Guaranty Bank, FSB Mortgage Lending & HMDA Data, 2008

In 2008, Guaranty Bank, FSB of Brown Deer, WI reported 16,443 mortgage applications totaling $3.2 billion, down 30% from 2007. The average application was for $194,418, and applicants reported an average income of $90,458. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,070), Portland-Vancouver-Beaverton, OR-WA (1,010) and Atlanta-Sandy Springs-Marietta, GA (926) (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 16,443
Total Mortgage Loan Application Amount $3,196,825,000
Average Mortgage Loan Application Amount $194,418
Highest Mortgage Loan Application Amount $1,820,000
Average Applicant Income $90,458
Highest Applicant Income $3,354,000

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Act (HMDA) records Guaranty Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 577 $ 128,083,000 $ 221,980 $ 103,000
Dallas, Texas 491 $ 80,822,000 $ 164,606 $ 91,000
Lane, Oregon 459 $ 97,091,000 $ 211,527 $ 85,000
Charleston, South Carolina 402 $ 83,690,000 $ 208,184 $ 86,000
Spokane, Washington 353 $ 64,769,000 $ 183,481 $ 69,000
Polk, Florida 328 $ 58,480,000 $ 178,292 $ 60,000
Scott, Iowa 298 $ 39,833,000 $ 133,667 $ 63,000
Multnomah, Oregon 275 $ 63,612,000 $ 231,316 $ 100,000
Washington, Oregon 271 $ 66,269,000 $ 244,535 $ 100,000
Clark, Washington 268 $ 61,503,000 $ 229,488 $ 85,000
Gwinnett, Georgia 247 $ 45,531,000 $ 184,336 $ 79,000
Milwaukee, Wisconsin 239 $ 42,355,000 $ 177,217 $ 88,000
Los Angeles, California 229 $ 62,209,000 $ 271,655 $ 123,000
Dane, Wisconsin 225 $ 45,089,000 $ 200,395 $ 89,000
DuPage, Illinois 224 $ 49,634,000 $ 221,580 $ 99,000
Maricopa, Arizona 222 $ 46,939,000 $ 211,436 $ 112,000
Berkeley, South Carolina 214 $ 34,269,000 $ 160,135 $ 60,000
Dorchester, South Carolina 207 $ 34,186,000 $ 165,149 $ 64,000
King, Washington 207 $ 48,436,000 $ 233,990 $ 113,000
Middlesex, Massachusetts 204 $ 41,555,000 $ 203,700 $ 135,000
Winnebago, Illinois 197 $ 26,664,000 $ 135,350 $ 54,000
DeKalb, Georgia 193 $ 41,638,000 $ 215,740 $ 105,000
Rockingham, New Hampshire 143 $ 31,965,000 $ 223,531 $ 95,000
Brevard, Florida 141 $ 20,951,000 $ 148,588 $ 60,000
Essex, Massachusetts 139 $ 32,913,000 $ 236,784 $ 106,000
Snohomish, Washington 136 $ 31,984,000 $ 235,176 $ 96,000
Waukesha, Wisconsin 125 $ 23,891,000 $ 191,128 $ 92,000
Fulton, Georgia 122 $ 26,460,000 $ 216,885 $ 131,000
Rock Island, Illinois 121 $ 13,924,000 $ 115,074 $ 57,000
Norfolk, Massachusetts 120 $ 24,052,000 $ 200,433 $ 132,000
Clackamas, Oregon 119 $ 28,286,000 $ 237,697 $ 109,000
Worcester, Massachusetts 115 $ 22,698,000 $ 197,373 $ 83,000
Montgomery, Pennsylvania 115 $ 30,272,000 $ 263,234 $ 131,000
Bristol, Massachusetts 110 $ 23,207,000 $ 210,972 $ 87,000
Salt Lake, Utah 110 $ 20,542,000 $ 186,745 $ 71,000
Clark, Nevada 108 $ 20,823,000 $ 192,805 $ 121,000
Pierce, Washington 108 $ 24,620,000 $ 227,962 $ 79,000
Hillsborough, New Hampshire 103 $ 24,062,000 $ 233,611 $ 90,000
St. Lucie, Florida 101 $ 16,019,000 $ 158,603 $ 54,000
Orange, California 100 $ 27,855,000 $ 278,550 $ 127,000
Lake, Illinois 99 $ 21,315,000 $ 215,303 $ 103,000
Putnam, Tennessee 98 $ 12,421,000 $ 126,744 $ 54,000
Kane, Illinois 97 $ 21,840,000 $ 225,154 $ 97,000
Delaware, Pennsylvania 93 $ 20,576,000 $ 221,247 $ 102,000
Will, Illinois 90 $ 18,636,000 $ 207,066 $ 96,000
Tarrant, Texas 89 $ 14,036,000 $ 157,707 $ 85,000
Providence, Rhode Island 84 $ 17,245,000 $ 205,297 $ 101,000
San Diego, California 82 $ 25,650,000 $ 312,804 $ 144,000
Suffolk, Massachusetts 81 $ 16,642,000 $ 205,456 $ 126,000
Collin, Texas 81 $ 14,038,000 $ 173,308 $ 86,000
Hillsborough, Florida 80 $ 15,031,000 $ 187,887 $ 66,000
Plymouth, Massachusetts 79 $ 17,508,000 $ 221,620 $ 112,000
Pinal, Arizona 74 $ 12,452,000 $ 168,270 $ 67,000
Daviess, Kentucky 74 $ 10,737,000 $ 145,094 $ 59,000
St. Charles, Missouri 71 $ 11,408,000 $ 160,676 $ 71,000
Kootenai, Idaho 67 $ 14,070,000 $ 210,000 $ 88,000
Ozaukee, Wisconsin 67 $ 17,911,000 $ 267,328 $ 170,000
Hartford, Connecticut 66 $ 13,034,000 $ 197,484 $ 93,000
Klamath, Oregon 66 $ 11,940,000 $ 180,909 $ 79,000
Hall, Georgia 64 $ 10,714,000 $ 167,406 $ 86,000
Cobb, Georgia 63 $ 12,703,000 $ 201,634 $ 94,000
Deschutes, Oregon 62 $ 14,306,000 $ 230,741 $ 129,000
El Paso, Colorado 61 $ 11,296,000 $ 185,180 $ 65,000
Volusia, Florida 61 $ 9,940,000 $ 162,950 $ 59,000
Douglas, Oregon 61 $ 11,449,000 $ 187,688 $ 61,000
Jackson, Oregon 60 $ 13,351,000 $ 222,516 $ 74,000
New Haven, Connecticut 59 $ 11,117,000 $ 188,423 $ 91,000
Alameda, California 57 $ 8,846,000 $ 155,192 $ 152,000
Stevens, Washington 57 $ 9,479,000 $ 166,298 $ 64,000
Denton, Texas 55 $ 10,014,000 $ 182,072 $ 81,000
Lee, Florida 54 $ 7,676,000 $ 142,148 $ 83,000
Chester, Pennsylvania 54 $ 15,447,000 $ 286,055 $ 121,000
Habersham, Georgia 53 $ 7,144,000 $ 134,792 $ 54,000
Washington, Rhode Island 52 $ 13,526,000 $ 260,115 $ 134,000
Denver, Colorado 51 $ 10,192,000 $ 199,843 $ 94,000
Forsyth, Georgia 51 $ 9,966,000 $ 195,411 $ 80,000
Clinton, Iowa 51 $ 5,376,000 $ 105,411 $ 56,000
Washington, Wisconsin 51 $ 10,203,000 $ 200,058 $ 76,000
Polk, Iowa 49 $ 5,812,000 $ 118,612 $ 66,000
St. Louis, Missouri 48 $ 7,631,000 $ 158,979 $ 101,000
Santa Clara, California 47 $ 7,730,000 $ 164,468 $ 153,000
Kitsap, Washington 47 $ 11,022,000 $ 234,510 $ 77,000
Douglas, Colorado 46 $ 10,133,000 $ 220,282 $ 119,000
Broward, Florida 45 $ 13,246,000 $ 294,355 $ 174,000
Jackson, Georgia 44 $ 7,475,000 $ 169,886 $ 67,000
Philadelphia, Pennsylvania 43 $ 9,935,000 $ 231,046 $ 102,000
Smith, Texas 42 $ 5,296,000 $ 126,095 $ 61,000
Marion, Oregon 40 $ 8,027,000 $ 200,675 $ 67,000
Vanderburgh, Indiana 39 $ 5,398,000 $ 138,410 $ 61,000
Yakima, Washington 39 $ 4,993,000 $ 128,025 $ 55,000
Ventura, California 38 $ 11,571,000 $ 304,500 $ 123,000
New London, Connecticut 38 $ 7,744,000 $ 203,789 $ 81,000
McHenry, Illinois 38 $ 7,946,000 $ 209,105 $ 77,000
Cherokee, Georgia 37 $ 5,979,000 $ 161,594 $ 66,000
Hood River, Oregon 37 $ 9,515,000 $ 257,162 $ 98,000
Fairfax, Virginia 37 $ 10,929,000 $ 295,378 $ 159,000
Jefferson, Colorado 36 $ 7,922,000 $ 220,055 $ 106,000
Riverside, California 35 $ 7,110,000 $ 203,142 $ 91,000
Columbia, Oregon 35 $ 7,306,000 $ 208,742 $ 78,000
Sumner, Tennessee 35 $ 5,421,000 $ 154,885 $ 66,000
Troup, Georgia 34 $ 4,626,000 $ 136,058 $ 61,000
Yamhill, Oregon 34 $ 7,210,000 $ 212,058 $ 91,000
San Bernardino, California 33 $ 8,374,000 $ 253,757 $ 64,000
Marion, Florida 33 $ 5,263,000 $ 159,484 $ 82,000
Hennepin, Minnesota 33 $ 5,520,000 $ 167,272 $ 103,000
Clay, Missouri 33 $ 4,817,000 $ 145,969 $ 73,000
Utah, Utah 33 $ 6,024,000 $ 182,545 $ 71,000
Thurston, Washington 33 $ 7,794,000 $ 236,181 $ 80,000
Montgomery, Maryland 31 $ 7,503,000 $ 242,032 $ 127,000
Racine, Wisconsin 31 $ 5,784,000 $ 186,580 $ 66,000
Barnstable, Massachusetts 30 $ 7,158,000 $ 238,600 $ 101,000
Harris, Texas 30 $ 5,914,000 $ 197,133 $ 122,000
Merrimack, New Hampshire 29 $ 5,658,000 $ 195,103 $ 70,000
Mecklenburg, North Carolina 29 $ 5,448,000 $ 187,862 $ 123,000
Fayette, Georgia 28 $ 5,225,000 $ 186,607 $ 84,000
Douglas, Nebraska 28 $ 3,512,000 $ 125,428 $ 68,000
Linn, Oregon 28 $ 5,053,000 $ 180,464 $ 63,000
Contra Costa, California 27 $ 5,623,000 $ 208,259 $ 146,000
Arapahoe, Colorado 27 $ 5,112,000 $ 189,333 $ 77,000
Barrow, Georgia 27 $ 4,445,000 $ 164,629 $ 62,000
Clayton, Georgia 27 $ 2,654,000 $ 98,296 $ 68,000
Muscogee, Georgia 27 $ 3,912,000 $ 144,888 $ 58,000
Dubuque, Iowa 27 $ 3,101,000 $ 114,851 $ 49,000
Prince George's, Maryland 27 $ 7,277,000 $ 269,518 $ 102,000
Bucks, Pennsylvania 27 $ 5,847,000 $ 216,555 $ 120,000
Benton, Washington 27 $ 5,022,000 $ 186,000 $ 89,000
Hampden, Massachusetts 26 $ 4,911,000 $ 188,884 $ 66,000
Bernalillo, New Mexico 26 $ 4,283,000 $ 164,730 $ 82,000
Kent, Rhode Island 26 $ 5,101,000 $ 196,192 $ 87,000
Muscatine, Iowa 25 $ 2,850,000 $ 114,000 $ 53,000
Dawson, Georgia 24 $ 4,133,000 $ 172,208 $ 70,000
Kendall, Illinois 24 $ 4,416,000 $ 184,000 $ 91,000
Jefferson, Missouri 24 $ 3,138,000 $ 130,750 $ 65,000
Flathead, Montana 24 $ 5,384,000 $ 224,333 $ 82,000
Lancaster, Nebraska 24 $ 3,624,000 $ 151,000 $ 74,000
Ellis, Texas 24 $ 3,104,000 $ 129,333 $ 68,000
Windham, Connecticut 23 $ 3,891,000 $ 169,173 $ 73,000
District of Columbia, District Of Columbia 23 $ 5,214,000 $ 226,695 $ 128,000
Johnson, Kansas 23 $ 3,914,000 $ 170,173 $ 85,000
Sarasota, Florida 22 $ 2,959,000 $ 134,500 $ 83,000
Ada, Idaho 22 $ 3,802,000 $ 172,818 $ 67,000
Boone, Illinois 22 $ 4,686,000 $ 213,000 $ 70,000
Loudoun, Virginia 22 $ 4,404,000 $ 200,181 $ 129,000
Rock, Wisconsin 22 $ 2,866,000 $ 130,272 $ 57,000
Coweta, Georgia 21 $ 3,948,000 $ 188,000 $ 68,000
Jefferson, Kentucky 21 $ 3,717,000 $ 177,000 $ 74,000
Strafford, New Hampshire 21 $ 3,544,000 $ 168,761 $ 68,000
Umatilla, Oregon 21 $ 2,921,000 $ 139,095 $ 62,000
Adams, Colorado 20 $ 3,546,000 $ 177,300 $ 59,000
Fairfield, Connecticut 20 $ 4,563,000 $ 228,150 $ 209,000
Orange, Florida 20 $ 3,662,000 $ 183,100 $ 79,000
White, Georgia 20 $ 2,986,000 $ 149,300 $ 67,000
Prince William, Virginia 20 $ 4,783,000 $ 239,150 $ 94,000
Baldwin, Alabama 19 $ 2,919,000 $ 153,631 $ 72,000
Santa Rosa, Florida 19 $ 3,308,000 $ 174,105 $ 65,000
Henry, Illinois 19 $ 2,135,000 $ 112,368 $ 63,000
Warrick, Indiana 19 $ 2,453,000 $ 129,105 $ 49,000
Henderson, Kentucky 19 $ 2,705,000 $ 142,368 $ 57,000
Weber, Utah 19 $ 3,159,000 $ 166,263 $ 53,000
Virginia Beach, Virginia 19 $ 5,021,000 $ 264,263 $ 77,000
Cowlitz, Washington 19 $ 3,346,000 $ 176,105 $ 80,000
Walton, Georgia 18 $ 3,453,000 $ 191,833 $ 122,000
Oakland, Michigan 18 $ 2,754,000 $ 153,000 $ 124,000
Josephine, Oregon 18 $ 3,812,000 $ 211,777 $ 65,000
Pima, Arizona 17 $ 3,193,000 $ 187,823 $ 122,000
Indian River, Florida 17 $ 2,556,000 $ 150,352 $ 46,000
Canyon, Idaho 17 $ 3,220,000 $ 189,411 $ 66,000
Sanders, Montana 17 $ 2,359,000 $ 138,764 $ 58,000
Mason, Washington 17 $ 3,353,000 $ 197,235 $ 71,000
Lumpkin, Georgia 16 $ 3,286,000 $ 205,375 $ 80,000
Wake, North Carolina 16 $ 2,328,000 $ 145,500 $ 90,000
Franklin, Ohio 16 $ 2,496,000 $ 156,000 $ 172,000
Green, Wisconsin 16 $ 2,791,000 $ 174,437 $ 80,000
Larimer, Colorado 15 $ 3,479,000 $ 231,933 $ 87,000
DeKalb, Illinois 15 $ 3,420,000 $ 228,000 $ 78,000
Ogle, Illinois 15 $ 2,771,000 $ 184,733 $ 76,000
York, Maine 15 $ 2,714,000 $ 180,933 $ 55,000
Lincoln, Oregon 15 $ 3,566,000 $ 237,733 $ 97,000
Wasco, Oregon 15 $ 2,544,000 $ 169,600 $ 80,000
Parker, Texas 15 $ 3,235,000 $ 215,666 $ 127,000
Davis, Utah 15 $ 2,563,000 $ 170,866 $ 70,000
Chesapeake, Virginia 15 $ 4,086,000 $ 272,400 $ 101,000
Chelan, Washington 15 $ 3,456,000 $ 230,400 $ 94,000
Franklin, Washington 15 $ 2,065,000 $ 137,666 $ 90,000
Walla Walla, Washington 15 $ 2,688,000 $ 179,200 $ 63,000
Clarke, Georgia 14 $ 1,662,000 $ 118,714 $ 70,000
Johnson, Iowa 14 $ 1,718,000 $ 122,714 $ 63,000
Linn, Iowa 14 $ 2,326,000 $ 166,142 $ 68,000
Jackson, Missouri 14 $ 2,265,000 $ 161,785 $ 84,000
Overton, Tennessee 14 $ 1,386,000 $ 99,000 $ 44,000
Shelby, Tennessee 14 $ 2,687,000 $ 191,928 $ 86,000
White, Tennessee 14 $ 1,384,000 $ 98,857 $ 50,000
San Mateo, California 13 $ 3,819,000 $ 293,769 $ 180,000
Paulding, Georgia 13 $ 2,076,000 $ 159,692 $ 68,000
Stephens, Georgia 13 $ 1,309,000 $ 100,692 $ 48,000
Whiteside, Illinois 13 $ 1,535,000 $ 118,076 $ 49,000
Howard, Maryland 13 $ 3,183,000 $ 244,846 $ 158,000
Belknap, New Hampshire 13 $ 2,626,000 $ 202,000 $ 148,000
Davidson, Tennessee 13 $ 2,321,000 $ 178,538 $ 83,000
Boulder, Colorado 12 $ 2,448,000 $ 204,000 $ 161,000
Citrus, Florida 12 $ 1,491,000 $ 124,250 $ 59,000
Banks, Georgia 12 $ 1,844,000 $ 153,666 $ 51,000
Greene, Georgia 12 $ 3,245,000 $ 270,416 $ 186,000
Putnam, Georgia 12 $ 3,318,000 $ 276,500 $ 113,000
Rabun, Georgia 12 $ 1,965,000 $ 163,750 $ 78,000
Gallatin, Montana 12 $ 2,933,000 $ 244,416 $ 74,000
Cuyahoga, Ohio 12 $ 1,729,000 $ 144,083 $ 85,000
Oklahoma, Oklahoma 12 $ 1,859,000 $ 154,916 $ 68,000
Jefferson, Oregon 12 $ 2,169,000 $ 180,750 $ 68,000
Washington, Utah 12 $ 1,839,000 $ 153,250 $ 110,000
Stafford, Virginia 12 $ 2,938,000 $ 244,833 $ 86,000
Sonoma, California 11 $ 2,215,000 $ 201,363 $ 103,000
Litchfield, Connecticut 11 $ 2,435,000 $ 221,363 $ 82,000
Tolland, Connecticut 11 $ 2,552,000 $ 232,000 $ 69,000
Walton, Florida 11 $ 2,121,000 $ 192,818 $ 73,000
Bonner, Idaho 11 $ 1,958,000 $ 178,000 $ 68,000
St. Clair, Illinois 11 $ 1,933,000 $ 175,727 $ 76,000
Cumberland, Maine 11 $ 2,696,000 $ 245,090 $ 132,000
Anne Arundel, Maryland 11 $ 2,885,000 $ 262,272 $ 108,000
Sarpy, Nebraska 11 $ 1,708,000 $ 155,272 $ 88,000
Atlantic, New Jersey 11 $ 2,763,000 $ 251,181 $ 114,000
Brunswick, North Carolina 11 $ 2,302,000 $ 209,272 $ 105,000
Tillamook, Oregon 11 $ 2,632,000 $ 239,272 $ 149,000
Island, Washington 11 $ 2,471,000 $ 224,636 $ 102,000
Lewis, Washington 11 $ 1,959,000 $ 178,090 $ 69,000
Sacramento, California 10 $ 1,717,000 $ 171,700 $ 165,000
Solano, California 10 $ 2,757,000 $ 275,700 $ 83,000
Escambia, Florida 10 $ 2,022,000 $ 202,200 $ 73,000
Lake, Florida 10 $ 2,150,000 $ 215,000 $ 73,000
Henry, Georgia 10 $ 1,511,000 $ 151,100 $ 73,000
Newton, Georgia 10 $ 1,381,000 $ 138,100 $ 59,000
Pickens, Georgia 10 $ 2,283,000 $ 228,300 $ 114,000
Lake, Indiana 10 $ 1,474,000 $ 147,400 $ 45,000
Cedar, Iowa 10 $ 1,336,000 $ 133,600 $ 118,000
Rapides, Louisiana 10 $ 1,792,000 $ 179,200 $ 91,000
Harford, Maryland 10 $ 2,512,000 $ 251,200 $ 155,000
Anoka, Minnesota 10 $ 1,458,000 $ 145,800 $ 83,000
Tulsa, Oklahoma 10 $ 1,940,000 $ 194,000 $ 103,000
Polk, Oregon 10 $ 2,090,000 $ 209,000 $ 80,000
Cumberland, Pennsylvania 10 $ 1,884,000 $ 188,400 $ 135,000
Richland, South Carolina 10 $ 2,291,000 $ 229,100 $ 93,000
Wilson, Tennessee 10 $ 1,815,000 $ 181,500 $ 68,000
Montgomery, Texas 10 $ 1,893,000 $ 189,300 $ 83,000
Klickitat, Washington 10 $ 2,338,000 $ 233,800 $ 77,000
Lincoln, Washington 10 $ 1,675,000 $ 167,500 $ 86,000
Jefferson, Wisconsin 10 $ 1,464,000 $ 146,400 $ 60,000
Placer, California 9 $ 1,520,000 $ 168,888 $ 140,000
Okaloosa, Florida 9 $ 1,750,000 $ 194,444 $ 82,000
Warren, Kentucky 9 $ 1,391,000 $ 154,555 $ 56,000
Dakota, Minnesota 9 $ 1,859,000 $ 206,555 $ 107,000
Ramsey, Minnesota 9 $ 1,614,000 $ 179,333 $ 78,000
DeSoto, Mississippi 9 $ 1,827,000 $ 203,000 $ 81,000
Lincoln, Montana 9 $ 2,032,000 $ 225,777 $ 80,000
Cheshire, New Hampshire 9 $ 1,885,000 $ 209,444 $ 68,000
Travis, Texas 9 $ 2,329,000 $ 258,777 $ 92,000
Arlington, Virginia 9 $ 2,874,000 $ 319,333 $ 158,000
Chesterfield, Virginia 9 $ 2,336,000 $ 259,555 $ 74,000
Douglas, Washington 9 $ 1,888,000 $ 209,777 $ 62,000
Grant, Washington 9 $ 1,723,000 $ 191,444 $ 85,000
Whitman, Washington 9 $ 1,373,000 $ 152,555 $ 68,000
Sheboygan, Wisconsin 9 $ 1,180,000 $ 131,111 $ 46,000
Madison, Alabama 8 $ 1,229,000 $ 153,625 $ 73,000
Pinellas, Florida 8 $ 1,495,000 $ 186,875 $ 195,000
Mercer, Illinois 8 $ 869,000 $ 108,625 $ 67,000
Jackson, Iowa 8 $ 773,000 $ 96,625 $ 43,000
St. Louis City, Missouri 8 $ 1,239,000 $ 154,875 $ 63,000
Ravalli, Montana 8 $ 1,875,000 $ 234,375 $ 60,000
Durham, North Carolina 8 $ 1,482,000 $ 185,250 $ 59,000
Delaware, Ohio 8 $ 1,815,000 $ 226,875 $ 129,000
Clatsop, Oregon 8 $ 1,622,000 $ 202,750 $ 148,000
Crook, Oregon 8 $ 1,959,000 $ 244,875 $ 153,000
Horry, South Carolina 8 $ 1,315,000 $ 164,375 $ 85,000
Henderson, Texas 8 $ 1,290,000 $ 161,250 $ 135,000
Fauquier, Virginia 8 $ 2,320,000 $ 290,000 $ 173,000
Henrico, Virginia 8 $ 906,000 $ 113,250 $ 91,000
Spotsylvania, Virginia 8 $ 1,472,000 $ 184,000 $ 76,000
Skamania, Washington 8 $ 1,564,000 $ 195,500 $ 78,000
Outagamie, Wisconsin 8 $ 999,000 $ 124,875 $ 52,000
Winnebago, Wisconsin 8 $ 1,092,000 $ 136,500 $ 171,000
New Castle, Delaware 7 $ 1,233,000 $ 176,142 $ 77,000
Pasco, Florida 7 $ 1,237,000 $ 176,714 $ 63,000
Knox, Illinois 7 $ 880,000 $ 125,714 $ 63,000
Porter, Indiana 7 $ 1,026,000 $ 146,571 $ 78,000
Dallas, Iowa 7 $ 1,040,000 $ 148,571 $ 51,000
Wyandotte, Kansas 7 $ 1,152,000 $ 164,571 $ 71,000
Baltimore, Maryland 7 $ 1,076,000 $ 153,714 $ 54,000
Missoula, Montana 7 $ 1,592,000 $ 227,428 $ 82,000
Benton, Oregon 7 $ 1,296,000 $ 185,142 $ 70,000
Berks, Pennsylvania 7 $ 1,552,000 $ 221,714 $ 97,000
Newport, Rhode Island 7 $ 1,803,000 $ 257,571 $ 104,000
Jackson, Tennessee 7 $ 516,000 $ 73,714 $ 32,000
Williamson, Tennessee 7 $ 2,069,000 $ 295,571 $ 121,000
Lubbock, Texas 7 $ 496,000 $ 70,857 $ 133,000
Okanogan, Washington 7 $ 1,177,000 $ 168,142 $ 66,000
Walworth, Wisconsin 7 $ 1,138,000 $ 162,571 $ 200,000
Jefferson, Alabama 6 $ 867,000 $ 144,500 $ 78,000
San Francisco, California 6 $ 992,000 $ 165,333 $ 142,000
Middlesex, Connecticut 6 $ 1,184,000 $ 197,333 $ 59,000
Clay, Florida 6 $ 1,414,000 $ 235,666 $ 106,000
Hernando, Florida 6 $ 842,000 $ 140,333 $ 101,000
Okeechobee, Florida 6 $ 918,000 $ 153,000 $ 63,000
Palm Beach, Florida 6 $ 518,000 $ 86,333 $ 138,000
Douglas, Georgia 6 $ 1,115,000 $ 185,833 $ 68,000
Franklin, Georgia 6 $ 884,000 $ 147,333 $ 58,000
Sedgwick, Kansas 6 $ 1,174,000 $ 195,666 $ 125,000
Wayne, Michigan 6 $ 1,091,000 $ 181,833 $ 104,000
Scott, Minnesota 6 $ 477,000 $ 79,500 $ 74,000
Lee, Mississippi 6 $ 1,022,000 $ 170,333 $ 68,000
Sandoval, New Mexico 6 $ 1,887,000 $ 314,500 $ 139,000
Coos, Oregon 6 $ 1,067,000 $ 177,833 $ 78,000
Lexington, South Carolina 6 $ 949,000 $ 158,166 $ 90,000
Cumberland, Tennessee 6 $ 696,000 $ 116,000 $ 48,000
Robertson, Tennessee 6 $ 1,100,000 $ 183,333 $ 81,000
Bexar, Texas 6 $ 1,501,000 $ 250,166 $ 109,000
Fort Bend, Texas 6 $ 1,516,000 $ 252,666 $ 105,000
Kaufman, Texas 6 $ 943,000 $ 157,166 $ 47,000
Grays Harbor, Washington 6 $ 1,033,000 $ 172,166 $ 56,000
Pend Oreille, Washington 6 $ 930,000 $ 155,000 $ 77,000
Skagit, Washington 6 $ 1,285,000 $ 214,166 $ 61,000
Brown, Wisconsin 6 $ 361,000 $ 60,166 $ 108,000
Oconto, Wisconsin 6 $ 839,000 $ 139,833 $ 66,000
Coconino, Arizona 5 $ 710,000 $ 142,000 $ 90,000
Santa Cruz, Arizona 5 $ 745,000 $ 149,000 $ 68,000
Kern, California 5 $ 679,000 $ 135,800 $ 41,000
Stanislaus, California 5 $ 744,000 $ 148,800 $ 99,000
Eagle, Colorado 5 $ 1,505,000 $ 301,000 $ 160,000
Mesa, Colorado 5 $ 1,034,000 $ 206,800 $ 113,000
Pueblo, Colorado 5 $ 653,000 $ 130,600 $ 58,000
St. Johns, Florida 5 $ 1,360,000 $ 272,000 $ 251,000
Bibb, Georgia 5 $ 371,000 $ 74,200 $ 55,000
Morgan, Georgia 5 $ 1,403,000 $ 280,600 $ 84,000
Spalding, Georgia 5 $ 280,000 $ 56,000 $ 29,000
Grundy, Illinois 5 $ 1,085,000 $ 217,000 $ 87,000
Tazewell, Illinois 5 $ 614,000 $ 122,800 $ 44,000
Marion, Indiana 5 $ 574,000 $ 114,800 $ 60,000
Boone, Iowa 5 $ 583,000 $ 116,600 $ 40,000
Oldham, Kentucky 5 $ 1,274,000 $ 254,800 $ 111,000
Kent, Michigan 5 $ 959,000 $ 191,800 $ 99,000
Macomb, Michigan 5 $ 571,000 $ 114,200 $ 60,000
Washtenaw, Michigan 5 $ 1,299,000 $ 259,800 $ 119,000
Washington, Minnesota 5 $ 931,000 $ 186,200 $ 110,000
Yellowstone, Montana 5 $ 990,000 $ 198,000 $ 153,000
Elko, Nevada 5 $ 1,078,000 $ 215,600 $ 68,000
Carroll, New Hampshire 5 $ 958,000 $ 191,600 $ 110,000
Burlington, New Jersey 5 $ 848,000 $ 169,600 $ 82,000
Camden, New Jersey 5 $ 1,107,000 $ 221,400 $ 92,000
Nassau, New York 5 $ 627,000 $ 125,400 $ 163,000
Queens, New York 5 $ 554,000 $ 110,800 $ 123,000
Union, North Carolina 5 $ 1,532,000 $ 306,400 $ 156,000
Northampton, Pennsylvania 5 $ 688,000 $ 137,600 $ 123,000
York, Pennsylvania 5 $ 786,000 $ 157,200 $ 75,000
Rutherford, Tennessee 5 $ 648,000 $ 129,600 $ 48,000
Rockwall, Texas 5 $ 1,114,000 $ 222,800 $ 94,000
Tooele, Utah 5 $ 763,000 $ 152,600 $ 47,000
Hanover, Virginia 5 $ 1,278,000 $ 255,600 $ 99,000
San Juan, Washington 5 $ 1,031,000 $ 206,200 $ 68,000
Columbia, Wisconsin 5 $ 899,000 $ 179,800 $ 62,000
Dodge, Wisconsin 5 $ 764,000 $ 152,800 $ 63,000
Grant, Wisconsin 5 $ 697,000 $ 139,400 $ 77,000
Navajo, Arizona 4 $ 872,000 $ 218,000 $ 95,000
Butte, California 4 $ 982,000 $ 245,500 $ 14,000
El Dorado, California 4 $ 837,000 $ 209,250 $ 97,000
Fresno, California 4 $ 1,094,000 $ 273,500 $ 81,000
San Joaquin, California 4 $ 944,000 $ 236,000 $ 130,000
Weld, Colorado 4 $ 751,000 $ 187,750 $ 75,000
Collier, Florida 4 $ 817,000 $ 204,250 $ 142,000
Duval, Florida 4 $ 710,000 $ 177,500 $ 65,000
Miami-Dade, Florida 4 $ 1,555,000 $ 388,750 $ 158,000
Bartow, Georgia 4 $ 587,000 $ 146,750 $ 31,000
Madison, Georgia 4 $ 423,000 $ 105,750 $ 70,000
Rockdale, Georgia 4 $ 825,000 $ 206,250 $ 76,000
Towns, Georgia 4 $ 517,000 $ 129,250 $ 144,000
Benewah, Idaho 4 $ 837,000 $ 209,250 $ 92,000
Nez Perce, Idaho 4 $ 902,000 $ 225,500 $ 67,000
LaSalle, Illinois 4 $ 718,000 $ 179,500 $ 48,000
Lee, Illinois 4 $ 580,000 $ 145,000 $ 56,000
Stephenson, Illinois 4 $ 328,000 $ 82,000 $ 46,000
Woodford, Illinois 4 $ 392,000 $ 98,000 $ 54,000
Warren, Iowa 4 $ 644,000 $ 161,000 $ 66,000
Douglas, Kansas 4 $ 594,000 $ 148,500 $ 242,000
St. Tammany, Louisiana 4 $ 630,000 $ 157,500 $ 107,000
Midland, Michigan 4 $ 746,000 $ 186,500 $ 129,000
Chisago, Minnesota 4 $ 1,152,000 $ 288,000 $ 143,000
St. Louis, Minnesota 4 $ 251,000 $ 62,750 $ 57,000
Platte, Missouri 4 $ 639,000 $ 159,750 $ 97,000
Cass, Nebraska 4 $ 1,111,000 $ 277,750 $ 113,000
Lincoln, Nebraska 4 $ 862,000 $ 215,500 $ 79,000
Ocean, New Jersey 4 $ 993,000 $ 248,250 $ 85,000
Dona Ana, New Mexico 4 $ 1,138,000 $ 284,500 $ 78,000
Santa Fe, New Mexico 4 $ 612,000 $ 153,000 $ 110,000
Valencia, New Mexico 4 $ 780,000 $ 195,000 $ 231,000
Suffolk, New York 4 $ 316,000 $ 79,000 $ 179,000
Cabarrus, North Carolina 4 $ 766,000 $ 191,500 $ 95,000
Guilford, North Carolina 4 $ 374,000 $ 93,500 $ 87,000
Marion, Ohio 4 $ 316,000 $ 79,000 $ 63,000
Union, Oregon 4 $ 637,000 $ 159,250 $ 110,000
Allegheny, Pennsylvania 4 $ 547,000 $ 136,750 $ 90,000
Beaver, Pennsylvania 4 $ 333,000 $ 83,250 $ 118,000
Lancaster, Pennsylvania 4 $ 698,000 $ 174,500 $ 75,000
Bristol, Rhode Island 4 $ 712,000 $ 178,000 $ 78,000
Florence, South Carolina 4 $ 553,000 $ 138,250 $ 60,000
Greenville, South Carolina 4 $ 818,000 $ 204,500 $ 95,000
Clay, Tennessee 4 $ 522,000 $ 130,500 $ 45,000
Hamilton, Tennessee 4 $ 467,000 $ 116,750 $ 67,000
Knox, Tennessee 4 $ 632,000 $ 158,000 $ 25,000
Iron, Utah 4 $ 340,000 $ 85,000 $ 89,000
Summit, Utah 4 $ 1,441,000 $ 360,250 $ 142,000
Windham, Vermont 4 $ 700,000 $ 175,000 $ 61,000
James City, Virginia 4 $ 1,181,000 $ 295,250 $ 106,000
Ferry, Washington 4 $ 482,000 $ 120,500 $ 33,000
Kittitas, Washington 4 $ 963,000 $ 240,750 $ 72,000
Calumet, Wisconsin 4 $ 431,000 $ 107,750 $ 70,000
Iowa, Wisconsin 4 $ 885,000 $ 221,250 $ 92,000
Natrona, Wyoming 4 $ 477,000 $ 119,250 $ 69,000
Blount, Alabama 3 $ 496,000 $ 165,333 $ 83,000
Crenshaw, Alabama 3 $ 604,000 $ 201,333 $ 97,000
Shelby, Alabama 3 $ 651,000 $ 217,000 $ 89,000
Mohave, Arizona 3 $ 582,000 $ 194,000 $ 74,000
Crittenden, Arkansas 3 $ 391,000 $ 130,333 $ 94,000
Amador, California 3 $ 578,000 $ 192,666 $ 61,000
Marin, California 3 $ 1,201,000 $ 400,333 $ 148,000
San Luis Obispo, California 3 $ 1,089,000 $ 363,000 $ 99,000
Tuolumne, California 3 $ 702,000 $ 234,000 $ 122,000
Yolo, California 3 $ 522,000 $ 174,000 $ 135,000
Elbert, Colorado 3 $ 1,180,000 $ 393,333 $ 127,000
Fremont, Colorado 3 $ 438,000 $ 146,000 $ 70,000
Summit, Colorado 3 $ 510,000 $ 170,000 $ 112,000
Kent, Delaware 3 $ 846,000 $ 282,000 $ 43,000
Charlotte, Florida 3 $ 458,000 $ 152,666 $ 58,000
Leon, Florida 3 $ 628,000 $ 209,333 $ 103,000
Martin, Florida 3 $ 590,000 $ 196,666 $ 140,000
Monroe, Florida 3 $ 1,484,000 $ 494,666 $ 920,000
Seminole, Florida 3 $ 488,000 $ 162,666 $ 65,000
Baldwin, Georgia 3 $ 557,000 $ 185,666 $ 108,000
Bulloch, Georgia 3 $ 414,000 $ 138,000 $ 48,000
Chatham, Georgia 3 $ 606,000 $ 202,000 $ 68,000
Columbia, Georgia 3 $ 494,000 $ 164,666 $ 95,000
Oconee, Georgia 3 $ 603,000 $ 201,000 $ 112,000
Oglethorpe, Georgia 3 $ 979,000 $ 326,333 $ 99,000
Union, Georgia 3 $ 941,000 $ 313,666 $ 118,000
Bannock, Idaho 3 $ 527,000 $ 175,666 $ 70,000
Gem, Idaho 3 $ 273,000 $ 91,000 $ 29,000
Kankakee, Illinois 3 $ 516,000 $ 172,000 $ 92,000
Madison, Illinois 3 $ 563,000 $ 187,666 $ 146,000
Boone, Indiana 3 $ 881,000 $ 293,666 $ 143,000
Hancock, Indiana 3 $ 416,000 $ 138,666 $ 102,000
LaPorte, Indiana 3 $ 379,000 $ 126,333 $ 90,000
Vigo, Indiana 3 $ 437,000 $ 145,666 $ 97,000
Benton, Iowa 3 $ 333,000 $ 111,000 $ 63,000
Madison, Iowa 3 $ 656,000 $ 218,666 $ 301,000
Story, Iowa 3 $ 322,000 $ 107,333 $ 47,000
Scott, Kentucky 3 $ 452,000 $ 150,666 $ 72,000
Baltimore City, Maryland 3 $ 488,000 $ 162,666 $ 135,000
Carroll, Maryland 3 $ 630,000 $ 210,000 $ 39,000
Charles, Maryland 3 $ 490,000 $ 163,333 $ 108,000
Frederick, Maryland 3 $ 531,000 $ 177,000 $ 128,000
Berkshire, Massachusetts 3 $ 680,000 $ 226,666 $ 164,000
Mower, Minnesota 3 $ 394,000 $ 131,333 $ 38,000
Pine, Minnesota 3 $ 480,000 $ 160,000 $ 137,000
Pontotoc, Mississippi 3 $ 615,000 $ 205,000 $ 66,000
Cass, Missouri 3 $ 336,000 $ 112,000 $ 97,000
Lincoln, Missouri 3 $ 423,000 $ 141,000 $ 67,000
Grafton, New Hampshire 3 $ 665,000 $ 221,666 $ 91,000
Sullivan, New Hampshire 3 $ 961,000 $ 320,333 $ 158,000
Essex, New Jersey 3 $ 839,000 $ 279,666 $ 225,000
Gloucester, New Jersey 3 $ 612,000 $ 204,000 $ 77,000
Mercer, New Jersey 3 $ 469,000 $ 156,333 $ 188,000
Monmouth, New Jersey 3 $ 648,000 $ 216,000 $ 147,000
Morris, New Jersey 3 $ 567,000 $ 189,000 $ 275,000
San Juan, New Mexico 3 $ 631,000 $ 210,333 $ 87,000
Iredell, North Carolina 3 $ 524,000 $ 174,666 $ 69,000
Surry, North Carolina 3 $ 277,000 $ 92,333 $ 32,000
Butler, Ohio 3 $ 456,000 $ 152,000 $ 78,000
Hamilton, Ohio 3 $ 484,000 $ 161,333 $ 74,000
Lucas, Ohio 3 $ 473,000 $ 157,666 $ 109,000
Rogers, Oklahoma 3 $ 808,000 $ 269,333 $ 115,000
Lackawanna, Pennsylvania 3 $ 463,000 $ 154,333 $ 109,000
Aiken, South Carolina 3 $ 403,000 $ 134,333 $ 91,000
Anderson, South Carolina 3 $ 929,000 $ 309,666 $ 94,000
Madison, Tennessee 3 $ 338,000 $ 112,666 $ 66,000
Sevier, Tennessee 3 $ 486,000 $ 162,000 $ 74,000
Bell, Texas 3 $ 345,000 $ 115,000 $ 86,000
Brazos, Texas 3 $ 482,000 $ 160,666 $ 74,000
Galveston, Texas 3 $ 478,000 $ 159,333 $ 29,000
Midland, Texas 3 $ 826,000 $ 275,333 $ 118,000
Albemarle, Virginia 3 $ 503,000 $ 167,666 $ 74,000
Alexandria, Virginia 3 $ 796,000 $ 265,333 $ 197,000
Culpeper, Virginia 3 $ 637,000 $ 212,333 $ 70,000
Frederick, Virginia 3 $ 520,000 $ 173,333 $ 74,000
Hampton, Virginia 3 $ 615,000 $ 205,000 $ 94,000
Portsmouth, Virginia 3 $ 499,000 $ 166,333 $ 50,000
Roanoke, Virginia 3 $ 587,000 $ 195,666 $ 92,000
Salem, Virginia 3 $ 579,000 $ 193,000 $ 113,000
York, Virginia 3 $ 508,000 $ 169,333 $ 76,000
Clallam, Washington 3 $ 703,000 $ 234,333 $ 71,000
Jefferson, Washington 3 $ 1,020,000 $ 340,000 $ 89,000
Pacific, Washington 3 $ 699,000 $ 233,000 $ 84,000
Whatcom, Washington 3 $ 920,000 $ 306,666 $ 83,000
Berkeley, West Virginia 3 $ 473,000 $ 157,666 $ 41,000
Fond du Lac, Wisconsin 3 $ 324,000 $ 108,000 $ 75,000
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Mortgage Loan Application Detail Totals for Guaranty Bank, FSB 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 9,303 $1,746,474,000 $187,000 $1,238,000 $90,000 $3,354,000
Refinancing 6,741 $1,374,780,000 $203,000 $1,820,000 $91,000 $1,443,000
Home Improvement 399 $75,571,000 $189,000 $819,000 $92,000 $1,750,000

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 13,184 $2,586,713,000 $196,000 $1,371,000 $92,000 $1,750,000
Hispanic 982 $163,112,000 $166,000 $600,000 $65,000 $549,000
Black or African American 837 $147,072,000 $175,000 $1,238,000 $73,000 $3,354,000
Not Provided 748 $152,167,000 $203,000 $1,084,000 $93,000 $900,000
Asian 590 $128,620,000 $218,000 $1,820,000 $112,000 $1,200,000
American Indian or Alaskan Native 57 $10,349,000 $181,000 $417,000 $82,000 $258,000
Native Hawaiian or Other Pacific Islander 45 $8,792,000 $195,000 $417,000 $101,000 $679,000
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) 10,914 $2,226,637,000 $204,000 $1,820,000 $106,000 $3,354,000
FHA-insured (Federal Housing Administration) 4,711 $811,289,000 $172,000 $741,000 $59,000 $395,000
VA-guaranteed (Veterans Administration) 657 $132,702,000 $201,000 $417,000 $58,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 161 $26,197,000 $162,000 $247,000 $46,000 $88,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Purchased By The Institution 16,443 $3,196,825,000 $194,000 $1,820,000 $90,000 $3,354,000
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 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, 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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