Guaranty Bank Mortgage Lending & HMDA Data, 2007
In 2007, Guaranty Bank of Dallas, TX reported 21,490 mortgage applications totaling $5.9 billion, up 2% from 2006. The average application was for $272,933, and applicants reported an average income of $95,005. 1% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,144), Charlotte-Gastonia-Concord, NC-SC (1,371) and Dallas-Plano-Irving, TX (1,258) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank 8333 Douglas Avenue Dallas, TX 75225 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 21,490 |
| Total Mortgage Loan Application Amount | $5,865,342,000 |
| Average Mortgage Loan Application Amount | $272,933 |
| Highest Mortgage Loan Application Amount | $99,763,000 |
| Average Applicant Income | $95,005 |
| Highest Applicant Income | $7,780,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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 | 3,144 | $ 821,834,000 | $ 261,397 | $ 107,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1,371 | $ 231,949,000 | $ 169,182 | $ 68,891 |
| Dallas-Plano-Irving, TX | 1,258 | $ 251,519,000 | $ 199,935 | $ 109,000 |
| Houston-Sugar Land-Baytown, TX | 1,182 | $ 202,043,000 | $ 170,933 | $ 91,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,096 | $ 270,099,000 | $ 246,440 | $ 96,000 |
| Fort Worth-Arlington, TX | 976 | $ 166,150,000 | $ 170,235 | $ 87,000 |
| San Antonio, TX | 605 | $ 88,960,000 | $ 147,041 | $ 82,000 |
| Colorado Springs, CO | 600 | $ 144,965,000 | $ 241,608 | $ 93,000 |
| Greensboro-High Point, NC | 549 | $ 89,119,000 | $ 162,329 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 523 | $ 204,677,000 | $ 391,351 | $ 104,000 |
| Denver-Aurora, CO | 511 | $ 133,593,000 | $ 261,434 | $ 89,000 |
| Austin-Round Rock, TX | 455 | $ 89,744,000 | $ 197,239 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 452 | $ 175,728,000 | $ 388,778 | $ 101,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 427 | $ 75,208,000 | $ 176,131 | $ 72,000 |
| Asheville, NC | 390 | $ 80,478,000 | $ 206,353 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 304 | $ 48,763,000 | $ 160,404 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 236 | $ 118,145,000 | $ 500,614 | $ 175,000 |
| Las Vegas-Paradise, NV | 223 | $ 61,089,000 | $ 273,941 | $ 139,000 |
| San Diego-Carlsbad-San Marcos, CA | 221 | $ 92,347,000 | $ 417,859 | $ 168,000 |
| Raleigh-Cary, NC | 165 | $ 32,735,000 | $ 198,393 | $ 91,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 156 | $ 46,701,000 | $ 299,365 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 154 | $ 52,795,000 | $ 342,824 | $ 106,123 |
| Orlando-Kissimmee, FL | 131 | $ 33,824,000 | $ 258,198 | $ 79,000 |
| Ogden-Clearfield, UT | 128 | $ 27,818,000 | $ 217,328 | $ 71,000 |
| Albuquerque, NM | 127 | $ 20,745,000 | $ 163,346 | $ 58,000 |
| Detroit-Livonia-Dearborn, MI | 125 | $ 15,371,000 | $ 122,968 | $ 61,000 |
| Oakland-Fremont-Hayward, CA | 125 | $ 63,227,000 | $ 505,816 | $ 161,000 |
| Portland-Vancouver-Beaverton, OR-WA | 125 | $ 32,026,000 | $ 256,208 | $ 114,256 |
| Atlanta-Sandy Springs-Marietta, GA | 119 | $ 30,649,000 | $ 257,554 | $ 95,000 |
| San Francisco-San Mateo-Redwood City, CA | 110 | $ 92,630,000 | $ 842,090 | $ 230,000 |
| McAllen-Edinburg-Mission, TX | 101 | $ 12,685,000 | $ 125,594 | $ 68,000 |
| Honolulu, HI | 93 | $ 48,087,000 | $ 517,064 | $ 161,000 |
| Lake County-Kenosha County, IL-WI | 92 | $ 30,351,000 | $ 329,902 | $ 134,021 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 92 | $ 21,183,000 | $ 230,250 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 79 | $ 62,777,000 | $ 794,645 | $ 153,000 |
| Corpus Christi, TX | 70 | $ 10,127,000 | $ 144,671 | $ 83,000 |
| Salt Lake City, UT | 70 | $ 16,032,000 | $ 229,028 | $ 84,000 |
| Winston-Salem, NC | 69 | $ 11,318,000 | $ 164,028 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 68 | $ 17,088,000 | $ 251,294 | $ 69,000 |
| Stockton, CA | 67 | $ 15,332,000 | $ 228,835 | $ 74,000 |
| Hickory-Lenoir-Morganton, NC | 66 | $ 7,607,000 | $ 115,257 | $ 53,000 |
| Texarkana, Tx-Texarkana, AR | 64 | $ 7,134,000 | $ 111,468 | $ 63,718 |
| Tyler, TX | 60 | $ 8,243,000 | $ 137,383 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 59 | $ 14,603,000 | $ 247,508 | $ 91,000 |
| Baltimore-Towson, MD | 58 | $ 13,420,000 | $ 231,379 | $ 77,000 |
| Modesto, CA | 57 | $ 13,685,000 | $ 240,087 | $ 75,000 |
| Fresno, CA | 54 | $ 13,199,000 | $ 244,425 | $ 81,000 |
| Memphis, TN-MS-AR | 54 | $ 8,322,000 | $ 154,111 | $ 74,111 |
| Santa Rosa-Petaluma, CA | 54 | $ 24,642,000 | $ 456,333 | $ 132,000 |
| Little Rock-North Little Rock-Conway, AR | 53 | $ 7,305,000 | $ 137,830 | $ 50,000 |
| Louisville-Jefferson County, KY-IN | 53 | $ 9,032,000 | $ 170,415 | $ 185,528 |
| Reno-Sparks, NV | 53 | $ 14,439,000 | $ 272,433 | $ 94,000 |
| Indianapolis-Carmel, IN | 52 | $ 7,306,000 | $ 140,500 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 50 | $ 12,062,000 | $ 241,240 | $ 84,000 |
| Durham, NC | 48 | $ 9,846,000 | $ 205,125 | $ 99,000 |
| Jacksonville, FL | 48 | $ 52,300,000 | $ 1,089,583 | $ 76,000 |
| Knoxville, TN | 46 | $ 7,980,000 | $ 173,478 | $ 88,000 |
| Richmond, VA | 45 | $ 7,876,000 | $ 175,022 | $ 61,000 |
| Fayetteville, NC | 43 | $ 6,770,000 | $ 157,441 | $ 66,000 |
| Tulsa, OK | 43 | $ 5,392,000 | $ 125,395 | $ 71,000 |
| Kansas City, MO-KS | 42 | $ 6,931,000 | $ 165,023 | $ 69,380 |
| Tampa-St. Petersburg-Clearwater, FL | 42 | $ 7,769,000 | $ 184,976 | $ 66,000 |
| Flint, MI | 39 | $ 5,712,000 | $ 146,461 | $ 64,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 38 | $ 21,006,000 | $ 552,789 | $ 175,000 |
| Baton Rouge, LA | 37 | $ 4,954,000 | $ 133,891 | $ 46,000 |
| Greeley, CO | 37 | $ 6,809,000 | $ 184,027 | $ 75,000 |
| Cape Coral-Fort Myers, FL | 35 | $ 7,995,000 | $ 228,428 | $ 97,000 |
| Birmingham-Hoover, AL | 34 | $ 5,593,000 | $ 164,500 | $ 58,000 |
| Gary, IN | 31 | $ 6,280,000 | $ 202,580 | $ 102,000 |
| Tucson, AZ | 31 | $ 32,531,000 | $ 1,049,387 | $ 66,000 |
| Grand Rapids-Wyoming, MI | 30 | $ 4,414,000 | $ 147,133 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 15,149,000 | $ 504,966 | $ 170,000 |
| Jackson, MS | 29 | $ 4,282,000 | $ 147,655 | $ 118,000 |
| Pueblo, CO | 29 | $ 4,298,000 | $ 148,206 | $ 63,000 |
| Waco, TX | 29 | $ 1,838,000 | $ 63,379 | $ 51,000 |
| Oklahoma City, OK | 28 | $ 3,621,000 | $ 129,321 | $ 104,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 28 | $ 5,402,000 | $ 192,928 | $ 70,000 |
| New Orleans-Metairie-Kenner, LA | 27 | $ 3,519,000 | $ 130,333 | $ 76,000 |
| Provo-Orem, UT | 27 | $ 7,563,000 | $ 280,111 | $ 108,000 |
| Beaumont-Port Arthur, TX | 26 | $ 1,381,000 | $ 53,115 | $ 68,000 |
| Fort Collins-Loveland, CO | 25 | $ 4,881,000 | $ 195,240 | $ 69,000 |
| Huntington-Ashland, WV-KY-OH | 25 | $ 2,261,000 | $ 90,440 | $ 41,240 |
| Lexington-Fayette, KY | 25 | $ 3,682,000 | $ 147,280 | $ 64,000 |
| Port St. Lucie, FL | 25 | $ 10,289,000 | $ 411,560 | $ 54,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 25 | $ 8,947,000 | $ 357,880 | $ 87,000 |
| Wilmington, NC | 25 | $ 7,897,000 | $ 315,880 | $ 169,000 |
| College Station-Bryan, TX | 24 | $ 3,014,000 | $ 125,583 | $ 128,000 |
| Dayton, OH | 24 | $ 2,389,000 | $ 99,541 | $ 41,000 |
| Bakersfield, CA | 23 | $ 5,233,000 | $ 227,521 | $ 70,000 |
| Boulder, CO | 23 | $ 5,079,000 | $ 220,826 | $ 120,000 |
| Chattanooga, TN-GA | 23 | $ 3,081,000 | $ 133,956 | $ 71,217 |
| El Paso, TX | 23 | $ 4,639,000 | $ 201,695 | $ 82,000 |
| Kalamazoo-Portage, MI | 22 | $ 3,636,000 | $ 165,272 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 5,159,000 | $ 245,666 | $ 107,000 |
| Visalia-Porterville, CA | 21 | $ 4,441,000 | $ 211,476 | $ 67,000 |
| Tacoma, WA | 20 | $ 4,935,000 | $ 246,750 | $ 77,000 |
| Charleston-North Charleston, SC | 19 | $ 4,550,000 | $ 239,473 | $ 97,000 |
| Vallejo-Fairfield, CA | 19 | $ 6,379,000 | $ 335,736 | $ 89,000 |
| Bethesda-Gaithersburg-Frederick, MD | 18 | $ 7,386,000 | $ 410,333 | $ 131,000 |
| Longview, TX | 18 | $ 1,667,000 | $ 92,611 | $ 43,000 |
| Salem, OR | 18 | $ 3,315,000 | $ 184,166 | $ 116,000 |
| Niles-Benton Harbor, MI | 17 | $ 3,320,000 | $ 195,294 | $ 148,000 |
| Panama City-Lynn Haven, FL | 17 | $ 2,379,000 | $ 139,941 | $ 26,000 |
| Killeen-Temple-Fort Hood, TX | 16 | $ 1,556,000 | $ 97,250 | $ 58,000 |
| Merced, CA | 16 | $ 4,153,000 | $ 259,562 | $ 60,000 |
| Naples-Marco Island, FL | 16 | $ 4,897,000 | $ 306,062 | $ 199,000 |
| Clarksville, TN-KY | 15 | $ 1,988,000 | $ 132,533 | $ 52,200 |
| Columbus, OH | 15 | $ 2,229,000 | $ 148,600 | $ 79,000 |
| Prescott, AZ | 15 | $ 3,496,000 | $ 233,066 | $ 110,000 |
| Sarasota-Bradenton-Venice, FL | 15 | $ 3,893,000 | $ 259,533 | $ 135,000 |
| Boston-Quincy, MA | 14 | $ 4,245,000 | $ 303,214 | $ 80,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 3,118,000 | $ 222,714 | $ 95,000 |
| Cleveland-Elyria-Mentor, OH | 14 | $ 16,778,000 | $ 1,198,428 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,794,000 | $ 199,571 | $ 58,000 |
| Sherman-Denison, TX | 14 | $ 1,558,000 | $ 111,285 | $ 59,000 |
| St. Louis, MO-IL | 14 | $ 2,510,000 | $ 179,285 | $ 65,000 |
| Longview, WA | 13 | $ 1,832,000 | $ 140,923 | $ 43,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 2,166,000 | $ 166,615 | $ 76,000 |
| New York-White Plains-Wayne, NY-NJ | 13 | $ 6,421,000 | $ 493,923 | $ 275,769 |
| Ann Arbor, MI | 12 | $ 2,705,000 | $ 225,416 | $ 73,000 |
| Bremerton-Silverdale, WA | 12 | $ 3,054,000 | $ 254,500 | $ 115,000 |
| Brownsville-Harlingen, TX | 12 | $ 1,699,000 | $ 141,583 | $ 82,000 |
| Burlington, NC | 12 | $ 1,779,000 | $ 148,250 | $ 63,000 |
| Greenville-Mauldin-Easley, SC | 12 | $ 2,518,000 | $ 209,833 | $ 101,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,498,000 | $ 208,166 | $ 76,000 |
| Redding, CA | 12 | $ 3,136,000 | $ 261,333 | $ 92,000 |
| York-Hanover, PA | 12 | $ 2,240,000 | $ 186,666 | $ 84,000 |
| Lansing-East Lansing, MI | 11 | $ 1,664,000 | $ 151,272 | $ 61,000 |
| Mobile, AL | 11 | $ 1,742,000 | $ 158,363 | $ 83,000 |
| Rockford, IL | 11 | $ 1,601,000 | $ 145,545 | $ 90,000 |
| Valdosta, GA | 11 | $ 1,652,000 | $ 150,181 | $ 55,000 |
| Anchorage, AK | 10 | $ 2,160,000 | $ 216,000 | $ 58,000 |
| Columbia, SC | 10 | $ 1,639,000 | $ 163,900 | $ 84,000 |
| Montgomery, AL | 10 | $ 1,487,000 | $ 148,700 | $ 66,000 |
| Providence-New Bedford-Fall River, RI-MA | 10 | $ 12,236,000 | $ 1,223,600 | $ 60,400 |
| San Angelo, TX | 10 | $ 1,086,000 | $ 108,600 | $ 36,000 |
| San Luis Obispo-Paso Robles, CA | 10 | $ 3,515,000 | $ 351,500 | $ 250,000 |
| Bay City, MI | 9 | $ 1,042,000 | $ 115,777 | $ 53,000 |
| Gainesville, FL | 9 | $ 1,336,000 | $ 148,444 | $ 57,000 |
| Holland-Grand Haven, MI | 9 | $ 1,691,000 | $ 187,888 | $ 102,000 |
| Huntsville, AL | 9 | $ 1,321,000 | $ 146,777 | $ 64,000 |
| New Haven-Milford, CT | 9 | $ 1,999,000 | $ 222,111 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,572,000 | $ 174,666 | $ 86,000 |
| Philadelphia, PA | 9 | $ 1,887,000 | $ 209,666 | $ 76,000 |
| Saginaw-Saginaw Township North, MI | 9 | $ 1,063,000 | $ 118,111 | $ 66,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,698,000 | $ 188,666 | $ 111,777 |
| Tallahassee, FL | 9 | $ 1,589,000 | $ 176,555 | $ 64,000 |
| Hattiesburg, MS | 8 | $ 978,000 | $ 122,250 | $ 372,000 |
| Jackson, MI | 8 | $ 810,000 | $ 101,250 | $ 78,000 |
| Kankakee-Bradley, IL | 8 | $ 1,439,000 | $ 179,875 | $ 88,000 |
| Lakeland, FL | 8 | $ 1,411,000 | $ 176,375 | $ 72,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,279,000 | $ 159,875 | $ 84,000 |
| Springfield, MA | 8 | $ 1,241,000 | $ 155,125 | $ 43,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 3,152,000 | $ 450,285 | $ 143,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 3,051,000 | $ 435,857 | $ 152,000 |
| Charlottesville, VA | 7 | $ 1,230,000 | $ 175,714 | $ 0 |
| Chico, CA | 7 | $ 1,504,000 | $ 214,857 | $ 58,000 |
| Columbia, MO | 7 | $ 849,000 | $ 121,285 | $ 55,000 |
| Edison, NJ | 7 | $ 1,410,000 | $ 201,428 | $ 48,000 |
| Farmington, NM | 7 | $ 1,323,000 | $ 189,000 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 1,259,000 | $ 179,857 | $ 113,000 |
| Hinesville-Fort Stewart, GA | 7 | $ 772,000 | $ 110,285 | $ 38,000 |
| Lubbock, TX | 7 | $ 982,000 | $ 140,285 | $ 142,000 |
| Lynchburg, VA | 7 | $ 976,000 | $ 139,428 | $ 51,000 |
| Midland, TX | 7 | $ 1,716,000 | $ 245,142 | $ 253,000 |
| Palm Coast, FL | 7 | $ 1,518,000 | $ 216,857 | $ 55,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,398,000 | $ 199,714 | $ 76,000 |
| Abilene, TX | 6 | $ 578,000 | $ 96,333 | $ 67,000 |
| Bend, OR | 6 | $ 1,801,000 | $ 300,166 | $ 136,000 |
| Carson City, NV | 6 | $ 1,649,000 | $ 274,833 | $ 79,000 |
| Columbus, GA-AL | 6 | $ 724,000 | $ 120,666 | $ 38,000 |
| Johnson City, TN | 6 | $ 809,000 | $ 134,833 | $ 57,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 849,000 | $ 141,500 | $ 30,000 |
| Laredo, TX | 6 | $ 797,000 | $ 132,833 | $ 65,000 |
| Michigan City-La Porte, IN | 6 | $ 1,473,000 | $ 245,500 | $ 172,000 |
| Napa, CA | 6 | $ 1,812,000 | $ 302,000 | $ 156,000 |
| Newark-Union, NJ-PA | 6 | $ 2,150,000 | $ 358,333 | $ 59,000 |
| Ocala, FL | 6 | $ 994,000 | $ 165,666 | $ 48,000 |
| Olympia, WA | 6 | $ 1,509,000 | $ 251,500 | $ 66,000 |
| Peoria, IL | 6 | $ 884,000 | $ 147,333 | $ 69,000 |
| Roanoke, VA | 6 | $ 1,488,000 | $ 248,000 | $ 118,000 |
| Santa Fe, NM | 6 | $ 1,425,000 | $ 237,500 | $ 132,000 |
| Atlantic City, NJ | 5 | $ 1,086,000 | $ 217,200 | $ 65,000 |
| Battle Creek, MI | 5 | $ 672,000 | $ 134,400 | $ 53,000 |
| Camden, NJ | 5 | $ 770,000 | $ 154,000 | $ 37,000 |
| Eugene-Springfield, OR | 5 | $ 734,000 | $ 146,800 | $ 40,000 |
| Flagstaff, AZ | 5 | $ 1,332,000 | $ 266,400 | $ 106,000 |
| Gainesville, GA | 5 | $ 786,000 | $ 157,200 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,351,000 | $ 270,200 | $ 46,400 |
| Madera, CA | 5 | $ 1,062,000 | $ 212,400 | $ 98,000 |
| Owensboro, KY | 5 | $ 557,000 | $ 111,400 | $ 43,000 |
| Pittsburgh, PA | 5 | $ 629,000 | $ 125,800 | $ 76,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 847,000 | $ 169,400 | $ 38,000 |
| Salinas, CA | 5 | $ 2,238,000 | $ 447,600 | $ 131,000 |
| Spokane, WA | 5 | $ 998,000 | $ 199,600 | $ 80,000 |
| Springfield, MO | 5 | $ 516,000 | $ 103,200 | $ 56,000 |
| Yakima, WA | 5 | $ 8,089,000 | $ 1,617,800 | $ 44,000 |
| Amarillo, TX | 4 | $ 554,000 | $ 138,500 | $ 64,000 |
| Boise City-Nampa, ID | 4 | $ 753,000 | $ 188,250 | $ 33,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 691,000 | $ 172,750 | $ 79,500 |
| Decatur, AL | 4 | $ 585,000 | $ 146,250 | $ 65,000 |
| El Centro, CA | 4 | $ 614,000 | $ 153,500 | $ 82,000 |
| Evansville, IN-KY | 4 | $ 515,000 | $ 128,750 | $ 57,000 |
| Fargo, ND-MN | 4 | $ 402,000 | $ 100,500 | $ 75,500 |
| Grand Junction, CO | 4 | $ 992,000 | $ 248,000 | $ 102,000 |
| Gulfport-Biloxi, MS | 4 | $ 604,000 | $ 151,000 | $ 99,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 508,000 | $ 127,000 | $ 50,000 |
| Lake Charles, LA | 4 | $ 469,000 | $ 117,250 | $ 32,000 |
| Monroe, MI | 4 | $ 811,000 | $ 202,750 | $ 121,000 |
| Morristown, TN | 4 | $ 567,000 | $ 141,750 | $ 63,000 |
| Nassau-Suffolk, NY | 4 | $ 4,604,000 | $ 1,151,000 | $ 473,000 |
| Victoria, TX | 4 | $ 633,000 | $ 158,250 | $ 129,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 815,000 | $ 271,666 | $ 143,000 |
| Anderson, IN | 3 | $ 374,000 | $ 124,666 | $ 90,000 |
| Barnstable Town, MA | 3 | $ 1,247,000 | $ 415,666 | $ 190,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 812,000 | $ 270,666 | $ 119,000 |
| Bloomington, IN | 3 | $ 536,000 | $ 178,666 | $ 98,000 |
| Bloomington-Normal, IL | 3 | $ 679,000 | $ 226,333 | $ 128,000 |
| Corvallis, OR | 3 | $ 524,000 | $ 174,666 | $ 67,000 |
| Erie, PA | 3 | $ 260,000 | $ 86,666 | $ 48,000 |
| Florence, SC | 3 | $ 325,000 | $ 108,333 | $ 59,000 |
| Fort Smith, AR-OK | 3 | $ 250,000 | $ 83,333 | $ 47,333 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 503,000 | $ 167,666 | $ 26,000 |
| Greenville, NC | 3 | $ 396,000 | $ 132,000 | $ 83,000 |
| Jacksonville, NC | 3 | $ 299,000 | $ 99,666 | $ 30,000 |
| Medford, OR | 3 | $ 599,000 | $ 199,666 | $ 43,000 |
| Muskegon-Norton Shores, MI | 3 | $ 316,000 | $ 105,333 | $ 54,000 |
| Norwich-New London, CT | 3 | $ 645,000 | $ 215,000 | $ 145,000 |
| Shreveport-Bossier City, LA | 3 | $ 427,000 | $ 142,333 | $ 45,000 |
| Spartanburg, SC | 3 | $ 620,000 | $ 206,666 | $ 71,000 |
| St. George, UT | 3 | $ 1,000,000 | $ 333,333 | $ 182,000 |
| Toledo, OH | 3 | $ 171,000 | $ 57,000 | $ 32,000 |
| Wenatchee, WA | 3 | $ 29,247,000 | $ 9,749,000 | $ 92,000 |
| Wichita Falls, TX | 3 | $ 183,000 | $ 61,000 | $ 84,000 |
| Wichita, KS | 3 | $ 304,000 | $ 101,333 | $ 58,000 |
| Wilmington, DE-MD-NJ | 3 | $ 621,000 | $ 207,000 | $ 44,000 |
| Yuba City, CA | 3 | $ 1,132,000 | $ 377,333 | $ 70,000 |
| Yuma, AZ | 3 | $ 356,000 | $ 118,666 | $ 52,000 |
| Akron, OH | 2 | $ 504,000 | $ 252,000 | $ 27,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 210,000 | $ 105,000 | $ 30,000 |
| Anniston-Oxford, AL | 2 | $ 123,000 | $ 61,500 | $ 39,000 |
| Auburn-Opelika, AL | 2 | $ 305,000 | $ 152,500 | $ 77,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 210,000 | $ 105,000 | $ 37,500 |
| Bowling Green, KY | 2 | $ 212,000 | $ 106,000 | $ 79,000 |
| Brunswick, GA | 2 | $ 643,000 | $ 321,500 | $ 112,000 |
| Canton-Massillon, OH | 2 | $ 250,000 | $ 125,000 | $ 22,000 |
| Cedar Rapids, IA | 2 | $ 321,000 | $ 160,500 | $ 112,000 |
| Cleveland, TN | 2 | $ 544,000 | $ 272,000 | $ 117,000 |
| Cumberland, MD-WV | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Des Moines-West Des Moines, IA | 2 | $ 728,000 | $ 364,000 | $ 134,000 |
| Fairbanks, AK | 2 | $ 283,000 | $ 141,500 | $ 45,000 |
| Florence-Muscle Shoals, AL | 2 | $ 154,000 | $ 77,000 | $ 110,000 |
| Fort Wayne, IN | 2 | $ 131,000 | $ 65,500 | $ 20,000 |
| Hanford-Corcoran, CA | 2 | $ 315,000 | $ 157,500 | $ 49,000 |
| Harrisburg-Carlisle, PA | 2 | $ 1,211,000 | $ 605,500 | $ 255,000 |
| Hot Springs, AR | 2 | $ 175,000 | $ 87,500 | $ 45,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 210,000 | $ 105,000 | $ 70,000 |
| Janesville, WI | 2 | $ 308,000 | $ 154,000 | $ 33,000 |
| Johnstown, PA | 2 | $ 208,000 | $ 104,000 | $ 42,000 |
| Joplin, MO | 2 | $ 218,000 | $ 109,000 | $ 49,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 465,000 | $ 232,500 | $ 90,000 |
| Madison, WI | 2 | $ 612,000 | $ 306,000 | $ 185,000 |
| Manchester-Nashua, NH | 2 | $ 183,000 | $ 91,500 | $ 8,000 |
| Missoula, MT | 2 | $ 351,000 | $ 175,500 | $ 4,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 273,000 | $ 136,500 | $ 69,000 |
| Odessa, TX | 2 | $ 288,000 | $ 144,000 | $ 77,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 348,000 | $ 174,000 | $ 243,000 |
| Pascagoula, MS | 2 | $ 228,000 | $ 114,000 | $ 236,000 |
| Pocatello, ID | 2 | $ 261,000 | $ 130,500 | $ 74,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 496,000 | $ 248,000 | $ 78,000 |
| Reading, PA | 2 | $ 242,000 | $ 121,000 | $ 28,000 |
| Rochester, NY | 2 | $ 596,000 | $ 298,000 | $ 300,000 |
| Rockingham County-Strafford County, NH | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Savannah, GA | 2 | $ 394,000 | $ 197,000 | $ 34,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 275,000 | $ 137,500 | $ 39,000 |
| Springfield, IL | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| St. Joseph, MO-KS | 2 | $ 233,000 | $ 116,500 | $ 75,000 |
| Tuscaloosa, AL | 2 | $ 262,000 | $ 131,000 | $ 179,000 |
| Warner Robins, GA | 2 | $ 316,000 | $ 158,000 | $ 55,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 145,000 | $ 72,500 | $ 74,000 |
| Ames, IA | 1 | $ 38,000 | $ 38,000 | $ 13,000 |
| Anderson, SC | 1 | $ 248,000 | $ 248,000 | $ 70,000 |
| Athens-Clarke County, GA | 1 | $ 95,000 | $ 95,000 | $ 8,000 |
| Bangor, ME | 1 | $ 129,000 | $ 129,000 | $ 46,000 |
| Bellingham, WA | 1 | $ 408,000 | $ 408,000 | $ 40,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 281,000 | $ 281,000 | $ 90,000 |
| Burlington-South Burlington, VT | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Casper, WY | 1 | $ 158,000 | $ 158,000 | $ 43,000 |
| Champaign-Urbana, IL | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Charleston, WV | 1 | $ 113,000 | $ 113,000 | $ 73,000 |
| Cheyenne, WY | 1 | $ 138,000 | $ 138,000 | $ 33,000 |
| Coeur D'Alene, ID | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Dalton, GA | 1 | $ 189,000 | $ 189,000 | $ 96,000 |
| Danville, IL | 1 | $ 93,000 | $ 93,000 | $ 41,000 |
| Dothan, AL | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
| Elizabethtown, KY | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Elkhart-Goshen, IN | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Grand Forks, ND-MN | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Green Bay, WI | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Jackson, TN | 1 | $ 143,000 | $ 143,000 | $ 37,000 |
| Jefferson City, MO | 1 | $ 160,000 | $ 160,000 | $ 179,000 |
| Kingston, NY | 1 | $ 270,000 | $ 270,000 | $ 67,000 |
| Kokomo, IN | 1 | $ 8,800,000 | $ 8,800,000 | $ 0 |
| Lafayette, IN | 1 | $ 132,000 | $ 132,000 | $ 216,000 |
| Lafayette, LA | 1 | $ 795,000 | $ 795,000 | $ 447,000 |
| Las Cruces, NM | 1 | $ 123,000 | $ 123,000 | $ 150,000 |
| Lebanon, PA | 1 | $ 47,000 | $ 47,000 | $ 7,000 |
| Lewiston, ID-WA | 1 | $ 199,000 | $ 199,000 | $ 79,000 |
| Logan, UT-ID | 1 | $ 271,000 | $ 271,000 | $ 91,000 |
| Mansfield, OH | 1 | $ 27,000 | $ 27,000 | $ 8,000 |
| Monroe, LA | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| Ocean City, NJ | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 64,000 | $ 64,000 | $ 19,000 |
| Peabody, MA | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Punta Gorda, FL | 1 | $ 238,000 | $ 238,000 | $ 360,000 |
| Racine, WI | 1 | $ 268,000 | $ 268,000 | $ 341,000 |
| Salisbury, MD | 1 | $ 133,000 | $ 133,000 | $ 95,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 281,000 | $ 281,000 | $ 375,000 |
| Springfield, OH | 1 | $ 160,000 | $ 160,000 | $ 139,000 |
| Syracuse, NY | 1 | $ 36,000 | $ 36,000 | $ 30,000 |
| Trenton-Ewing, NJ | 1 | $ 293,000 | $ 293,000 | $ 102,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Williamsport, PA | 1 | $ 184,000 | $ 184,000 | $ 200,000 |
| Worcester, MA | 1 | $ 146,000 | $ 146,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 14,650 | $4,241,816,000 | $289,000 | $99,763,000 | $94,000 | $7,780,000 |
| Refinancing | 6,600 | $1,609,979,000 | $243,000 | $4,200,000 | $98,000 | $4,278,000 |
| Home Improvement | 240 | $13,547,000 | $56,000 | $455,000 | $74,000 | $972,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 14,595 | $3,255,945,000 | $223,000 | $4,200,000 | $103,000 | $6,241,000 |
| Hispanic | 2,354 | $491,328,000 | $208,000 | $1,560,000 | $71,000 | $972,000 |
| Not Provided | 2,164 | $503,795,000 | $232,000 | $2,660,000 | $84,000 | $2,471,000 |
| Black or African American | 1,443 | $253,419,000 | $175,000 | $1,499,000 | $66,000 | $2,100,000 |
| Asian | 729 | $225,482,000 | $309,000 | $1,408,000 | $132,000 | $7,780,000 |
| Native Hawaiian or Other Pacific Islander | 90 | $25,815,000 | $286,000 | $700,000 | $88,000 | $336,000 |
| American Indian or Alaskan Native | 64 | $13,475,000 | $210,000 | $1,330,000 | $70,000 | $289,000 |
| Not applicable | 51 | $1,096,083,000 | $21,491,000 | $99,763,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 17,985 | $5,360,971,000 | $298,000 | $99,763,000 | $103,000 | $7,780,000 |
| FHA-insured (Federal Housing Administration) | 2,867 | $378,424,000 | $131,000 | $414,000 | $48,000 | $744,000 |
| VA-guaranteed (Veterans Administration) | 633 | $125,053,000 | $197,000 | $575,000 | $76,000 | $5,227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $894,000 | $178,000 | $260,000 | $57,000 | $89,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 20,690 | $4,666,337,000 | $225,000 | $3,587,000 | $96,000 | $7,780,000 |
| Application Denied By Financial Institution | 418 | $64,704,000 | $154,000 | $4,200,000 | $85,000 | $1,980,000 |
| Loan Originated | 245 | $1,114,714,000 | $4,549,000 | $99,763,000 | $54,000 | $353,000 |
| Application Approved But Not Accepted | 121 | $16,076,000 | $132,000 | $650,000 | $113,000 | $3,480,000 |
| Application Withdrawn By Applicant | 10 | $270,000 | $27,000 | $60,000 | $72,000 | $176,000 |
| File Closed For Incompleteness | 6 | $3,241,000 | $540,000 | $1,500,000 | $318,000 | $1,080,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 164 | $14,072,000 | $85,000 | $545,000 | $77,000 | $972,000 |
| Debt-To-Income Ratio | 145 | $21,386,000 | $147,000 | $1,500,000 | $48,000 | $234,000 |
| Collateral | 45 | $6,957,000 | $154,000 | $1,500,000 | $98,000 | $688,000 |
| Other | 40 | $16,701,000 | $417,000 | $4,200,000 | $219,000 | $1,980,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,820,000 | $227,000 | $480,000 | $168,000 | $499,000 |
| Credit Application Incomplete | 8 | $1,035,000 | $129,000 | $352,000 | $59,000 | $144,000 |
| Employment History | 6 | $1,461,000 | $243,000 | $367,000 | $109,000 | $290,000 |
| Unverifiable Information | 2 | $1,272,000 | $636,000 | $1,155,000 | $216,000 | $348,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guaranty Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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