Guaranty Bank, FSB Mortgage Lending & HMDA Data, 2004

In 2004, Guaranty Bank, FSB of Brown Deer, WI reported 44,989 mortgage applications totaling $5.1 billion, down 29% from 2003. The average application was for $112,945, and applicants reported an average income of $72,925. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,923), Atlanta-Sandy Springs-Marietta, GA (3,244) and Milwaukee-Waukesha-West Allis, WI (1,818) (applications in parentheses).

Mortgage Company & Address Guaranty Bank, FSB
4000 W Brown Deer Road
Brown Deer, WI 53209
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 44,989
Total Mortgage Loan Application Amount $5,081,293,000
Average Mortgage Loan Application Amount $112,945
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $72,925
Highest Applicant Income $6,098,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Guaranty Bank, FSB by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 2,379 $ 306,911,000 $ 129,008 $ 70,000
Maricopa, Arizona 1,745 $ 139,893,000 $ 80,167 $ 73,000
Los Angeles, California 1,167 $ 300,704,000 $ 257,672 $ 103,000
Milwaukee, Wisconsin 1,048 $ 86,502,000 $ 82,540 $ 60,000
Gwinnett, Georgia 988 $ 113,707,000 $ 115,088 $ 64,000
Dane, Wisconsin 745 $ 82,689,000 $ 110,991 $ 79,000
Charleston, South Carolina 732 $ 91,441,000 $ 124,919 $ 67,000
King, Washington 689 $ 65,594,000 $ 95,201 $ 76,000
Brevard, Florida 673 $ 77,719,000 $ 115,481 $ 60,000
DuPage, Illinois 610 $ 91,018,000 $ 149,209 $ 74,000
Middlesex, Massachusetts 579 $ 120,676,000 $ 208,421 $ 87,000
Lane, Oregon 520 $ 67,110,000 $ 129,057 $ 56,000
Dallas, Texas 464 $ 56,922,000 $ 122,676 $ 74,000
Worcester, Massachusetts 457 $ 74,642,000 $ 163,330 $ 69,000
Essex, Massachusetts 453 $ 93,209,000 $ 205,759 $ 79,000
DeKalb, Georgia 435 $ 52,600,000 $ 120,919 $ 82,000
Snohomish, Washington 429 $ 38,034,000 $ 88,657 $ 62,000
Waukesha, Wisconsin 395 $ 32,496,000 $ 82,268 $ 82,000
Will, Illinois 370 $ 42,677,000 $ 115,343 $ 79,000
Fulton, Georgia 356 $ 38,336,000 $ 107,685 $ 86,000
San Diego, California 348 $ 73,185,000 $ 210,301 $ 90,000
Volusia, Florida 333 $ 37,568,000 $ 112,816 $ 55,000
Norfolk, Massachusetts 327 $ 63,801,000 $ 195,110 $ 90,000
Multnomah, Oregon 326 $ 31,864,000 $ 97,742 $ 65,000
Clark, Nevada 324 $ 20,546,000 $ 63,413 $ 87,000
Montgomery, Pennsylvania 322 $ 47,789,000 $ 148,413 $ 88,000
Orange, California 314 $ 82,783,000 $ 263,640 $ 122,000
Broward, Florida 306 $ 37,080,000 $ 121,176 $ 79,000
Bristol, Massachusetts 296 $ 47,175,000 $ 159,375 $ 71,000
Lake, Illinois 288 $ 35,324,000 $ 122,652 $ 74,000
Hennepin, Minnesota 288 $ 16,269,000 $ 56,489 $ 72,000
Providence, Rhode Island 280 $ 38,141,000 $ 136,217 $ 67,000
Fairfax, Virginia 280 $ 64,951,000 $ 231,967 $ 94,000
Lee, Florida 279 $ 33,765,000 $ 121,021 $ 60,000
Cobb, Georgia 276 $ 23,908,000 $ 86,623 $ 81,000
Winnebago, Illinois 275 $ 24,125,000 $ 87,727 $ 52,000
Plymouth, Massachusetts 271 $ 43,863,000 $ 161,856 $ 73,000
Kane, Illinois 266 $ 34,008,000 $ 127,849 $ 69,000
Hall, Georgia 263 $ 29,186,000 $ 110,973 $ 70,000
Hamilton, Ohio 256 $ 9,528,000 $ 37,218 $ 72,000
Miami-Dade, Florida 253 $ 30,418,000 $ 120,229 $ 76,000
Deschutes, Oregon 249 $ 41,190,000 $ 165,421 $ 68,000
Riverside, California 247 $ 33,395,000 $ 135,202 $ 98,000
Washington, Oregon 244 $ 23,959,000 $ 98,192 $ 62,000
Spokane, Washington 238 $ 22,402,000 $ 94,126 $ 47,000
Chester, Pennsylvania 233 $ 40,287,000 $ 172,905 $ 113,000
Marion, Indiana 230 $ 20,781,000 $ 90,352 $ 52,000
Suffolk, Massachusetts 230 $ 48,007,000 $ 208,726 $ 75,000
Dorchester, South Carolina 229 $ 26,113,000 $ 114,030 $ 59,000
Arapahoe, Colorado 219 $ 10,426,000 $ 47,607 $ 73,000
Jefferson, Colorado 211 $ 11,466,000 $ 54,341 $ 76,000
Pierce, Washington 211 $ 15,062,000 $ 71,383 $ 62,000
Alameda, California 207 $ 45,837,000 $ 221,434 $ 92,000
Barrow, Georgia 206 $ 21,007,000 $ 101,975 $ 66,000
McHenry, Illinois 203 $ 25,368,000 $ 124,965 $ 63,000
Washington, Wisconsin 194 $ 15,478,000 $ 79,783 $ 69,000
Ventura, California 187 $ 48,069,000 $ 257,053 $ 117,000
Denver, Colorado 185 $ 9,742,000 $ 52,659 $ 65,000
Flagler, Florida 182 $ 20,457,000 $ 112,401 $ 48,000
Ozaukee, Wisconsin 181 $ 24,856,000 $ 137,325 $ 95,000
Delaware, Pennsylvania 180 $ 27,886,000 $ 154,922 $ 76,000
San Bernardino, California 175 $ 25,461,000 $ 145,491 $ 79,000
Hillsborough, Florida 175 $ 12,776,000 $ 73,005 $ 68,000
Clackamas, Oregon 175 $ 21,988,000 $ 125,645 $ 76,000
St. Lucie, Florida 173 $ 21,307,000 $ 123,161 $ 54,000
Forsyth, Georgia 173 $ 17,823,000 $ 103,023 $ 72,000
Clark, Washington 173 $ 17,182,000 $ 99,317 $ 74,000
Mecklenburg, North Carolina 170 $ 6,797,000 $ 39,982 $ 71,000
Berkeley, South Carolina 168 $ 20,163,000 $ 120,017 $ 61,000
Douglas, Colorado 167 $ 13,071,000 $ 78,269 $ 96,000
Forsyth, North Carolina 167 $ 19,873,000 $ 119,000 $ 63,000
Sacramento, California 163 $ 14,255,000 $ 87,453 $ 79,000
Hillsborough, New Hampshire 162 $ 24,508,000 $ 151,283 $ 76,000
Jackson, Georgia 158 $ 17,238,000 $ 109,101 $ 61,000
Rockingham, New Hampshire 158 $ 29,921,000 $ 189,373 $ 78,000
Palm Beach, Florida 157 $ 14,157,000 $ 90,171 $ 78,000
Montgomery, Maryland 156 $ 31,575,000 $ 202,403 $ 95,000
Adams, Colorado 154 $ 6,762,000 $ 43,909 $ 71,000
Butler, Ohio 145 $ 6,236,000 $ 43,006 $ 68,000
Santa Clara, California 143 $ 34,479,000 $ 241,111 $ 119,000
New Haven, Connecticut 141 $ 13,999,000 $ 99,283 $ 70,000
Prince George's, Maryland 138 $ 18,662,000 $ 135,231 $ 78,000
Collier, Florida 136 $ 20,405,000 $ 150,036 $ 67,000
Duval, Florida 136 $ 9,362,000 $ 68,838 $ 61,000
Prince William, Virginia 136 $ 26,336,000 $ 193,647 $ 96,000
Anoka, Minnesota 135 $ 7,201,000 $ 53,340 $ 68,000
Wayne, Michigan 132 $ 7,637,000 $ 57,856 $ 67,000
Franklin, Ohio 132 $ 4,296,000 $ 32,545 $ 67,000
Pinellas, Florida 130 $ 10,599,000 $ 81,530 $ 70,000
Allegheny, Pennsylvania 128 $ 5,989,000 $ 46,789 $ 53,000
Wake, North Carolina 125 $ 4,729,000 $ 37,832 $ 72,000
Dakota, Minnesota 123 $ 5,693,000 $ 46,284 $ 69,000
Jackson, Oregon 123 $ 17,890,000 $ 145,447 $ 56,000
Henry, Georgia 122 $ 10,198,000 $ 83,590 $ 61,000
Racine, Wisconsin 119 $ 7,125,000 $ 59,873 $ 69,000
Oakland, Michigan 115 $ 7,174,000 $ 62,382 $ 80,000
Cuyahoga, Ohio 112 $ 3,499,000 $ 31,241 $ 52,000
St. Louis, Missouri 111 $ 8,219,000 $ 74,045 $ 71,000
Vanderburgh, Indiana 108 $ 12,182,000 $ 112,796 $ 51,000
Contra Costa, California 104 $ 13,014,000 $ 125,134 $ 94,000
Indian River, Florida 104 $ 11,749,000 $ 112,971 $ 57,000
Orange, Florida 104 $ 7,090,000 $ 68,173 $ 71,000
Habersham, Georgia 104 $ 11,398,000 $ 109,596 $ 63,000
Ramsey, Minnesota 104 $ 6,061,000 $ 58,278 $ 62,000
Barnstable, Massachusetts 103 $ 22,561,000 $ 219,038 $ 96,000
Cherokee, Georgia 100 $ 10,192,000 $ 101,920 $ 79,000
Charlotte, Florida 97 $ 10,986,000 $ 113,257 $ 51,000
Loudoun, Virginia 97 $ 21,758,000 $ 224,309 $ 88,000
Pima, Arizona 96 $ 4,059,000 $ 42,281 $ 67,000
Fresno, California 96 $ 12,329,000 $ 128,427 $ 64,000
Davidson, Tennessee 95 $ 6,808,000 $ 71,663 $ 65,000
Hartford, Connecticut 93 $ 7,247,000 $ 77,924 $ 89,000
Rock Island, Illinois 92 $ 6,975,000 $ 75,815 $ 45,000
Sarasota, Florida 90 $ 10,795,000 $ 119,944 $ 64,000
Daviess, Kentucky 89 $ 10,579,000 $ 118,865 $ 53,000
Warren, Ohio 89 $ 3,780,000 $ 42,471 $ 71,000
Weld, Colorado 87 $ 3,589,000 $ 41,252 $ 67,000
Kitsap, Washington 85 $ 10,446,000 $ 122,894 $ 73,000
El Paso, Colorado 84 $ 4,489,000 $ 53,440 $ 69,000
Salt Lake, Utah 84 $ 3,155,000 $ 37,559 $ 57,000
Clermont, Ohio 83 $ 3,564,000 $ 42,939 $ 64,000
Fayette, Georgia 82 $ 8,900,000 $ 108,536 $ 96,000
Summit, Ohio 82 $ 3,121,000 $ 38,060 $ 73,000
Polk, Florida 81 $ 8,603,000 $ 106,209 $ 57,000
Polk, Iowa 81 $ 5,906,000 $ 72,913 $ 52,000
Macomb, Michigan 81 $ 3,042,000 $ 37,555 $ 65,000
Scott, Iowa 80 $ 7,522,000 $ 94,025 $ 49,000
Montgomery, Ohio 78 $ 3,313,000 $ 42,474 $ 70,000
Shelby, Tennessee 75 $ 7,707,000 $ 102,760 $ 62,000
Kent, Rhode Island 74 $ 9,019,000 $ 121,878 $ 59,000
Clayton, Georgia 73 $ 6,294,000 $ 86,219 $ 62,000
Walton, Georgia 73 $ 8,268,000 $ 113,260 $ 74,000
Atlantic, New Jersey 73 $ 10,388,000 $ 142,301 $ 96,000
Marion, Florida 72 $ 7,583,000 $ 105,319 $ 50,000
Dawson, Georgia 69 $ 7,834,000 $ 113,536 $ 61,000
Washington, Minnesota 69 $ 3,358,000 $ 48,666 $ 85,000
Rock, Wisconsin 69 $ 4,990,000 $ 72,318 $ 68,000
Pinal, Arizona 68 $ 5,449,000 $ 80,132 $ 52,000
Frederick, Maryland 68 $ 10,166,000 $ 149,500 $ 86,000
Utah, Utah 68 $ 2,627,000 $ 38,632 $ 64,000
Lake, Indiana 66 $ 5,961,000 $ 90,318 $ 54,000
Philadelphia, Pennsylvania 65 $ 6,916,000 $ 106,400 $ 72,000
Columbia, Wisconsin 65 $ 5,356,000 $ 82,400 $ 65,000
District of Columbia, District Of Columbia 63 $ 12,030,000 $ 190,952 $ 100,000
Hernando, Florida 63 $ 5,914,000 $ 93,873 $ 52,000
Flathead, Montana 63 $ 6,840,000 $ 108,571 $ 45,000
Douglas, Oregon 63 $ 7,607,000 $ 120,746 $ 60,000
Paulding, Georgia 62 $ 4,123,000 $ 66,500 $ 72,000
Hamilton, Indiana 62 $ 6,864,000 $ 110,709 $ 86,000
Marion, Oregon 62 $ 5,060,000 $ 81,612 $ 56,000
San Joaquin, California 60 $ 8,212,000 $ 136,866 $ 90,000
Jefferson, Wisconsin 59 $ 3,319,000 $ 56,254 $ 57,000
Spotsylvania, Virginia 58 $ 8,280,000 $ 142,758 $ 73,000
Brown, Wisconsin 57 $ 2,291,000 $ 40,192 $ 76,000
Rabun, Georgia 56 $ 7,719,000 $ 137,839 $ 84,000
Baltimore, Maryland 56 $ 5,932,000 $ 105,928 $ 74,000
Oklahoma, Oklahoma 56 $ 2,638,000 $ 47,107 $ 53,000
Thurston, Washington 56 $ 3,542,000 $ 63,250 $ 77,000
Outagamie, Wisconsin 56 $ 1,896,000 $ 33,857 $ 53,000
Boulder, Colorado 55 $ 4,106,000 $ 74,654 $ 102,000
Coweta, Georgia 55 $ 4,189,000 $ 76,163 $ 80,000
Fairfield, Connecticut 54 $ 7,247,000 $ 134,203 $ 111,000
Warrick, Indiana 54 $ 6,660,000 $ 123,333 $ 58,000
Kenosha, Wisconsin 53 $ 2,000,000 $ 37,735 $ 63,000
Osceola, Florida 52 $ 4,386,000 $ 84,346 $ 58,000
Kern, California 51 $ 4,433,000 $ 86,921 $ 81,000
Jefferson, Kentucky 51 $ 2,651,000 $ 51,980 $ 72,000
St. Charles, Missouri 51 $ 4,589,000 $ 89,980 $ 86,000
Larimer, Colorado 50 $ 2,044,000 $ 40,880 $ 68,000
Anne Arundel, Maryland 50 $ 6,470,000 $ 129,400 $ 89,000
Douglas, Georgia 49 $ 3,026,000 $ 61,755 $ 96,000
Collin, Texas 48 $ 5,191,000 $ 108,145 $ 79,000
Shawano, Wisconsin 47 $ 3,871,000 $ 82,361 $ 39,000
Amador, California 46 $ 8,743,000 $ 190,065 $ 96,000
Kenton, Kentucky 46 $ 1,814,000 $ 39,434 $ 55,000
Scott, Minnesota 46 $ 2,413,000 $ 52,456 $ 69,000
Delaware, Ohio 46 $ 2,152,000 $ 46,782 $ 84,000
Stafford, Virginia 46 $ 7,415,000 $ 161,195 $ 71,000
Walworth, Wisconsin 46 $ 3,230,000 $ 70,217 $ 69,000
Howard, Maryland 45 $ 7,705,000 $ 171,222 $ 104,000
Merrimack, New Hampshire 45 $ 6,904,000 $ 153,422 $ 73,000
Boone, Illinois 44 $ 5,480,000 $ 124,545 $ 76,000
Lancaster, Nebraska 43 $ 1,533,000 $ 35,651 $ 52,000
Seminole, Florida 42 $ 3,220,000 $ 76,666 $ 64,000
Muscatine, Iowa 42 $ 4,326,000 $ 103,000 $ 50,000
Washington, Rhode Island 42 $ 5,779,000 $ 137,595 $ 71,000
Williamson, Tennessee 42 $ 3,064,000 $ 72,952 $ 84,000
Elkhart, Indiana 41 $ 4,244,000 $ 103,512 $ 57,000
Kootenai, Idaho 40 $ 4,499,000 $ 112,475 $ 47,000
Guilford, North Carolina 40 $ 1,471,000 $ 36,775 $ 59,000
Kendall, Illinois 39 $ 4,337,000 $ 111,205 $ 71,000
Medina, Ohio 39 $ 1,429,000 $ 36,641 $ 59,000
Manatee, Florida 38 $ 4,445,000 $ 116,973 $ 75,000
DeKalb, Illinois 38 $ 4,360,000 $ 114,736 $ 66,000
Bucks, Pennsylvania 38 $ 3,438,000 $ 90,473 $ 87,000
Benton, Washington 38 $ 2,974,000 $ 78,263 $ 64,000
Placer, California 37 $ 3,544,000 $ 95,783 $ 84,000
Yolo, California 37 $ 4,629,000 $ 125,108 $ 91,000
Charles, Maryland 37 $ 4,868,000 $ 131,567 $ 74,000
Westmoreland, Pennsylvania 37 $ 1,400,000 $ 37,837 $ 57,000
Whatcom, Washington 37 $ 4,182,000 $ 113,027 $ 59,000
Hendricks, Indiana 36 $ 3,989,000 $ 110,805 $ 76,000
Hampden, Massachusetts 36 $ 3,188,000 $ 88,555 $ 57,000
Wright, Minnesota 36 $ 1,507,000 $ 41,861 $ 73,000
Union, North Carolina 36 $ 1,026,000 $ 28,500 $ 77,000
Lorain, Ohio 36 $ 1,286,000 $ 35,722 $ 58,000
Madera, California 35 $ 4,670,000 $ 133,428 $ 47,000
Sherburne, Minnesota 35 $ 1,463,000 $ 41,800 $ 74,000
Berks, Pennsylvania 35 $ 2,860,000 $ 81,714 $ 78,000
Cowlitz, Washington 35 $ 2,195,000 $ 62,714 $ 77,000
Solano, California 34 $ 3,368,000 $ 99,058 $ 100,000
Pasco, Florida 34 $ 2,389,000 $ 70,264 $ 61,000
St. Johns, Florida 34 $ 4,142,000 $ 121,823 $ 68,000
Williamson, Texas 34 $ 3,460,000 $ 101,764 $ 66,000
Virginia Beach, Virginia 34 $ 3,688,000 $ 108,470 $ 99,000
Okaloosa, Florida 33 $ 2,877,000 $ 87,181 $ 80,000
Lake, Ohio 33 $ 1,734,000 $ 52,545 $ 53,000
Richland, South Carolina 33 $ 1,764,000 $ 53,454 $ 68,000
Smith, Texas 33 $ 3,201,000 $ 97,000 $ 77,000
Santa Rosa, Florida 32 $ 3,593,000 $ 112,281 $ 88,000
Boone, Kentucky 32 $ 1,980,000 $ 61,875 $ 73,000
St. Louis City, Missouri 32 $ 1,976,000 $ 61,750 $ 52,000
Queens, New York 32 $ 1,884,000 $ 58,875 $ 80,000
Lucas, Ohio 32 $ 752,000 $ 23,500 $ 55,000
St. Croix, Wisconsin 32 $ 2,231,000 $ 69,718 $ 79,000
New London, Connecticut 31 $ 3,414,000 $ 110,129 $ 79,000
New Castle, Delaware 31 $ 2,526,000 $ 81,483 $ 81,000
Johnson, Kansas 31 $ 1,733,000 $ 55,903 $ 73,000
Bernalillo, New Mexico 31 $ 1,411,000 $ 45,516 $ 65,000
Klamath, Oregon 31 $ 3,988,000 $ 128,645 $ 73,000
Linn, Oregon 31 $ 3,037,000 $ 97,967 $ 48,000
Dodge, Wisconsin 31 $ 1,003,000 $ 32,354 $ 64,000
Green, Wisconsin 31 $ 2,547,000 $ 82,161 $ 63,000
Stanislaus, California 30 $ 2,476,000 $ 82,533 $ 81,000
Lake, Florida 30 $ 2,095,000 $ 69,833 $ 59,000
White, Georgia 30 $ 3,552,000 $ 118,400 $ 82,000
Cabarrus, North Carolina 30 $ 1,255,000 $ 41,833 $ 76,000
Banks, Georgia 29 $ 2,398,000 $ 82,689 $ 42,000
DeSoto, Mississippi 29 $ 3,266,000 $ 112,620 $ 61,000
Ravalli, Montana 29 $ 4,779,000 $ 164,793 $ 53,000
Suffolk, New York 29 $ 2,279,000 $ 78,586 $ 103,000
Tarrant, Texas 29 $ 3,109,000 $ 107,206 $ 52,000
Litchfield, Connecticut 28 $ 3,100,000 $ 110,714 $ 74,000
Newton, Georgia 28 $ 2,166,000 $ 77,357 $ 94,000
Stark, Ohio 28 $ 1,376,000 $ 49,142 $ 71,000
Newport, Rhode Island 28 $ 4,919,000 $ 175,678 $ 70,000
Rockdale, Georgia 27 $ 2,530,000 $ 93,703 $ 73,000
Jackson, Missouri 27 $ 953,000 $ 35,296 $ 57,000
Nassau, New York 27 $ 1,689,000 $ 62,555 $ 95,000
York, South Carolina 27 $ 1,377,000 $ 51,000 $ 59,000
Alexandria, Virginia 27 $ 4,062,000 $ 150,444 $ 100,000
Sauk, Wisconsin 27 $ 1,513,000 $ 56,037 $ 54,000
San Mateo, California 26 $ 5,931,000 $ 228,115 $ 114,000
Tulsa, Oklahoma 26 $ 920,000 $ 35,384 $ 68,000
Waupaca, Wisconsin 26 $ 1,509,000 $ 58,038 $ 53,000
Winnebago, Wisconsin 26 $ 920,000 $ 35,384 $ 50,000
Johnston, North Carolina 25 $ 982,000 $ 39,280 $ 69,000
Rutherford, Tennessee 25 $ 1,179,000 $ 47,160 $ 66,000
Milam, Texas 25 $ 1,660,000 $ 66,400 $ 53,000
Chesapeake, Virginia 25 $ 2,475,000 $ 99,000 $ 67,000
Henderson, Kentucky 24 $ 3,143,000 $ 130,958 $ 55,000
Livingston, Michigan 24 $ 1,481,000 $ 61,708 $ 90,000
Greene, Ohio 24 $ 849,000 $ 35,375 $ 62,000
York, Pennsylvania 24 $ 1,132,000 $ 47,166 $ 73,000
Denton, Texas 24 $ 2,642,000 $ 110,083 $ 57,000
Sheboygan, Wisconsin 24 $ 1,287,000 $ 53,625 $ 85,000
Johnson, Indiana 23 $ 2,741,000 $ 119,173 $ 69,000
Genesee, Michigan 23 $ 1,218,000 $ 52,956 $ 54,000
Umatilla, Oregon 23 $ 2,024,000 $ 88,000 $ 52,000
Henrico, Virginia 23 $ 1,656,000 $ 72,000 $ 65,000
Broomfield, Colorado 22 $ 1,272,000 $ 57,818 $ 73,000
Pickens, Georgia 22 $ 4,003,000 $ 181,954 $ 107,000
Henry, Illinois 22 $ 1,907,000 $ 86,681 $ 62,000
Baltimore City, Maryland 22 $ 1,719,000 $ 78,136 $ 73,000
Portage, Ohio 22 $ 741,000 $ 33,681 $ 72,000
Yamhill, Oregon 22 $ 2,033,000 $ 92,409 $ 65,000
Butler, Pennsylvania 22 $ 1,835,000 $ 83,409 $ 67,000
Middlesex, Connecticut 21 $ 2,227,000 $ 106,047 $ 95,000
Kent, Michigan 21 $ 1,083,000 $ 51,571 $ 71,000
Carver, Minnesota 21 $ 1,023,000 $ 48,714 $ 71,000
Chisago, Minnesota 21 $ 1,655,000 $ 78,809 $ 61,000
Isanti, Minnesota 21 $ 1,218,000 $ 58,000 $ 74,000
Durham, North Carolina 21 $ 669,000 $ 31,857 $ 60,000
Cleveland, Oklahoma 21 $ 878,000 $ 41,809 $ 71,000
Polk, Oregon 21 $ 1,834,000 $ 87,333 $ 83,000
Skagit, Washington 21 $ 2,173,000 $ 103,476 $ 58,000
Carroll, Georgia 20 $ 1,120,000 $ 56,000 $ 66,000
Clarke, Georgia 20 $ 1,636,000 $ 81,800 $ 1,235,000
Porter, Indiana 20 $ 2,126,000 $ 106,300 $ 89,000
Fayette, Kentucky 20 $ 585,000 $ 29,250 $ 65,000
York, Maine 20 $ 3,031,000 $ 151,550 $ 99,000
Gaston, North Carolina 20 $ 598,000 $ 29,900 $ 48,000
Beaufort, South Carolina 20 $ 1,364,000 $ 68,200 $ 72,000
Harris, Texas 20 $ 2,221,000 $ 111,050 $ 70,000
Frederick, Virginia 20 $ 2,795,000 $ 139,750 $ 52,000
Marathon, Wisconsin 20 $ 797,000 $ 39,850 $ 55,000
Crittenden, Arkansas 19 $ 2,129,000 $ 112,052 $ 62,000
Clay, Florida 19 $ 1,416,000 $ 74,526 $ 66,000
Chatham, Georgia 19 $ 1,577,000 $ 83,000 $ 81,000
Ada, Idaho 19 $ 1,519,000 $ 79,947 $ 76,000
Mercer, Illinois 19 $ 1,564,000 $ 82,315 $ 50,000
Campbell, Kentucky 19 $ 757,000 $ 39,842 $ 80,000
Strafford, New Hampshire 19 $ 2,222,000 $ 116,947 $ 86,000
Erie, New York 19 $ 553,000 $ 29,105 $ 59,000
Davis, Utah 19 $ 961,000 $ 50,578 $ 70,000
El Dorado, California 18 $ 3,613,000 $ 200,722 $ 103,000
San Francisco, California 18 $ 4,776,000 $ 265,333 $ 154,000
Santa Barbara, California 18 $ 5,204,000 $ 289,111 $ 117,000
Greene, Georgia 18 $ 5,217,000 $ 289,833 $ 178,000
Stephens, Georgia 18 $ 1,624,000 $ 90,222 $ 38,000
Grundy, Illinois 18 $ 1,839,000 $ 102,166 $ 76,000
Harford, Maryland 18 $ 1,593,000 $ 88,500 $ 101,000
Washtenaw, Michigan 18 $ 1,273,000 $ 70,722 $ 64,000
Douglas, Nebraska 18 $ 908,000 $ 50,444 $ 78,000
Burlington, New Jersey 18 $ 1,614,000 $ 89,666 $ 87,000
Kings, New York 18 $ 1,231,000 $ 68,388 $ 76,000
Fairfield, Ohio 18 $ 638,000 $ 35,444 $ 73,000
Mahoning, Ohio 18 $ 531,000 $ 29,500 $ 72,000
Columbia, Oregon 18 $ 1,997,000 $ 110,944 $ 78,000
Josephine, Oregon 18 $ 2,011,000 $ 111,722 $ 45,000
Greenville, South Carolina 18 $ 858,000 $ 47,666 $ 69,000
Arlington, Virginia 18 $ 4,920,000 $ 273,333 $ 66,000
Calumet, Wisconsin 18 $ 625,000 $ 34,722 $ 58,000
Canyon, Idaho 17 $ 991,000 $ 58,294 $ 51,000
Allen, Indiana 17 $ 948,000 $ 55,764 $ 66,000
Bergen, New Jersey 17 $ 4,161,000 $ 244,764 $ 94,000
Bronx, New York 17 $ 949,000 $ 55,823 $ 71,000
Coos, Oregon 17 $ 1,790,000 $ 105,294 $ 45,000
Northampton, Pennsylvania 17 $ 893,000 $ 52,529 $ 96,000
Lexington, South Carolina 17 $ 735,000 $ 43,235 $ 87,000
Sumner, Tennessee 17 $ 885,000 $ 52,058 $ 54,000
Travis, Texas 17 $ 2,321,000 $ 136,529 $ 109,000
Island, Washington 17 $ 1,144,000 $ 67,294 $ 63,000
Ogle, Illinois 16 $ 1,925,000 $ 120,312 $ 52,000
Madison, Indiana 16 $ 750,000 $ 46,875 $ 46,000
Rice, Minnesota 16 $ 664,000 $ 41,500 $ 50,000
Stearns, Minnesota 16 $ 662,000 $ 41,375 $ 64,000
Washoe, Nevada 16 $ 1,042,000 $ 65,125 $ 77,000
Camden, New Jersey 16 $ 1,099,000 $ 68,687 $ 78,000
Gloucester, New Jersey 16 $ 1,165,000 $ 72,812 $ 106,000
Crook, Oregon 16 $ 2,306,000 $ 144,125 $ 73,000
Washington, Pennsylvania 16 $ 973,000 $ 60,812 $ 95,000
Fond du Lac, Wisconsin 16 $ 478,000 $ 29,875 $ 54,000
Iowa, Wisconsin 16 $ 1,475,000 $ 92,187 $ 66,000
La Crosse, Wisconsin 16 $ 1,444,000 $ 90,250 $ 79,000
Sonoma, California 15 $ 2,516,000 $ 167,733 $ 86,000
Pueblo, Colorado 15 $ 914,000 $ 60,933 $ 41,000
Tolland, Connecticut 15 $ 804,000 $ 53,600 $ 114,000
Martin, Florida 15 $ 1,813,000 $ 120,866 $ 97,000
Walton, Florida 15 $ 3,583,000 $ 238,866 $ 378,000
Oconee, Georgia 15 $ 1,680,000 $ 112,000 $ 70,000
Bonner, Idaho 15 $ 1,979,000 $ 131,933 $ 40,000
Stephenson, Illinois 15 $ 1,096,000 $ 73,066 $ 57,000
St. Joseph, Indiana 15 $ 1,105,000 $ 73,666 $ 51,000
Johnson, Iowa 15 $ 753,000 $ 50,200 $ 75,000
Carroll, Maryland 15 $ 2,553,000 $ 170,200 $ 87,000
Middlesex, New Jersey 15 $ 1,805,000 $ 120,333 $ 88,000
Canadian, Oklahoma 15 $ 375,000 $ 25,000 $ 68,000
Beaver, Pennsylvania 15 $ 835,000 $ 55,666 $ 52,000
Wilson, Tennessee 15 $ 567,000 $ 37,800 $ 52,000
Portsmouth, Virginia 15 $ 876,000 $ 58,400 $ 44,000
Stevens, Washington 15 $ 1,264,000 $ 84,266 $ 56,000
Mono, California 14 $ 3,423,000 $ 244,500 $ 71,000
Tulare, California 14 $ 922,000 $ 65,857 $ 63,000
Putnam, Georgia 14 $ 1,385,000 $ 98,928 $ 117,000
Hancock, Indiana 14 $ 1,026,000 $ 73,285 $ 75,000
Calvert, Maryland 14 $ 1,177,000 $ 84,071 $ 69,000
Cecil, Maryland 14 $ 1,189,000 $ 84,928 $ 70,000
St. Louis, Minnesota 14 $ 387,000 $ 27,642 $ 45,000
Davie, North Carolina 14 $ 1,622,000 $ 115,857 $ 78,000
Clark, Ohio 14 $ 456,000 $ 32,571 $ 43,000
Union, Oregon 14 $ 1,001,000 $ 71,500 $ 58,000
Lancaster, Pennsylvania 14 $ 820,000 $ 58,571 $ 81,000
Franklin, Washington 14 $ 1,089,000 $ 77,785 $ 60,000
Grays Harbor, Washington 14 $ 1,198,000 $ 85,571 $ 84,000
Yakima, Washington 14 $ 828,000 $ 59,142 $ 42,000
Eau Claire, Wisconsin 14 $ 306,000 $ 21,857 $ 56,000
Monterey, California 13 $ 1,310,000 $ 100,769 $ 121,000
St. Clair, Illinois 13 $ 985,000 $ 75,769 $ 78,000
Oldham, Kentucky 13 $ 544,000 $ 41,846 $ 104,000
Lapeer, Michigan 13 $ 762,000 $ 58,615 $ 68,000
Cape May, New Jersey 13 $ 3,275,000 $ 251,923 $ 167,000
Hudson, New Jersey 13 $ 2,713,000 $ 208,692 $ 101,000
Mercer, New Jersey 13 $ 1,166,000 $ 89,692 $ 62,000
Santa Fe, New Mexico 13 $ 2,128,000 $ 163,692 $ 98,000
Richmond, New York 13 $ 1,063,000 $ 81,769 $ 83,000
Catawba, North Carolina 13 $ 557,000 $ 42,846 $ 68,000
Cumberland, North Carolina 13 $ 396,000 $ 30,461 $ 64,000
Davidson, North Carolina 13 $ 1,076,000 $ 82,769 $ 59,000
Iredell, North Carolina 13 $ 344,000 $ 26,461 $ 67,000
Miami, Ohio 13 $ 528,000 $ 40,615 $ 63,000
Trumbull, Ohio 13 $ 573,000 $ 44,076 $ 69,000
Jefferson, Oregon 13 $ 1,458,000 $ 112,153 $ 50,000
Horry, South Carolina 13 $ 467,000 $ 35,923 $ 66,000
Chesterfield, Virginia 13 $ 877,000 $ 67,461 $ 79,000
Norfolk, Virginia 13 $ 1,631,000 $ 125,461 $ 65,000
Portage, Wisconsin 13 $ 999,000 $ 76,846 $ 60,000
Navajo, Arizona 12 $ 1,499,000 $ 124,916 $ 129,000
Yavapai, Arizona 12 $ 1,360,000 $ 113,333 $ 34,000
Windham, Connecticut 12 $ 1,033,000 $ 86,083 $ 69,000
Leon, Florida 12 $ 1,252,000 $ 104,333 $ 75,000
Bibb, Georgia 12 $ 462,000 $ 38,500 $ 72,000
Columbia, Georgia 12 $ 843,000 $ 70,250 $ 77,000
LaSalle, Illinois 12 $ 1,000,000 $ 83,333 $ 53,000
Tazewell, Illinois 12 $ 485,000 $ 40,416 $ 55,000
Morgan, Indiana 12 $ 1,366,000 $ 113,833 $ 62,000
Cumberland, Maine 12 $ 1,082,000 $ 90,166 $ 79,000
Washington, Maryland 12 $ 1,219,000 $ 101,583 $ 94,000
Olmsted, Minnesota 12 $ 459,000 $ 38,250 $ 64,000
Jefferson, Missouri 12 $ 809,000 $ 67,416 $ 64,000
Cheshire, New Hampshire 12 $ 1,170,000 $ 97,500 $ 111,000
Chemung, New York 12 $ 354,000 $ 29,500 $ 61,000
Licking, Ohio 12 $ 336,000 $ 28,000 $ 67,000
Lincoln, Oregon 12 $ 1,483,000 $ 123,583 $ 96,000
Dauphin, Pennsylvania 12 $ 866,000 $ 72,166 $ 59,000
Lehigh, Pennsylvania 12 $ 953,000 $ 79,416 $ 64,000
Monroe, Pennsylvania 12 $ 644,000 $ 53,666 $ 60,000
Bristol, Rhode Island 12 $ 2,384,000 $ 198,666 $ 67,000
Kaufman, Texas 12 $ 1,342,000 $ 111,833 $ 40,000
Oconto, Wisconsin 12 $ 648,000 $ 54,000 $ 59,000
Merced, California 11 $ 886,000 $ 80,545 $ 94,000
Alachua, Florida 11 $ 914,000 $ 83,090 $ 97,000
Bay, Florida 11 $ 1,454,000 $ 132,181 $ 88,000
Tippecanoe, Indiana 11 $ 585,000 $ 53,181 $ 55,000
Clinton, Iowa 11 $ 778,000 $ 70,727 $ 60,000
Shawnee, Kansas 11 $ 706,000 $ 64,181 $ 84,000
Bullitt, Kentucky 11 $ 573,000 $ 52,090 $ 76,000
Franklin, Missouri 11 $ 1,257,000 $ 114,272 $ 75,000
Grafton, New Hampshire 11 $ 979,000 $ 89,000 $ 96,000
Monmouth, New Jersey 11 $ 1,948,000 $ 177,090 $ 108,000
Ashtabula, Ohio 11 $ 188,000 $ 17,090 $ 59,000
Windsor, Vermont 11 $ 632,000 $ 57,454 $ 75,000
Manassas, Virginia 11 $ 1,500,000 $ 136,363 $ 60,000
Lewis, Washington 11 $ 1,035,000 $ 94,090 $ 84,000
Coconino, Arizona 10 $ 1,024,000 $ 102,400 $ 66,000
Santa Cruz, California 10 $ 1,898,000 $ 189,800 $ 91,000
Elbert, Colorado 10 $ 796,000 $ 79,600 $ 84,000
Bartow, Georgia 10 $ 722,000 $ 72,200 $ 77,000
Peoria, Illinois 10 $ 599,000 $ 59,900 $ 51,000
Linn, Iowa 10 $ 656,000 $ 65,600 $ 54,000
Webster, Iowa 10 $ 671,000 $ 67,100 $ 46,000
Hampshire, Massachusetts 10 $ 1,285,000 $ 128,500 $ 94,000
Goodhue, Minnesota 10 $ 361,000 $ 36,100 $ 59,000
McLeod, Minnesota 10 $ 278,000 $ 27,800 $ 60,000
Madison, Mississippi 10 $ 1,140,000 $ 114,000 $ 52,000
Boone, Missouri 10 $ 1,145,000 $ 114,500 $ 53,000
Saline, Missouri 10 $ 870,000 $ 87,000 $ 46,000
Belknap, New Hampshire 10 $ 1,907,000 $ 190,700 $ 92,000
Essex, New Jersey 10 $ 2,608,000 $ 260,800 $ 100,000
Henderson, North Carolina 10 $ 373,000 $ 37,300 $ 55,000
Geauga, Ohio 10 $ 455,000 $ 45,500 $ 57,000
Wood, Ohio 10 $ 355,000 $ 35,500 $ 62,000
Luzerne, Pennsylvania 10 $ 423,000 $ 42,300 $ 61,000
Laurens, South Carolina 10 $ 422,000 $ 42,200 $ 63,000
Hampton, Virginia 10 $ 942,000 $ 94,200 $ 69,000
Winchester, Virginia 10 $ 1,261,000 $ 126,100 $ 70,000
Adams, Wisconsin 10 $ 716,000 $ 71,600 $ 85,000
Manitowoc, Wisconsin 10 $ 624,000 $ 62,400 $ 73,000
Gila, Arizona 9 $ 1,607,000 $ 178,555 $ 217,000
Butte, California 9 $ 889,000 $ 98,777 $ 66,000
Shasta, California 9 $ 606,000 $ 67,333 $ 72,000
Sutter, California 9 $ 395,000 $ 43,888 $ 61,000
Highlands, Florida 9 $ 828,000 $ 92,000 $ 40,000
Morgan, Georgia 9 $ 1,389,000 $ 154,333 $ 194,000
Boone, Indiana 9 $ 716,000 $ 79,555 $ 67,000
Dearborn, Indiana 9 $ 411,000 $ 45,666 $ 62,000
Monroe, Michigan 9 $ 574,000 $ 63,777 $ 68,000
Ottawa, Michigan 9 $ 206,000 $ 22,888 $ 56,000
Clay, Missouri 9 $ 619,000 $ 68,777 $ 63,000
Morris, New Jersey 9 $ 1,199,000 $ 133,222 $ 107,000
Monroe, New York 9 $ 248,000 $ 27,555 $ 65,000
Saratoga, New York 9 $ 201,000 $ 22,333 $ 56,000
Brown, Ohio 9 $ 169,000 $ 18,777 $ 46,000
Clinton, Ohio 9 $ 269,000 $ 29,888 $ 57,000
Columbiana, Ohio 9 $ 273,000 $ 30,333 $ 47,000
Richland, Ohio 9 $ 321,000 $ 35,666 $ 44,000
Lackawanna, Pennsylvania 9 $ 911,000 $ 101,222 $ 159,000
Lebanon, Pennsylvania 9 $ 838,000 $ 93,111 $ 39,000
Spartanburg, South Carolina 9 $ 361,000 $ 40,111 $ 72,000
Caroline, Virginia 9 $ 1,099,000 $ 122,111 $ 41,000
Fairfax City, Virginia 9 $ 1,792,000 $ 199,111 $ 65,000
Marinette, Wisconsin 9 $ 223,000 $ 24,777 $ 42,000
Pierce, Wisconsin 9 $ 456,000 $ 50,666 $ 62,000
Mohave, Arizona 8 $ 706,000 $ 88,250 $ 147,000
Park, Colorado 8 $ 304,000 $ 38,000 $ 62,000
Kankakee, Illinois 8 $ 472,000 $ 59,000 $ 68,000
Kosciusko, Indiana 8 $ 724,000 $ 90,500 $ 78,000
LaPorte, Indiana 8 $ 820,000 $ 102,500 $ 57,000
Shelby, Indiana 8 $ 873,000 $ 109,125 $ 84,000
Warren, Iowa 8 $ 701,000 $ 87,625 $ 52,000
Madison, Kentucky 8 $ 201,000 $ 25,125 $ 64,000
St. Clair, Michigan 8 $ 392,000 $ 49,000 $ 75,000
Barry, Missouri 8 $ 591,000 $ 73,875 $ 43,000
Greene, Missouri 8 $ 732,000 $ 91,500 $ 61,000
Linn, Missouri 8 $ 456,000 $ 57,000 $ 30,000
Sarpy, Nebraska 8 $ 373,000 $ 46,625 $ 74,000
Orange, New York 8 $ 316,000 $ 39,500 $ 70,000
Ulster, New York 8 $ 270,000 $ 33,750 $ 72,000
Westchester, New York 8 $ 568,000 $ 71,000 $ 76,000
Lincoln, North Carolina 8 $ 214,000 $ 26,750 $ 60,000
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Mortgage Loan Application Detail Totals for Guaranty Bank, FSB in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 20,556 $2,424,633,000 $107,531 $1,000,000 $71,957 $1,400,000
Refinancing 19,712 $2,472,787,000 $118,553 $1,000,000 $72,297 $6,098,000
Home Improvement 4,721 $183,873,000 $36,631 $384,000 $73,710 $767,000

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 34,796 $3,860,253,000 $106,957 $1,000,000 $72,914 $6,098,000
Hispanic 3,310 $414,284,000 $94,763 $750,000 $56,815 $597,000
Black or African American 2,609 $273,494,000 $95,394 $650,000 $67,052 $1,400,000
Not Provided 2,043 $159,878,000 $79,090 $725,000 $76,795 $508,000
Asian 1,825 $339,978,000 $117,527 $995,000 $88,722 $714,000
Native Hawaiian or Other Pacific Islander 158 $16,353,000 $93,444 $552,000 $66,444 $228,000
Not applicable 138 $6,112,000 $39,275 $231,000 $81,517 $208,000
American Indian or Alaskan Native 110 $10,941,000 $90,500 $500,000 $67,884 $263,000

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) 42,742 $4,776,836,000 $104,541 $1,000,000 $72,479 $6,098,000
FHA-insured (Federal Housing Administration) 1,855 $246,104,000 $149,115 $457,000 $51,730 $994,000
VA-guaranteed (Veterans Administration) 392 $58,353,000 $143,333 $272,000 $46,857 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 44,989 $5,081,293,000 $105,395 $1,000,000 $71,229 $6,098,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Application Denied By Financial Institution 0 $0 $0 $0 $0 $0
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Originated 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank, FSB's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Guaranty Bank, FSB'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.
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