Guaranty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Guaranty Bank 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Guaranty Bank 8333 Douglas Avenue Dallas, TX 75225 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 43,977 |
| Total Mortgage Loan Application Amount | $9,278,387,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $30,775,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $6,403,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Guaranty Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guaranty Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Guaranty Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guaranty Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Guaranty Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guaranty Bank's mortgage activity for 2008.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| CHICAGO-NAPERVILLE-JOLIET, IL | 3,415 | $ 898,628,000 | $ 263,000 | $ 113,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 2,465 | $ 463,183,000 | $ 187,000 | $ 84,000 |
| DALLAS-PLANO-IRVING, TX | 2,255 | $ 425,673,000 | $ 188,000 | $ 103,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2,137 | $ 344,188,000 | $ 162,000 | $ 66,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 1,743 | $ 291,827,000 | $ 167,000 | $ 107,000 |
| DENVER-AURORA, CO | 1,719 | $ 377,197,000 | $ 219,000 | $ 86,000 |
| FORT WORTH-ARLINGTON, TX | 1,691 | $ 232,181,000 | $ 137,000 | $ 80,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,651 | $ 513,926,000 | $ 311,000 | $ 88,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1,529 | $ 293,290,000 | $ 191,000 | $ 93,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 1,242 | $ 302,516,000 | $ 234,000 | $ 82,500 |
| SAN ANTONIO, TX | 1,061 | $ 135,563,000 | $ 127,000 | $ 75,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 777 | $ 245,060,000 | $ 315,000 | $ 125,000 |
| COLORADO SPRINGS, CO | 708 | $ 165,547,000 | $ 233,000 | $ 79,000 |
| AUSTIN-ROUND ROCK, TX | 678 | $ 110,728,000 | $ 163,000 | $ 110,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 646 | $ 198,706,000 | $ 298,250 | $ 104,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 595 | $ 198,377,000 | $ 333,000 | $ 132,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 574 | $ 106,176,000 | $ 184,000 | $ 85,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 508 | $ 175,508,000 | $ 345,000 | $ 117,000 |
| RALEIGH-CARY, NC | 488 | $ 89,274,000 | $ 182,000 | $ 74,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 451 | $ 99,215,000 | $ 219,000 | $ 87,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 420 | $ 97,914,000 | $ 233,000 | $ 112,000 |
| GREENSBORO-HIGH POINT, NC | 416 | $ 62,920,000 | $ 151,000 | $ 70,000 |
| ASHEVILLE, NC | 375 | $ 75,378,000 | $ 201,000 | $ 88,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 333 | $ 105,552,000 | $ 316,000 | $ 111,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 312 | $ 47,950,000 | $ 153,000 | $ 59,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 291 | $ 96,562,000 | $ 331,000 | $ 120,000 |
| BALTIMORE-TOWSON, MD | 243 | $ 63,439,000 | $ 261,000 | $ 98,000 |
| TACOMA, WA | 220 | $ 53,045,000 | $ 241,000 | $ 80,000 |
| EDISON-NEW BRUNSWICK, NJ | 215 | $ 57,295,000 | $ 266,000 | $ 91,000 |
| FAYETTEVILLE, NC | 211 | $ 33,326,000 | $ 157,000 | $ 60,000 |
| PHILADELPHIA, PA | 209 | $ 49,918,000 | $ 238,000 | $ 94,000 |
| SANTA ROSA-PETALUMA, CA | 209 | $ 57,541,000 | $ 275,000 | $ 97,000 |
| OKLAHOMA CITY, OK | 206 | $ 28,681,000 | $ 139,000 | $ 61,000 |
| WILMINGTON, NC | 204 | $ 38,018,000 | $ 186,000 | $ 92,000 |
| CORPUS CHRISTI, TX | 203 | $ 26,941,000 | $ 132,000 | $ 69,000 |
| BATON ROUGE, LA | 200 | $ 38,082,000 | $ 190,000 | $ 93,000 |
| MCALLEN-EDINBURG-MISSION, TX | 199 | $ 22,602,000 | $ 113,000 | $ 60,000 |
| BOULDER, CO | 191 | $ 49,858,000 | $ 261,000 | $ 100,000 |
| HONOLULU, HI | 191 | $ 89,691,000 | $ 469,000 | $ 102,000 |
| LAS VEGAS-PARADISE, NV | 187 | $ 41,499,000 | $ 221,000 | $ 90,000 |
| SHERMAN-DENISON, TX | 185 | $ 19,046,000 | $ 102,000 | $ 58,000 |
| BIRMINGHAM-HOOVER, AL | 180 | $ 27,197,000 | $ 151,000 | $ 64,000 |
| EUGENE-SPRINGFIELD, OR | 170 | $ 35,793,000 | $ 210,000 | $ 70,000 |
| MODESTO, CA | 170 | $ 24,313,000 | $ 143,000 | $ 89,000 |
| STOCKTON, CA | 169 | $ 29,333,000 | $ 173,000 | $ 101,000 |
| NEWARK-UNION, NJ-PA | 168 | $ 48,942,000 | $ 207,000 | $ 150,500 |
| BREMERTON-SILVERDALE, WA | 165 | $ 43,089,000 | $ 261,000 | $ 87,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 165 | $ 69,996,000 | $ 424,000 | $ 159,000 |
| HICKORY-LENOIR-MORGANTON, NC | 163 | $ 21,708,000 | $ 133,000 | $ 55,000 |
| SALEM, OR | 159 | $ 31,218,000 | $ 196,000 | $ 66,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 157 | $ 27,272,000 | $ 173,000 | $ 135,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 151 | $ 43,765,000 | $ 274,500 | $ 135,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 151 | $ 57,315,000 | $ 379,000 | $ 146,000 |
| TEXARKANA, TX-TEXARKANA, AR | 145 | $ 16,047,000 | $ 115,500 | $ 56,000 |
| CAMDEN, NJ | 141 | $ 29,039,000 | $ 205,000 | $ 78,000 |
| WINSTON-SALEM, NC | 139 | $ 18,830,000 | $ 135,000 | $ 58,000 |
| FRESNO, CA | 138 | $ 18,546,000 | $ 134,000 | $ 93,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 138 | $ 24,896,000 | $ 180,000 | $ 61,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 132 | $ 24,065,000 | $ 182,000 | $ 67,000 |
| VALLEJO-FAIRFIELD, CA | 131 | $ 31,685,000 | $ 241,000 | $ 93,000 |
| BEND, OR | 129 | $ 28,205,000 | $ 218,000 | $ 98,000 |
| SALT LAKE CITY, UT | 127 | $ 32,634,000 | $ 256,000 | $ 103,000 |
| BAKERSFIELD, CA | 126 | $ 14,743,000 | $ 117,000 | $ 96,000 |
| FORT COLLINS-LOVELAND, CO | 126 | $ 27,775,000 | $ 220,000 | $ 89,000 |
| SAVANNAH, GA | 124 | $ 20,338,000 | $ 164,000 | $ 81,000 |
| WILMINGTON, DE-MD-NJ | 120 | $ 25,669,000 | $ 188,666 | $ 61,000 |
| ALBUQUERQUE, NM | 118 | $ 21,617,000 | $ 183,000 | $ 82,000 |
| ORLANDO-KISSIMMEE, FL | 116 | $ 52,774,000 | $ 454,000 | $ 76,000 |
| GREELEY, CO | 112 | $ 20,547,000 | $ 183,000 | $ 84,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 111 | $ 40,403,000 | $ 382,000 | $ 112,500 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 111 | $ 38,213,000 | $ 344,000 | $ 117,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 110 | $ 14,457,000 | $ 131,000 | $ 58,000 |
| TYLER, TX | 109 | $ 12,397,000 | $ 113,000 | $ 61,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 98 | $ 19,343,000 | $ 197,000 | $ 67,000 |
| TULSA, OK | 94 | $ 13,590,000 | $ 144,000 | $ 69,000 |
| DURHAM, NC | 91 | $ 16,851,000 | $ 185,000 | $ 81,000 |
| PROVO-OREM, UT | 81 | $ 18,151,000 | $ 224,000 | $ 75,000 |
| YUBA CITY, CA | 81 | $ 11,982,000 | $ 147,000 | $ 81,000 |
| OLYMPIA, WA | 80 | $ 18,840,000 | $ 235,000 | $ 79,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 80 | $ 19,435,000 | $ 242,000 | $ 71,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 77 | $ 11,543,000 | $ 154,500 | $ 71,000 |
| WENATCHEE, WA | 76 | $ 16,105,000 | $ 211,000 | $ 75,000 |
| MEMPHIS, TN-MS-AR | 73 | $ 12,095,000 | $ 153,500 | $ 74,000 |
| YAKIMA, WA | 70 | $ 12,278,000 | $ 175,000 | $ 76,000 |
| ST. LOUIS, MO-IL | 69 | $ 12,446,000 | $ 180,000 | $ 74,000 |
| CHATTANOOGA, TN-GA | 67 | $ 37,416,000 | $ 517,500 | $ 66,500 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 67 | $ 5,182,000 | $ 77,000 | $ 100,000 |
| MERCED, CA | 66 | $ 9,371,000 | $ 141,000 | $ 91,000 |
| INDIANAPOLIS-CARMEL, IN | 65 | $ 10,074,000 | $ 154,000 | $ 73,000 |
| JACKSONVILLE, FL | 64 | $ 35,839,000 | $ 559,000 | $ 164,000 |
| MACON, GA | 63 | $ 9,005,000 | $ 142,000 | $ 57,000 |
| CAPE CORAL-FORT MYERS, FL | 62 | $ 13,546,000 | $ 218,000 | $ 147,000 |
| BOISE CITY-NAMPA, ID | 58 | $ 10,079,000 | $ 173,000 | $ 71,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 57 | $ 12,490,000 | $ 219,000 | $ 88,000 |
| KNOXVILLE, TN | 57 | $ 9,628,000 | $ 168,000 | $ 78,000 |
| ATHENS-CLARKE COUNTY, GA | 56 | $ 8,446,000 | $ 150,000 | $ 104,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 55 | $ 9,816,000 | $ 174,333 | $ 67,666 |
| MEDFORD, OR | 55 | $ 11,234,000 | $ 204,000 | $ 76,000 |
| OGDEN-CLEARFIELD, UT | 55 | $ 10,639,000 | $ 193,000 | $ 67,000 |
| RICHMOND, VA | 51 | $ 11,463,000 | $ 224,000 | $ 63,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 50 | $ 12,082,000 | $ 241,000 | $ 98,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 48 | $ 10,708,000 | $ 226,000 | $ 71,500 |
| VISALIA-PORTERVILLE, CA | 48 | $ 3,826,000 | $ 79,000 | $ 99,000 |
| SALINAS, CA | 47 | $ 12,911,000 | $ 274,000 | $ 107,000 |
| VALDOSTA, GA | 47 | $ 8,000,000 | $ 170,000 | $ 68,000 |
| COLUMBIA, SC | 46 | $ 7,879,000 | $ 171,000 | $ 113,000 |
| BEAUMONT-PORT ARTHUR, TX | 45 | $ 2,813,000 | $ 62,000 | $ 93,000 |
| GARY, IN | 44 | $ 8,309,000 | $ 188,000 | $ 104,000 |
| BURLINGTON, NC | 42 | $ 5,379,000 | $ 128,000 | $ 63,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 42 | $ 6,387,000 | $ 152,000 | $ 72,000 |
| BRUNSWICK, GA | 40 | $ 6,598,000 | $ 164,000 | $ 62,000 |
| NAPLES-MARCO ISLAND, FL | 40 | $ 13,369,000 | $ 334,000 | $ 212,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 40 | $ 12,919,000 | $ 322,000 | $ 123,000 |
| GAINESVILLE, GA | 39 | $ 7,437,000 | $ 190,000 | $ 76,000 |
| KANSAS CITY, MO-KS | 39 | $ 6,365,000 | $ 173,500 | $ 69,500 |
| LAKE HAVASU CITY-KINGMAN, AZ | 39 | $ 7,180,000 | $ 184,000 | $ 110,000 |
| HINESVILLE-FORT STEWART, GA | 38 | $ 5,461,000 | $ 143,000 | $ 51,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 38 | $ 8,375,000 | $ 220,000 | $ 83,000 |
| NAPA, CA | 38 | $ 14,464,000 | $ 380,000 | $ 210,000 |
| REDDING, CA | 38 | $ 7,830,000 | $ 206,000 | $ 121,000 |
| BROWNSVILLE-HARLINGEN, TX | 37 | $ 3,711,000 | $ 100,000 | $ 61,000 |
| FLINT, MI | 37 | $ 5,760,000 | $ 155,000 | $ 59,000 |
| PANAMA CITY-LYNN HAVEN, FL | 34 | $ 7,690,000 | $ 226,000 | $ 142,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 33 | $ 5,175,000 | $ 137,000 | $ 62,000 |
| TUCSON, AZ | 32 | $ 5,997,000 | $ 187,000 | $ 74,000 |
| GRAND RAPIDS-WYOMING, MI | 30 | $ 4,128,000 | $ 137,000 | $ 55,000 |
| MOBILE, AL | 30 | $ 4,048,000 | $ 134,000 | $ 60,000 |
| SPARTANBURG, SC | 30 | $ 3,696,000 | $ 123,000 | $ 68,000 |
| WACO, TX | 29 | $ 2,156,000 | $ 74,000 | $ 77,000 |
| HUNTSVILLE, AL | 28 | $ 4,493,000 | $ 160,000 | $ 72,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 28 | $ 5,921,000 | $ 211,000 | $ 80,000 |
| SPOKANE, WA | 27 | $ 4,863,000 | $ 180,000 | $ 77,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 26 | $ 4,294,000 | $ 165,000 | $ 57,000 |
| COLLEGE STATION-BRYAN, TX | 25 | $ 1,902,000 | $ 76,000 | $ 103,000 |
| COLUMBUS, GA-AL | 25 | $ 3,782,000 | $ 146,000 | $ 51,500 |
| KENNEWICK-PASCO-RICHLAND, WA | 25 | $ 4,645,000 | $ 185,000 | $ 70,000 |
| WARNER ROBINS, GA | 25 | $ 3,572,000 | $ 142,000 | $ 66,000 |
| LONGVIEW, TX | 24 | $ 2,553,000 | $ 106,000 | $ 71,000 |
| LONGVIEW, WA | 24 | $ 4,294,000 | $ 178,000 | $ 58,000 |
| PUEBLO, CO | 24 | $ 3,900,000 | $ 162,000 | $ 65,000 |
| SANTA CRUZ-WATSONVILLE, CA | 24 | $ 7,573,000 | $ 315,000 | $ 167,000 |
| BOSTON-QUINCY, MA | 23 | $ 5,911,000 | $ 257,000 | $ 99,000 |
| BRADENTON-SARASOTA-VENICE, FL | 23 | $ 5,932,000 | $ 257,000 | $ 133,000 |
| CHICO, CA | 23 | $ 3,930,000 | $ 170,000 | $ 70,000 |
| LYNCHBURG, VA | 23 | $ 2,848,000 | $ 123,000 | $ 58,000 |
| MONTGOMERY, AL | 23 | $ 3,259,000 | $ 141,000 | $ 53,000 |
| EL PASO, TX | 22 | $ 3,117,000 | $ 141,000 | $ 66,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 22 | $ 4,987,000 | $ 226,000 | $ 95,000 |
| MADERA, CA | 22 | $ 2,942,000 | $ 133,000 | $ 96,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 22 | $ 4,167,000 | $ 189,000 | $ 68,000 |
| TRENTON-EWING, NJ | 22 | $ 5,596,000 | $ 254,000 | $ 90,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 21 | $ 3,123,000 | $ 148,000 | $ 58,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 20 | $ 4,515,000 | $ 225,000 | $ 95,000 |
| LANSING-EAST LANSING, MI | 20 | $ 2,630,000 | $ 131,000 | $ 46,000 |
| LAREDO, TX | 19 | $ 2,398,000 | $ 126,000 | $ 67,000 |
| PITTSBURGH, PA | 19 | $ 2,491,000 | $ 131,000 | $ 77,000 |
| ST. GEORGE, UT | 18 | $ 6,674,000 | $ 370,000 | $ 118,000 |
| CORVALLIS, OR | 17 | $ 3,347,000 | $ 196,000 | $ 73,000 |
| MIDLAND, TX | 17 | $ 2,586,000 | $ 152,000 | $ 343,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 17 | $ 3,283,000 | $ 193,000 | $ 108,000 |
| SAN ANGELO, TX | 17 | $ 1,727,000 | $ 101,000 | $ 59,000 |
| ANCHORAGE, AK | 16 | $ 4,697,000 | $ 293,000 | $ 107,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 16 | $ 4,538,000 | $ 283,000 | $ 91,000 |
| EL CENTRO, CA | 16 | $ 2,176,000 | $ 136,000 | $ 65,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 16 | $ 3,428,000 | $ 194,500 | $ 84,000 |
| ALBANY, GA | 15 | $ 2,237,000 | $ 149,000 | $ 71,000 |
| ANN ARBOR, MI | 15 | $ 3,302,000 | $ 220,000 | $ 96,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 15 | $ 2,425,000 | $ 161,000 | $ 289,000 |
| LAKELAND-WINTER HAVEN, FL | 15 | $ 2,360,000 | $ 157,000 | $ 83,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 15 | $ 3,570,000 | $ 238,000 | $ 85,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 15 | $ 4,480,000 | $ 298,000 | $ 98,000 |
| CHARLOTTESVILLE, VA | 14 | $ 3,009,000 | $ 214,000 | $ 111,000 |
| NEW HAVEN-MILFORD, CT | 14 | $ 3,019,000 | $ 215,000 | $ 86,000 |
| OCALA, FL | 14 | $ 2,806,000 | $ 200,000 | $ 77,000 |
| ROCKY MOUNT, NC | 14 | $ 1,770,000 | $ 126,000 | $ 52,000 |
| BAY CITY, MI | 13 | $ 984,000 | $ 75,000 | $ 36,000 |
| COLUMBUS, OH | 13 | $ 2,449,000 | $ 188,000 | $ 79,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 13 | $ 1,683,000 | $ 129,000 | $ 47,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 12 | $ 2,561,000 | $ 213,000 | $ 97,000 |
| HOLLAND-GRAND HAVEN, MI | 12 | $ 1,559,000 | $ 129,000 | $ 86,000 |
| JACKSON, MS | 12 | $ 1,837,000 | $ 153,000 | $ 93,000 |
| KALAMAZOO-PORTAGE, MI | 12 | $ 1,732,000 | $ 144,000 | $ 53,000 |
| MONROE, MI | 12 | $ 1,481,000 | $ 123,000 | $ 40,000 |
| PRESCOTT, AZ | 12 | $ 2,587,000 | $ 215,000 | $ 82,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 12 | $ 1,360,000 | $ 113,000 | $ 51,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 11 | $ 1,682,000 | $ 152,000 | $ 65,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 11 | $ 5,085,000 | $ 462,000 | $ 145,000 |
| CLARKSVILLE, TN-KY | 11 | $ 1,354,000 | $ 87,500 | $ 50,000 |
| DOTHAN, AL | 11 | $ 1,790,000 | $ 162,000 | $ 50,000 |
| FARGO, ND-MN | 11 | $ 1,576,000 | $ 140,500 | $ 111,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 11 | $ 2,002,000 | $ 182,000 | $ 87,000 |
| FLORENCE, SC | 11 | $ 1,351,000 | $ 122,000 | $ 41,000 |
| GREENVILLE, NC | 11 | $ 1,330,000 | $ 120,000 | $ 44,000 |
| HANFORD-CORCORAN, CA | 11 | $ 1,631,000 | $ 148,000 | $ 92,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 11 | $ 2,779,000 | $ 252,000 | $ 145,000 |
| WORCESTER, MA | 11 | $ 2,541,000 | $ 231,000 | $ 117,000 |
| AMARILLO, TX | 10 | $ 1,446,000 | $ 144,000 | $ 83,000 |
| GRAND JUNCTION, CO | 10 | $ 2,009,000 | $ 200,000 | $ 64,000 |
| JACKSON, MI | 10 | $ 1,114,000 | $ 111,000 | $ 53,000 |
| MOUNT VERNON-ANACORTES, WA | 10 | $ 2,698,000 | $ 269,000 | $ 93,000 |
| NASSAU-SUFFOLK, NY | 10 | $ 4,007,000 | $ 400,000 | $ 129,000 |
| ROME, GA | 10 | $ 911,000 | $ 91,000 | $ 78,000 |
| DAYTON, OH | 9 | $ 1,061,000 | $ 117,000 | $ 41,000 |
| HATTIESBURG, MS | 9 | $ 1,551,000 | $ 172,000 | $ 153,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 9 | $ 1,442,000 | $ 160,000 | $ 64,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 9 | $ 1,065,000 | $ 118,000 | $ 45,000 |
| PEABODY, MA | 9 | $ 2,525,000 | $ 280,000 | $ 80,000 |
| PORT ST. LUCIE, FL | 9 | $ 1,072,000 | $ 119,000 | $ 40,000 |
| PUNTA GORDA, FL | 9 | $ 1,432,000 | $ 159,000 | $ 58,000 |
| TUSCALOOSA, AL | 9 | $ 1,208,000 | $ 134,000 | $ 44,000 |
| YORK-HANOVER, PA | 9 | $ 1,335,000 | $ 148,000 | $ 69,000 |
| ABILENE, TX | 8 | $ 1,077,000 | $ 134,000 | $ 69,000 |
| ANDERSON, SC | 8 | $ 1,356,000 | $ 169,000 | $ 60,000 |
| BELLINGHAM, WA | 8 | $ 1,976,000 | $ 247,000 | $ 108,000 |
| DES MOINES-WEST DES MOINES, IA | 8 | $ 1,251,000 | $ 156,000 | $ 64,000 |
| DOVER, DE | 8 | $ 1,400,000 | $ 175,000 | $ 80,000 |
| FLAGSTAFF, AZ | 8 | $ 3,098,000 | $ 387,000 | $ 205,000 |
| LEXINGTON-FAYETTE, KY | 8 | $ 1,347,000 | $ 168,000 | $ 76,000 |
| OCEAN CITY, NJ | 8 | $ 2,345,000 | $ 293,000 | $ 209,000 |
| RENO-SPARKS, NV | 8 | $ 2,601,000 | $ 325,000 | $ 98,000 |
| ROCKFORD, IL | 8 | $ 1,484,000 | $ 185,000 | $ 94,000 |
| SANTA FE, NM | 8 | $ 2,045,000 | $ 255,000 | $ 114,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 8 | $ 1,375,000 | $ 168,500 | $ 135,000 |
| VICTORIA, TX | 8 | $ 865,000 | $ 108,000 | $ 112,000 |
| DECATUR, AL | 7 | $ 1,220,000 | $ 174,000 | $ 70,000 |
| HARRISBURG-CARLISLE, PA | 7 | $ 1,177,000 | $ 168,000 | $ 70,000 |
| LAKE CHARLES, LA | 7 | $ 919,000 | $ 131,000 | $ 73,000 |
| LOGAN, UT-ID | 7 | $ 1,070,000 | $ 152,000 | $ 54,000 |
| LUBBOCK, TX | 7 | $ 919,000 | $ 131,000 | $ 46,000 |
| MANCHESTER-NASHUA, NH | 7 | $ 1,637,000 | $ 233,000 | $ 138,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 7 | $ 1,520,000 | $ 217,000 | $ 87,000 |
| ELKHART-GOSHEN, IN | 6 | $ 782,000 | $ 130,000 | $ 30,000 |
| EVANSVILLE, IN-KY | 6 | $ 761,000 | $ 126,000 | $ 76,000 |
| HARRISONBURG, VA | 6 | $ 1,101,000 | $ 183,000 | $ 106,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 6 | $ 867,000 | $ 144,000 | $ 60,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 6 | $ 819,000 | $ 138,500 | $ 66,000 |
| NILES-BENTON HARBOR, MI | 6 | $ 1,296,000 | $ 216,000 | $ 169,000 |
| ODESSA, TX | 6 | $ 701,000 | $ 116,000 | $ 55,000 |
| SCRANTON--WILKES-BARRE, PA | 6 | $ 897,000 | $ 149,000 | $ 71,000 |
| SPRINGFIELD, MO | 6 | $ 853,000 | $ 142,000 | $ 61,000 |
| AUBURN-OPELIKA, AL | 5 | $ 724,000 | $ 144,000 | $ 270,000 |
| BARNSTABLE TOWN, MA | 5 | $ 1,282,000 | $ 256,000 | $ 101,000 |
| BOWLING GREEN, KY | 5 | $ 756,000 | $ 151,000 | $ 52,000 |
| CHEYENNE, WY | 5 | $ 1,047,000 | $ 209,000 | $ 116,000 |
| GULFPORT-BILOXI, MS | 5 | $ 796,000 | $ 159,000 | $ 120,000 |
| IDAHO FALLS, ID | 5 | $ 754,000 | $ 150,000 | $ 43,000 |
| KINGSTON, NY | 5 | $ 857,000 | $ 171,000 | $ 41,000 |
| LEWISTON-AUBURN, ME | 5 | $ 889,000 | $ 177,000 | $ 64,000 |
| MUSKEGON-NORTON SHORES, MI | 5 | $ 630,000 | $ 126,000 | $ 45,000 |
| READING, PA | 5 | $ 911,000 | $ 182,000 | $ 76,000 |
| SALISBURY, MD | 5 | $ 805,000 | $ 161,000 | $ 49,000 |
| SHREVEPORT-BOSSIER CITY, LA | 5 | $ 827,000 | $ 165,000 | $ 63,000 |
| SPRINGFIELD, MA | 5 | $ 808,000 | $ 161,000 | $ 43,000 |
| WICHITA, KS | 5 | $ 906,000 | $ 181,000 | $ 75,000 |
| CHAMPAIGN-URBANA, IL | 4 | $ 747,000 | $ 186,000 | $ 116,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 4 | $ 708,000 | $ 179,500 | $ 61,500 |
| ELIZABETHTOWN, KY | 4 | $ 513,000 | $ 128,000 | $ 62,000 |
| FARMINGTON, NM | 4 | $ 572,000 | $ 143,000 | $ 58,000 |
| FLORENCE-MUSCLE SHOALS, AL | 4 | $ 703,000 | $ 175,000 | $ 57,000 |
| FORT SMITH, AR-OK | 4 | $ 657,000 | $ 164,000 | $ 85,000 |
| FORT WAYNE, IN | 4 | $ 1,122,000 | $ 280,000 | $ 130,000 |
| GAINESVILLE, FL | 4 | $ 526,000 | $ 131,000 | $ 67,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 4 | $ 460,000 | $ 127,666 | $ 55,666 |
| JACKSONVILLE, NC | 4 | $ 610,000 | $ 152,000 | $ 61,000 |
| JOHNSON CITY, TN | 4 | $ 508,000 | $ 127,000 | $ 59,000 |
| LAFAYETTE, LA | 4 | $ 592,000 | $ 148,000 | $ 55,000 |
| LAS CRUCES, NM | 4 | $ 850,000 | $ 212,000 | $ 147,000 |
| MISSOULA, MT | 4 | $ 1,005,000 | $ 251,000 | $ 83,000 |
| MORRISTOWN, TN | 4 | $ 599,000 | $ 149,000 | $ 63,000 |
| NORWICH-NEW LONDON, CT | 4 | $ 878,000 | $ 219,000 | $ 71,000 |
| PALM COAST, FL | 4 | $ 756,000 | $ 189,000 | $ 58,000 |
| PEORIA, IL | 4 | $ 479,000 | $ 119,000 | $ 52,000 |
| ROANOKE, VA | 4 | $ 690,000 | $ 172,000 | $ 101,000 |
| TALLAHASSEE, FL | 4 | $ 523,000 | $ 130,000 | $ 108,000 |
| ALBANY-SCHENECTADY-TROY, NY | 3 | $ 570,000 | $ 190,000 | $ 95,000 |
| BLOOMINGTON-NORMAL, IL | 3 | $ 853,000 | $ 284,000 | $ 100,000 |
| BUFFALO-NIAGARA FALLS, NY | 3 | $ 614,000 | $ 204,000 | $ 121,000 |
| CLEVELAND, TN | 3 | $ 420,000 | $ 140,000 | $ 81,000 |
| COEUR D'ALENE, ID | 3 | $ 468,000 | $ 156,000 | $ 64,000 |
| COLUMBIA, MO | 3 | $ 411,000 | $ 137,000 | $ 51,000 |
| DULUTH, MN-WI | 3 | $ 907,000 | $ 307,500 | $ 90,000 |
| JOPLIN, MO | 3 | $ 260,000 | $ 86,000 | $ 43,000 |
| KANKAKEE-BRADLEY, IL | 3 | $ 462,000 | $ 154,000 | $ 73,000 |
| MICHIGAN CITY-LA PORTE, IN | 3 | $ 567,000 | $ 189,000 | $ 287,000 |
| MONROE, LA | 3 | $ 359,000 | $ 119,000 | $ 53,000 |
| MUNCIE, IN | 3 | $ 395,000 | $ 131,000 | $ 67,000 |
| STATE COLLEGE, PA | 3 | $ 559,000 | $ 186,000 | $ 59,000 |
| SYRACUSE, NY | 3 | $ 9,654,000 | $ 3,218,000 | $ 36,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 3 | $ 460,000 | $ 153,000 | $ 48,000 |
| WICHITA FALLS, TX | 3 | $ 429,000 | $ 143,000 | $ 116,000 |
| WINCHESTER, VA-WV | 3 | $ 686,000 | $ 191,500 | $ 64,500 |
| ALTOONA, PA | 2 | $ 246,000 | $ 123,000 | $ 65,000 |
| AMES, IA | 2 | $ 343,000 | $ 171,000 | $ 95,000 |
| ANDERSON, IN | 2 | $ 215,000 | $ 107,000 | $ 32,000 |
| ANNISTON-OXFORD, AL | 2 | $ 259,000 | $ 129,000 | $ 81,000 |
| BATTLE CREEK, MI | 2 | $ 210,000 | $ 105,000 | $ 16,000 |
| BISMARCK, ND | 2 | $ 363,000 | $ 181,000 | $ 63,000 |
| BLOOMINGTON, IN | 2 | $ 187,000 | $ 93,000 | $ 65,000 |
| COLUMBUS, IN | 2 | $ 338,000 | $ 169,000 | $ 64,000 |
| CUMBERLAND, MD-WV | 2 | $ 407,000 | $ 203,000 | $ 82,000 |
| DANVILLE, VA | 2 | $ 282,000 | $ 141,000 | $ 33,000 |
| GADSDEN, AL | 2 | $ 157,000 | $ 78,000 | $ 48,000 |
| HOT SPRINGS, AR | 2 | $ 228,000 | $ 114,000 | $ 17,000 |
| JACKSON, TN | 2 | $ 280,000 | $ 140,000 | $ 33,000 |
| KOKOMO, IN | 2 | $ 471,000 | $ 235,000 | $ 92,000 |
| LAFAYETTE, IN | 2 | $ 287,000 | $ 143,000 | $ 56,000 |
| LINCOLN, NE | 2 | $ 281,000 | $ 140,000 | $ 1,065,000 |
| PASCAGOULA, MS | 2 | $ 329,000 | $ 164,000 | $ 83,000 |
| RACINE, WI | 2 | $ 205,000 | $ 102,000 | $ 66,000 |
| ROCHESTER, MN | 2 | $ 203,000 | $ 101,000 | $ 34,000 |
| SUMTER, SC | 2 | $ 349,000 | $ 174,000 | $ 119,000 |
| TOPEKA, KS | 2 | $ 81,000 | $ 40,000 | $ 32,000 |
| UTICA-ROME, NY | 2 | $ 168,000 | $ 84,000 | $ 60,000 |
| AKRON, OH | 1 | $ 108,000 | $ 108,000 | $ 29,000 |
| BILLINGS, MT | 1 | $ 237,000 | $ 237,000 | $ 48,000 |
| CANTON-MASSILLON, OH | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| CARSON CITY, NV | 1 | $ 163,000 | $ 163,000 | $ 86,000 |
| CASPER, WY | 1 | $ 99,000 | $ 99,000 | $ 69,000 |
| CEDAR RAPIDS, IA | 1 | $ 176,000 | $ 176,000 | $ 108,000 |
| CHARLESTON, WV | 1 | $ 256,000 | $ 256,000 | $ 109,000 |
| DALTON, GA | 1 | $ 189,000 | $ 189,000 | $ 81,000 |
| DANVILLE, IL | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| FOND DU LAC, WI | 1 | $ 258,000 | $ 258,000 | $ 0 |
| GREEN BAY, WI | 1 | $ 250,000 | $ 250,000 | $ 134,000 |
| JANESVILLE, WI | 1 | $ 154,000 | $ 154,000 | $ 81,000 |
| JEFFERSON CITY, MO | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| JONESBORO, AR | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| LANCASTER, PA | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| LEBANON, PA | 1 | $ 178,000 | $ 178,000 | $ 95,000 |
| LIMA, OH | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| MADISON, WI | 1 | $ 380,000 | $ 380,000 | $ 0 |
| MANSFIELD, OH | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| POCATELLO, ID | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| ROCHESTER, NY | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| SHEBOYGAN, WI | 1 | $ 393,000 | $ 393,000 | $ 255,000 |
| SPRINGFIELD, IL | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| SPRINGFIELD, OH | 1 | $ 74,000 | $ 74,000 | $ 73,000 |
| TOLEDO, OH | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| YUMA, AZ | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 27,490 | $5,887,856,000 | $214,000 | $30,775,000 | $85,000 | $3,140,000 |
| Refinancing | 13,757 | $3,260,805,000 | $237,000 | $3,022,000 | $97,000 | $6,403,000 |
| Home Improvement | 2,730 | $129,726,000 | $47,000 | $420,000 | $127,000 | $1,626,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 30,595 | $6,351,526,000 | $207,000 | $3,000,000 | $97,000 | $3,140,000 |
| Hispanic | 5,319 | $988,360,000 | $185,000 | $3,022,000 | $69,000 | $883,000 |
| Black or African American | 3,348 | $574,993,000 | $171,000 | $1,139,000 | $67,000 | $6,403,000 |
| Not Provided | 2,509 | $515,784,000 | $205,000 | $1,500,000 | $90,000 | $1,380,000 |
| Asian | 1,890 | $502,513,000 | $265,000 | $1,200,000 | $101,000 | $887,000 |
| Native Hawaiian or Other Pacific Islander | 164 | $43,944,000 | $267,000 | $626,000 | $112,000 | $693,000 |
| American Indian or Alaskan Native | 138 | $28,509,000 | $206,000 | $989,000 | $79,000 | $792,000 |
| Not applicable | 14 | $272,758,000 | $19,482,000 | $30,775,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 25,752 | $5,896,794,000 | $228,000 | $30,775,000 | $110,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 16,018 | $2,902,730,000 | $181,000 | $3,022,000 | $64,000 | $6,403,000 |
| VA-guaranteed (Veterans Administration) | 2,139 | $467,374,000 | $218,000 | $989,000 | $66,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $11,489,000 | $168,000 | $511,000 | $55,000 | $170,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 41,255 | $8,820,667,000 | $213,000 | $3,022,000 | $88,000 | $6,403,000 |
| Application Denied By Financial Institution | 1,413 | $76,555,000 | $54,000 | $1,680,000 | $122,000 | $1,626,000 |
| Loan Originated | 930 | $312,366,000 | $335,000 | $30,775,000 | $131,000 | $960,000 |
| Application Withdrawn By Applicant | 274 | $11,943,000 | $43,000 | $152,000 | $137,000 | $540,000 |
| Application Approved But Not Accepted | 77 | $30,751,000 | $399,000 | $2,015,000 | $177,000 | $1,080,000 |
| File Closed For Incompleteness | 28 | $26,105,000 | $932,000 | $2,660,000 | $271,000 | $1,209,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 495 | $22,123,000 | $44,000 | $1,230,000 | $100,000 | $540,000 |
| Collateral | 422 | $23,430,000 | $55,000 | $1,500,000 | $136,000 | $1,626,000 |
| Other | 212 | $12,897,000 | $60,000 | $1,680,000 | $148,000 | $1,229,000 |
| Credit Application Incomplete | 162 | $6,769,000 | $41,000 | $110,000 | $132,000 | $600,000 |
| Debt-To-Income Ratio | 102 | $8,193,000 | $80,000 | $1,035,000 | $99,000 | $480,000 |
| Unverifiable Information | 18 | $2,557,000 | $142,000 | $1,470,000 | $136,000 | $480,000 |
| Employment History | 2 | $586,000 | $293,000 | $559,000 | $112,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guaranty Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.