184,000 | $ 70,000 |
| Spartanburg, SC | 2 | $ 289,000 | $ 144,500 | $ 116,000 |
| Trenton-Ewing, NJ | 2 | $ 445,000 | $ 222,500 | $ 73,000 |
| Tuscaloosa, AL | 2 | $ 168,000 | $ 84,000 | $ 0 |
| Yakima, WA | 2 | $ 480,000 | $ 240,000 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 219,000 | $ 109,500 | $ 42,500 |
| Albany-Schenectady-Troy, NY | 1 | $ 557,000 | $ 557,000 | $ 168,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 226,000 | $ 226,000 | $ 68,000 |
| Bangor, ME | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 780,000 | $ 780,000 | $ 360,000 |
| Bend, OR | 1 | $ 413,000 | $ 413,000 | $ 156,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Bloomington, IN | 1 | $ 96,000 | $ 96,000 | $ 33,000 |
| Brunswick, GA | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| Cleveland, TN | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Coeur D'Alene, ID | 1 | $ 178,000 | $ 178,000 | $ 59,000 |
| Cumberland, MD-WV | 1 | $ 133,000 | $ 133,000 | $ 54,000 |
| Danville, VA | 1 | $ 136,000 | $ 136,000 | $ 57,000 |
| Decatur, IL | 1 | $ 94,000 | $ 94,000 | $ 11,000 |
| Des Moines-West Des Moines, IA | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Farmington, NM | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Florence, SC | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Gainesville, FL | 1 | $ 111,000 | $ 111,000 | $ 41,000 |
| Goldsboro, NC | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 73,000 | $ 73,000 | $ 22,000 |
| Harrisburg-Carlisle, PA | 1 | $ 174,000 | $ 174,000 | $ 98,000 |
| Jacksonville, NC | 1 | $ 84,000 | $ 84,000 | $ 167,000 |
| Janesville, WI | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Lancaster, PA | 1 | $ 98,000 | $ 98,000 | $ 86,000 |
| Laredo, TX | 1 | $ 146,000 | $ 146,000 | $ 78,000 |
| Lawton, OK | 1 | $ 129,000 | $ 129,000 | $ 99,000 |
| Macon, GA | 1 | $ 128,000 | $ 128,000 | $ 279,000 |
| Michigan City-La Porte, IN | 1 | $ 293,000 | $ 293,000 | $ 215,000 |
| Midland, TX | 1 | $ 375,000 | $ 375,000 | $ 264,000 |
| Missoula, MT | 1 | $ 192,000 | $ 192,000 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 233,000 | $ 233,000 | $ 75,000 |
| Norwich-New London, CT | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 328,000 | $ 328,000 | $ 62,000 |
| Reading, PA | 1 | $ 203,000 | $ 203,000 | $ 55,000 |
| Santa Fe, NM | 1 | $ 159,000 | $ 159,000 | $ 90,000 |
| Sioux City, IA-NE-SD | 1 | $ 127,000 | $ 127,000 | $ 55,000 |
| St. Joseph, MO-KS | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Terre Haute, IN | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 218,000 | $ 218,000 | $ 68,000 |
| Toledo, OH | 1 | $ 83,000 | $ 83,000 | $ 37,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 99,000 | $ 99,000 | $ 93,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 33,000 | $ 33,000 | $ 29,000 |
| Wichita Falls, TX | 1 | $ 30,000 | $ 30,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 16,149 | $4,896,534,000 | $303,000 | $99,999,000 | $82,000 | $3,923,000 |
| Refinancing | 4,845 | $1,242,047,000 | $256,000 | $2,475,000 | $103,000 | $7,840,000 |
| Home Improvement | 142 | $21,599,000 | $152,000 | $1,970,000 | $87,000 | $840,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 11,510 | $2,700,427,000 | $234,000 | $4,900,000 | $99,000 | $7,840,000 |
| Not Provided | 5,056 | $2,304,385,000 | $455,000 | $99,999,000 | $57,000 | $3,811,000 |
| Hispanic | 2,330 | $577,698,000 | $247,000 | $2,340,000 | $79,000 | $2,400,000 |
| Black or African American | 1,141 | $227,802,000 | $199,000 | $1,470,000 | $75,000 | $3,250,000 |
| Asian | 916 | $296,515,000 | $323,000 | $1,830,000 | $129,000 | $1,826,000 |
| Native Hawaiian or Other Pacific Islander | 123 | $37,698,000 | $306,000 | $912,000 | $101,000 | $518,000 |
| American Indian or Alaskan Native | 60 | $15,655,000 | $260,000 | $666,000 | $85,000 | $420,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 18,852 | $5,805,127,000 | $307,000 | $99,999,000 | $91,000 | $7,840,000 |
| FHA-insured (Federal Housing Administration) | 1,634 | $218,646,000 | $133,000 | $405,000 | $47,000 | $201,000 |
| VA-guaranteed (Veterans Administration) | 642 | $135,258,000 | $210,000 | $582,000 | $67,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,149,000 | $143,000 | $392,000 | $34,000 | $97,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 19,754 | $4,925,289,000 | $249,000 | $2,940,000 | $86,000 | $7,840,000 |
| Loan Originated | 610 | $1,097,959,000 | $1,799,000 | $99,999,000 | $94,000 | $3,923,000 |
| Application Denied By Financial Institution | 561 | $94,000,000 | $167,000 | $2,340,000 | $96,000 | $1,817,000 |
| Application Approved But Not Accepted | 188 | $39,819,000 | $211,000 | $1,113,000 | $104,000 | $660,000 |
| Application Withdrawn By Applicant | 17 | $2,643,000 | $155,000 | $377,000 | $63,000 | $168,000 |
| File Closed For Incompleteness | 6 | $470,000 | $78,000 | $118,000 | $234,000 | $1,094,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 206 | $22,849,000 | $110,000 | $650,000 | $63,000 | $540,000 |
| Debt-To-Income Ratio | 109 | $16,214,000 | $148,000 | $1,225,000 | $61,000 | $720,000 |
| Collateral | 64 | $12,244,000 | $191,000 | $2,340,000 | $82,000 | $663,000 |
| Unverifiable Information | 59 | $11,561,000 | $195,000 | $780,000 | $95,000 | $480,000 |
| Other | 42 | $7,348,000 | $174,000 | $1,688,000 | $320,000 | $1,817,000 |
| Credit Application Incomplete | 38 | $10,890,000 | $286,000 | $975,000 | $102,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $7,254,000 | $268,000 | $1,461,000 | $138,000 | $734,000 |
| Employment History | 16 | $5,640,000 | $352,000 | $1,000,000 | $125,000 | $359,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guaranty Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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