Guaranty Bank, FSB Mortgage Lending & HMDA Data, 2005
In 2005, Guaranty Bank, FSB of Brown Deer, WI reported 33,400 mortgage applications totaling $4.2 billion, down 26% from 2004. The average application was for $126,107, and applicants reported an average income of $77,761. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (2,284), Chicago-Naperville-Joliet, IL (2,147) and Phoenix-Mesa-Scottsdale, AZ (1,529) (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 | 33,400 |
| Total Mortgage Loan Application Amount | $4,211,983,000 |
| Average Mortgage Loan Application Amount | $126,107 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $77,761 |
| Highest Applicant Income | $4,048,000 |
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Act (HMDA) records Guaranty Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 2,284 | $ 266,302,000 | $ 116,594 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 2,147 | $ 285,208,000 | $ 132,840 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,529 | $ 182,309,000 | $ 119,234 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,226 | $ 131,371,000 | $ 107,154 | $ 70,000 |
| Portland-Vancouver-Beaverton, OR-WA | 944 | $ 113,605,000 | $ 120,344 | $ 69,000 |
| Charleston-North Charleston, SC | 883 | $ 138,838,000 | $ 157,234 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 797 | $ 63,550,000 | $ 79,736 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 752 | $ 87,980,000 | $ 116,994 | $ 82,000 |
| Denver-Aurora, CO | 673 | $ 75,291,000 | $ 111,873 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 656 | $ 188,816,000 | $ 287,829 | $ 109,000 |
| Eugene-Springfield, OR | 573 | $ 78,383,000 | $ 136,794 | $ 66,000 |
| Philadelphia, PA | 550 | $ 99,009,000 | $ 180,016 | $ 99,000 |
| Palm Bay-Melbourne-Titusville, FL | 548 | $ 81,292,000 | $ 148,343 | $ 57,000 |
| Dallas-Plano-Irving, TX | 521 | $ 65,740,000 | $ 126,180 | $ 79,000 |
| Madison, WI | 494 | $ 65,862,000 | $ 133,323 | $ 66,000 |
| Boston-Quincy, MA | 448 | $ 93,725,000 | $ 209,207 | $ 94,000 |
| Providence-New Bedford-Fall River, RI-MA | 384 | $ 63,201,000 | $ 164,585 | $ 74,000 |
| Lakeland, FL | 373 | $ 54,433,000 | $ 145,932 | $ 55,000 |
| Tampa-St. Petersburg-Clearwater, FL | 345 | $ 28,664,000 | $ 83,084 | $ 76,000 |
| Cambridge-Newton-Framingham, MA | 320 | $ 70,440,000 | $ 220,125 | $ 95,000 |
| Rockford, IL | 312 | $ 28,305,000 | $ 90,721 | $ 58,000 |
| Worcester, MA | 311 | $ 47,594,000 | $ 153,035 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 310 | $ 42,700,000 | $ 137,741 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 309 | $ 56,253,000 | $ 182,048 | $ 100,000 |
| Essex County, MA | 277 | $ 58,967,000 | $ 212,877 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 271 | $ 11,101,000 | $ 40,963 | $ 72,000 |
| Spokane, WA | 270 | $ 27,682,000 | $ 102,525 | $ 58,000 |
| Indianapolis, IN | 254 | $ 23,288,000 | $ 91,685 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 243 | $ 24,063,000 | $ 99,024 | $ 84,000 |
| Tacoma, WA | 221 | $ 22,590,000 | $ 102,217 | $ 81,000 |
| Orlando, FL | 216 | $ 24,538,000 | $ 113,601 | $ 71,000 |
| New Haven-Milford, CT | 208 | $ 24,419,000 | $ 117,399 | $ 89,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 197 | $ 26,904,000 | $ 136,568 | $ 67,000 |
| Pittsburgh, PA | 195 | $ 11,132,000 | $ 57,087 | $ 63,000 |
| Warren-Farmington Hills-Troy, MI | 187 | $ 10,495,000 | $ 56,122 | $ 79,000 |
| Santa Ana-Anaheim-Irvine, CA | 175 | $ 50,886,000 | $ 290,777 | $ 115,000 |
| Port St. Lucie-Fort Pierce, FL | 170 | $ 26,276,000 | $ 154,564 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 169 | $ 22,009,000 | $ 130,230 | $ 66,000 |
| Gainesville, GA | 168 | $ 22,052,000 | $ 131,261 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 166 | $ 26,797,000 | $ 161,427 | $ 87,000 |
| Des Moines, IA | 163 | $ 11,399,000 | $ 69,932 | $ 59,000 |
| Baltimore-Towson, MD | 161 | $ 19,178,000 | $ 119,118 | $ 86,000 |
| Evansville, IN-KY | 159 | $ 18,924,000 | $ 119,018 | $ 53,000 |
| Las Vegas-Paradise, NV | 157 | $ 14,991,000 | $ 95,484 | $ 84,000 |
| Charlotte-Gastonia-Concord, NC-SC | 155 | $ 6,799,000 | $ 43,864 | $ 78,000 |
| Bethesda-Frederick-Gaithersburg, MD | 148 | $ 29,260,000 | $ 197,702 | $ 92,000 |
| Bend, OR | 146 | $ 22,793,000 | $ 156,116 | $ 120,000 |
| Rockingham County-Strafford County, NH | 145 | $ 26,765,000 | $ 184,586 | $ 75,000 |
| Salt Lake City, UT | 138 | $ 9,596,000 | $ 69,536 | $ 115,000 |
| Colorado Springs, CO | 136 | $ 15,241,000 | $ 112,066 | $ 69,000 |
| San Diego-Carlsbad-San Marcos, CA | 135 | $ 38,871,000 | $ 287,933 | $ 93,000 |
| Cleveland-Elyria-Mentor, OH | 128 | $ 5,292,000 | $ 41,343 | $ 63,000 |
| Jacksonville, FL | 126 | $ 15,326,000 | $ 121,634 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 124 | $ 16,377,000 | $ 132,072 | $ 78,000 |
| Albuquerque, NM | 123 | $ 12,174,000 | $ 98,975 | $ 79,000 |
| Manchester-Nashua, NH | 123 | $ 19,135,000 | $ 155,569 | $ 78,000 |
| Sarasota-Bradenton-Venice, FL | 118 | $ 14,910,000 | $ 126,355 | $ 77,000 |
| Vero Beach, FL | 117 | $ 14,096,000 | $ 120,478 | $ 56,000 |
| Miami-Miami Beach-Kendall, FL | 116 | $ 12,033,000 | $ 103,732 | $ 89,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 110 | $ 14,516,000 | $ 131,963 | $ 86,000 |
| Columbus, OH | 109 | $ 4,787,000 | $ 43,917 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 108 | $ 6,059,000 | $ 56,101 | $ 58,000 |
| Fort Walton Beach-Crestview-Destin, FL | 107 | $ 14,751,000 | $ 137,859 | $ 53,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 104 | $ 12,298,000 | $ 118,250 | $ 103,000 |
| Coeur D'Alene, ID | 102 | $ 11,601,000 | $ 113,735 | $ 58,000 |
| Punta Gorda, FL | 102 | $ 12,882,000 | $ 126,294 | $ 55,000 |
| Naples-Marco Island, FL | 97 | $ 16,490,000 | $ 170,000 | $ 77,000 |
| Tucson, AZ | 96 | $ 6,905,000 | $ 71,927 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 96 | $ 9,098,000 | $ 94,770 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 93 | $ 15,715,000 | $ 168,978 | $ 111,000 |
| Ocala, FL | 91 | $ 10,847,000 | $ 119,197 | $ 57,000 |
| Medford, OR | 90 | $ 16,291,000 | $ 181,011 | $ 80,000 |
| Oklahoma City, OK | 85 | $ 4,128,000 | $ 48,564 | $ 87,000 |
| Racine, WI | 85 | $ 9,854,000 | $ 115,929 | $ 64,000 |
| Tallahassee, FL | 84 | $ 6,382,000 | $ 75,976 | $ 81,000 |
| Louisville, KY-IN | 80 | $ 4,851,000 | $ 60,637 | $ 69,000 |
| Salem, OR | 78 | $ 6,649,000 | $ 85,243 | $ 60,000 |
| St. Louis, MO-IL | 78 | $ 4,551,000 | $ 58,346 | $ 70,000 |
| Akron, OH | 74 | $ 2,790,000 | $ 37,702 | $ 83,000 |
| Davenport-Moline-Rock Island, IA-IL | 73 | $ 7,161,000 | $ 98,095 | $ 60,000 |
| Raleigh-Cary, NC | 73 | $ 3,434,000 | $ 47,041 | $ 86,000 |
| Green Bay, WI | 70 | $ 2,817,000 | $ 40,242 | $ 68,000 |
| Bridgeport-Stamford-Norwalk, CT | 68 | $ 10,366,000 | $ 152,441 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 68 | $ 21,596,000 | $ 317,588 | $ 96,000 |
| Athens-Clarke County, GA | 66 | $ 7,777,000 | $ 117,833 | $ 74,000 |
| Barnstable Town, MA | 66 | $ 14,230,000 | $ 215,606 | $ 85,000 |
| Fresno, CA | 63 | $ 7,657,000 | $ 121,539 | $ 98,000 |
| Dayton, OH | 62 | $ 2,941,000 | $ 47,435 | $ 70,000 |
| Springfield, MA | 60 | $ 6,540,000 | $ 109,000 | $ 71,000 |
| Ogden-Clearfield, UT | 59 | $ 3,583,000 | $ 60,728 | $ 102,000 |
| Owensboro, KY | 58 | $ 6,645,000 | $ 114,568 | $ 55,000 |
| Bremerton-Silverdale, WA | 57 | $ 6,418,000 | $ 112,596 | $ 71,000 |
| Fort Worth-Arlington, TX | 55 | $ 6,099,000 | $ 110,890 | $ 72,000 |
| Norwich-New London, CT | 53 | $ 7,055,000 | $ 133,113 | $ 70,000 |
| Greeley, CO | 52 | $ 5,022,000 | $ 96,576 | $ 86,000 |
| Appleton, WI | 50 | $ 1,344,000 | $ 26,880 | $ 61,000 |
| Austin-Round Rock, TX | 50 | $ 5,357,000 | $ 107,140 | $ 90,000 |
| Richmond, VA | 50 | $ 4,118,000 | $ 82,360 | $ 79,000 |
| Kansas City, MO-KS | 49 | $ 1,745,000 | $ 35,612 | $ 64,000 |
| Atlantic City, NJ | 48 | $ 10,101,000 | $ 210,437 | $ 175,000 |
| Boise City-Nampa, ID | 48 | $ 4,376,000 | $ 91,166 | $ 82,000 |
| Fort Collins-Loveland, CO | 46 | $ 5,472,000 | $ 118,956 | $ 76,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 45 | $ 11,801,000 | $ 262,244 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 45 | $ 10,050,000 | $ 223,333 | $ 124,000 |
| Nashville-Davidson--Murfreesboro, TN | 44 | $ 3,109,000 | $ 70,659 | $ 74,000 |
| Bakersfield, CA | 40 | $ 4,960,000 | $ 124,000 | $ 82,000 |
| Janesville, WI | 40 | $ 3,067,000 | $ 76,675 | $ 65,000 |
| Olympia, WA | 39 | $ 2,871,000 | $ 73,615 | $ 86,000 |
| Bellingham, WA | 38 | $ 4,268,000 | $ 112,315 | $ 56,000 |
| Visalia-Porterville, CA | 37 | $ 5,923,000 | $ 160,081 | $ 92,000 |
| Portland-South Portland-Biddeford, ME | 36 | $ 4,655,000 | $ 129,305 | $ 81,000 |
| Elkhart-Goshen, IN | 34 | $ 2,805,000 | $ 82,500 | $ 49,000 |
| Memphis, TN-MS-AR | 34 | $ 2,729,000 | $ 80,264 | $ 74,000 |
| New York-Wayne-White Plains, NY-NJ | 34 | $ 2,227,000 | $ 65,500 | $ 90,000 |
| Gary, IN | 32 | $ 2,562,000 | $ 80,062 | $ 83,000 |
| Provo-Orem, UT | 32 | $ 1,245,000 | $ 38,906 | $ 57,000 |
| Grand Junction, CO | 31 | $ 4,342,000 | $ 140,064 | $ 112,000 |
| Omaha-Council Bluffs, NE-IA | 30 | $ 1,070,000 | $ 35,666 | $ 71,000 |
| St. Cloud, MN | 30 | $ 1,296,000 | $ 43,200 | $ 70,000 |
| York-Hanover, PA | 30 | $ 1,913,000 | $ 63,766 | $ 65,000 |
| Boulder, CO | 29 | $ 5,123,000 | $ 176,655 | $ 130,000 |
| Newark-Union, NJ-PA | 28 | $ 3,338,000 | $ 119,214 | $ 103,000 |
| Macon, GA | 26 | $ 979,000 | $ 37,653 | $ 70,000 |
| Nassau-Suffolk, NY | 26 | $ 1,978,000 | $ 76,076 | $ 116,000 |
| Tulsa, OK | 26 | $ 1,494,000 | $ 57,461 | $ 83,000 |
| Tyler, TX | 26 | $ 2,936,000 | $ 112,923 | $ 51,000 |
| Harrisburg-Carlisle, PA | 24 | $ 1,895,000 | $ 78,958 | $ 95,000 |
| Kennewick-Richland-Pasco, WA | 24 | $ 1,860,000 | $ 77,500 | $ 66,000 |
| Stockton, CA | 23 | $ 3,571,000 | $ 155,260 | $ 88,000 |
| Toledo, OH | 23 | $ 573,000 | $ 24,913 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 23 | $ 688,000 | $ 29,913 | $ 55,000 |
| Camden, NJ | 22 | $ 2,094,000 | $ 95,181 | $ 84,000 |
| Greensboro-High Point, NC | 22 | $ 724,000 | $ 32,909 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 21 | $ 1,039,000 | $ 49,476 | $ 65,000 |
| Columbia, SC | 21 | $ 750,000 | $ 35,714 | $ 62,000 |
| Oshkosh-Neenah, WI | 21 | $ 697,000 | $ 33,190 | $ 64,000 |
| Canton-Massillon, OH | 20 | $ 580,000 | $ 29,000 | $ 60,000 |
| Corvallis, OR | 20 | $ 2,883,000 | $ 144,150 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 20 | $ 1,018,000 | $ 50,900 | $ 73,000 |
| Pueblo, CO | 20 | $ 1,934,000 | $ 96,700 | $ 87,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 19 | $ 1,399,000 | $ 73,631 | $ 51,000 |
| Duluth, MN-WI | 19 | $ 1,405,000 | $ 73,947 | $ 70,000 |
| Eau Claire, WI | 19 | $ 999,000 | $ 52,578 | $ 49,000 |
| Modesto, CA | 19 | $ 2,027,000 | $ 106,684 | $ 107,000 |
| Reading, PA | 19 | $ 1,376,000 | $ 72,421 | $ 72,000 |
| Flint, MI | 18 | $ 724,000 | $ 40,222 | $ 59,000 |
| Sheboygan, WI | 18 | $ 997,000 | $ 55,388 | $ 58,000 |
| Winchester, VA-WV | 18 | $ 2,538,000 | $ 141,000 | $ 61,000 |
| Ann Arbor, MI | 17 | $ 1,841,000 | $ 108,294 | $ 129,000 |
| Lexington-Fayette, KY | 17 | $ 538,000 | $ 31,647 | $ 63,000 |
| Merced, CA | 17 | $ 1,663,000 | $ 97,823 | $ 85,000 |
| Mount Vernon-Anacortes, WA | 17 | $ 2,455,000 | $ 144,411 | $ 51,000 |
| Winston-Salem, NC | 17 | $ 456,000 | $ 26,823 | $ 66,000 |
| Edison, NJ | 16 | $ 1,890,000 | $ 118,125 | $ 85,000 |
| Hagerstown-Martinsburg, MD-WV | 16 | $ 1,217,000 | $ 76,062 | $ 108,000 |
| Lebanon, PA | 16 | $ 1,475,000 | $ 92,187 | $ 41,000 |
| Longview, WA | 16 | $ 1,177,000 | $ 73,562 | $ 83,000 |
| South Bend-Mishawaka, IN-MI | 16 | $ 1,132,000 | $ 70,750 | $ 55,000 |
| Cedar Rapids, IA | 15 | $ 734,000 | $ 48,933 | $ 56,000 |
| Hanford-Corcoran, CA | 15 | $ 1,526,000 | $ 101,733 | $ 79,000 |
| Monroe, MI | 15 | $ 558,000 | $ 37,200 | $ 63,000 |
| Prescott, AZ | 15 | $ 1,306,000 | $ 87,066 | $ 95,000 |
| Rochester, MN | 15 | $ 443,000 | $ 29,533 | $ 75,000 |
| Santa Fe, NM | 15 | $ 1,867,000 | $ 124,466 | $ 83,000 |
| Greenville, SC | 14 | $ 534,000 | $ 38,142 | $ 67,000 |
| Lancaster, PA | 14 | $ 857,000 | $ 61,214 | $ 79,000 |
| Lansing-East Lansing, MI | 14 | $ 490,000 | $ 35,000 | $ 77,000 |
| Panama City-Lynn Haven, FL | 14 | $ 1,825,000 | $ 130,357 | $ 42,000 |
| Durham, NC | 13 | $ 1,208,000 | $ 92,923 | $ 107,000 |
| Fayetteville, NC | 13 | $ 278,000 | $ 21,384 | $ 78,000 |
| La Crosse, WI-MN | 13 | $ 440,000 | $ 33,846 | $ 68,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 774,000 | $ 59,538 | $ 97,000 |
| Redding, CA | 13 | $ 654,000 | $ 50,307 | $ 82,000 |
| Savannah, GA | 13 | $ 949,000 | $ 73,000 | $ 79,000 |
| Vallejo-Fairfield, CA | 13 | $ 1,903,000 | $ 146,384 | $ 91,000 |
| Asheville, NC | 12 | $ 450,000 | $ 37,500 | $ 63,000 |
| Baton Rouge, LA | 12 | $ 951,000 | $ 79,250 | $ 96,000 |
| Columbus, GA-AL | 12 | $ 1,060,000 | $ 88,333 | $ 66,000 |
| Las Cruces, NM | 12 | $ 1,142,000 | $ 95,166 | $ 100,000 |
| Peoria, IL | 12 | $ 639,000 | $ 53,250 | $ 61,000 |
| Scranton--Wilkes-Barre, PA | 12 | $ 683,000 | $ 56,916 | $ 50,000 |
| Springfield, OH | 12 | $ 297,000 | $ 24,750 | $ 58,000 |
| Albany-Schenectady-Troy, NY | 11 | $ 547,000 | $ 49,727 | $ 94,000 |
| Salinas, CA | 11 | $ 1,090,000 | $ 99,090 | $ 93,000 |
| Yakima, WA | 11 | $ 569,000 | $ 51,727 | $ 64,000 |
| Bloomington-Normal, IL | 10 | $ 288,000 | $ 28,800 | $ 69,000 |
| Dover, DE | 10 | $ 765,000 | $ 76,500 | $ 99,000 |
| Fond Du Lac, WI | 10 | $ 615,000 | $ 61,500 | $ 60,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 847,000 | $ 84,700 | $ 109,000 |
| Reno-Sparks, NV | 10 | $ 500,000 | $ 50,000 | $ 93,000 |
| San Francisco-San Mateo-Redwood City, CA | 10 | $ 3,298,000 | $ 329,800 | $ 226,000 |
| Waterloo-Cedar Falls, IA | 10 | $ 657,000 | $ 65,700 | $ 55,000 |
| Wilmington, DE-MD-NJ | 10 | $ 934,000 | $ 93,400 | $ 96,000 |
| Flagstaff, AZ | 9 | $ 898,000 | $ 99,777 | $ 81,000 |
| Holland-Grand Haven, MI | 9 | $ 234,000 | $ 26,000 | $ 56,000 |
| Houston-Baytown-Sugar Land, TX | 9 | $ 615,000 | $ 68,333 | $ 70,000 |
| Anderson, IN | 8 | $ 267,000 | $ 33,375 | $ 61,000 |
| Charlottesville, VA | 8 | $ 824,000 | $ 103,000 | $ 69,000 |
| Dubuque, IA | 8 | $ 503,000 | $ 62,875 | $ 62,000 |
| Fort Wayne, IN | 8 | $ 210,000 | $ 26,250 | $ 80,000 |
| Lincoln, NE | 8 | $ 591,000 | $ 73,875 | $ 102,000 |
| Mansfield, OH | 8 | $ 213,000 | $ 26,625 | $ 59,000 |
| Ocean City, NJ | 8 | $ 1,932,000 | $ 241,500 | $ 90,000 |
| Warner Robins, GA | 8 | $ 411,000 | $ 51,375 | $ 108,000 |
| Wilmington, NC | 8 | $ 855,000 | $ 106,875 | $ 133,000 |
| Yuba City, CA | 8 | $ 716,000 | $ 89,500 | $ 64,000 |
| Ames, IA | 7 | $ 588,000 | $ 84,000 | $ 56,000 |
| Burlington, NC | 7 | $ 177,000 | $ 25,285 | $ 64,000 |
| Burlington-South Burlington, VT | 7 | $ 723,000 | $ 103,285 | $ 62,000 |
| El Paso, TX | 7 | $ 399,000 | $ 57,000 | $ 142,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 316,000 | $ 45,142 | $ 62,000 |
| Idaho Falls, ID | 7 | $ 636,000 | $ 90,857 | $ 95,000 |
| Kalamazoo-Portage, MI | 7 | $ 469,000 | $ 67,000 | $ 52,000 |
| Salisbury, MD | 7 | $ 319,000 | $ 45,571 | $ 72,000 |
| Springfield, MO | 7 | $ 369,000 | $ 52,714 | $ 107,000 |
| St. George, UT | 7 | $ 484,000 | $ 69,142 | $ 89,000 |
| State College, PA | 7 | $ 732,000 | $ 104,571 | $ 54,000 |
| Williamsport, PA | 7 | $ 586,000 | $ 83,714 | $ 40,000 |
| Yuma, AZ | 7 | $ 292,000 | $ 41,714 | $ 66,000 |
| Buffalo-Niagara Falls, NY | 6 | $ 196,000 | $ 32,666 | $ 81,000 |
| Champaign-Urbana, IL | 6 | $ 312,000 | $ 52,000 | $ 84,000 |
| Columbia, MO | 6 | $ 505,000 | $ 84,166 | $ 87,000 |
| Columbus, IN | 6 | $ 443,000 | $ 73,833 | $ 67,000 |
| Rochester, NY | 6 | $ 125,000 | $ 20,833 | $ 56,000 |
| Bowling Green, KY | 5 | $ 469,000 | $ 93,800 | $ 53,000 |
| Chattanooga, TN-GA | 5 | $ 164,000 | $ 32,800 | $ 54,000 |
| Chico, CA | 5 | $ 407,000 | $ 81,400 | $ 73,000 |
| Clarksville, TN-KY | 5 | $ 163,000 | $ 32,600 | $ 126,000 |
| Iowa City, IA | 5 | $ 761,000 | $ 152,200 | $ 59,000 |
| Johnson City, TN | 5 | $ 244,000 | $ 48,800 | $ 99,000 |
| Kokomo, IN | 5 | $ 319,000 | $ 63,800 | $ 45,000 |
| Lewiston, ID-WA | 5 | $ 333,000 | $ 66,600 | $ 49,000 |
| Logan, UT-ID | 5 | $ 330,000 | $ 66,000 | $ 56,000 |
| Pocatello, ID | 5 | $ 338,000 | $ 67,600 | $ 68,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,983,000 | $ 396,600 | $ 88,000 |
| Syracuse, NY | 5 | $ 119,000 | $ 23,800 | $ 86,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 448,000 | $ 89,600 | $ 81,000 |
| Wausau, WI | 5 | $ 259,000 | $ 51,800 | $ 48,000 |
| Battle Creek, MI | 4 | $ 129,000 | $ 32,250 | $ 144,000 |
| Joplin, MO | 4 | $ 88,000 | $ 22,000 | $ 46,000 |
| Knoxville, TN | 4 | $ 170,000 | $ 42,500 | $ 92,000 |
| McAllen-Edinburg-Pharr, TX | 4 | $ 350,000 | $ 87,500 | $ 68,000 |
| Missoula, MT | 4 | $ 476,000 | $ 119,000 | $ 49,000 |
| Pittsfield, MA | 4 | $ 338,000 | $ 84,500 | $ 126,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 153,000 | $ 38,250 | $ 55,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,083,000 | $ 270,750 | $ 99,000 |
| Trenton-Ewing, NJ | 4 | $ 331,000 | $ 82,750 | $ 105,000 |
| Albany, GA | 3 | $ 168,000 | $ 56,000 | $ 42,000 |
| Anderson, SC | 3 | $ 436,000 | $ 145,333 | $ 108,000 |
| Billings, MT | 3 | $ 249,000 | $ 83,000 | $ 62,000 |
| Brownsville-Harlingen, TX | 3 | $ 133,000 | $ 44,333 | $ 34,000 |
| El Centro, CA | 3 | $ 220,000 | $ 73,333 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 284,000 | $ 94,666 | $ 53,000 |
| Gainesville, FL | 3 | $ 208,000 | $ 69,333 | $ 233,000 |
| Greenville, NC | 3 | $ 39,000 | $ 13,000 | $ 86,000 |
| Gulfport-Biloxi, MS | 3 | $ 292,000 | $ 97,333 | $ 136,000 |
| Kankakee-Bradley, IL | 3 | $ 367,000 | $ 122,333 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 134,000 | $ 44,666 | $ 58,000 |
| Madera, CA | 3 | $ 412,000 | $ 137,333 | $ 55,000 |
| Muskegon-Norton Shores, MI | 3 | $ 59,000 | $ 19,666 | $ 82,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 777,000 | $ 259,000 | $ 166,000 |
| Niles-Benton Harbor, MI | 3 | $ 113,000 | $ 37,666 | $ 104,000 |
| San Antonio, TX | 3 | $ 342,000 | $ 114,000 | $ 151,000 |
| Sandusky, OH | 3 | $ 76,000 | $ 25,333 | $ 49,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 659,000 | $ 219,666 | $ 103,000 |
| Sioux City, IA-NE-SD | 3 | $ 130,000 | $ 43,333 | $ 96,000 |
| Topeka, KS | 3 | $ 124,000 | $ 41,333 | $ 47,000 |
| Bay City, MI | 2 | $ 31,000 | $ 15,500 | $ 46,000 |
| Birmingham-Hoover, AL | 2 | $ 239,000 | $ 119,500 | $ 61,000 |
| Carson City, NV | 2 | $ 197,000 | $ 98,500 | $ 28,000 |
| Casper, WY | 2 | $ 131,000 | $ 65,500 | $ 32,000 |
| College Station-Bryan, TX | 2 | $ 126,000 | $ 63,000 | $ 62,000 |
| Dalton, GA | 2 | $ 58,000 | $ 29,000 | $ 72,000 |
| Danville, IL | 2 | $ 150,000 | $ 75,000 | $ 51,000 |
| Elizabethtown, KY | 2 | $ 47,000 | $ 23,500 | $ 62,000 |
| Erie, PA | 2 | $ 295,000 | $ 147,500 | $ 73,000 |
| Fargo, ND-MN | 2 | $ 133,000 | $ 66,500 | $ 48,000 |
| Farmington, NM | 2 | $ 55,000 | $ 27,500 | $ 52,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 61,000 | $ 30,500 | $ 139,000 |
| Jackson, MI | 2 | $ 136,000 | $ 68,000 | $ 46,000 |
| Jackson, MS | 2 | $ 126,000 | $ 63,000 | $ 84,000 |
| Jackson, TN | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| Johnstown, PA | 2 | $ 109,000 | $ 54,500 | $ 95,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| Lafayette, IN | 2 | $ 70,000 | $ 35,000 | $ 67,000 |
| Lewiston-Auburn, ME | 2 | $ 162,000 | $ 81,000 | $ 58,000 |
| Lima, OH | 2 | $ 122,000 | $ 61,000 | $ 63,000 |
| Little Rock-North Little Rock, AR | 2 | $ 230,000 | $ 115,000 | $ 70,000 |
| Longview, TX | 2 | $ 132,000 | $ 66,000 | $ 49,000 |
| Michigan City-La Porte, IN | 2 | $ 185,000 | $ 92,500 | $ 75,000 |
| Monroe, LA | 2 | $ 104,000 | $ 52,000 | $ 102,000 |
| Napa, CA | 2 | $ 155,000 | $ 77,500 | $ 122,000 |
| Rapid City, SD | 2 | $ 121,000 | $ 60,500 | $ 222,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 173,000 | $ 86,500 | $ 103,000 |
| Sherman-Denison, TX | 2 | $ 251,000 | $ 125,500 | $ 140,000 |
| Spartanburg, SC | 2 | $ 113,000 | $ 56,500 | $ 71,000 |
| Waco, TX | 2 | $ 110,000 | $ 55,000 | $ 179,000 |
| Wenatchee, WA | 2 | $ 210,000 | $ 105,000 | $ 77,000 |
| Wichita, KS | 2 | $ 54,000 | $ 27,000 | $ 87,000 |
| Bangor, ME | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Binghamton, NY | 1 | $ 5,000 | $ 5,000 | $ 68,000 |
| Brunswick, GA | 1 | $ 244,000 | $ 244,000 | $ 90,000 |
| Cheyenne, WY | 1 | $ 158,000 | $ 158,000 | $ 461,000 |
| Decatur, IL | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Florence, SC | 1 | $ 126,000 | $ 126,000 | $ 138,000 |
| Fort Smith, AR-OK | 1 | $ 12,000 | $ 12,000 | $ 27,000 |
| Grand Forks, ND-MN | 1 | $ 68,000 | $ 68,000 | $ 11,000 |
| Harrisonburg, VA | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Hot Springs, AR | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Huntsville, AL | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Jacksonville, NC | 1 | $ 28,000 | $ 28,000 | $ 59,000 |
| Lawton, OK | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Lynchburg, VA | 1 | $ 77,000 | $ 77,000 | $ 25,000 |
| Muncie, IN | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Pascagoula, MS | 1 | $ 81,000 | $ 81,000 | $ 72,000 |
| Roanoke, VA | 1 | $ 317,000 | $ 317,000 | $ 171,000 |
| Rocky Mount, NC | 1 | $ 26,000 | $ 26,000 | $ 51,000 |
| Rome, GA | 1 | $ 23,000 | $ 23,000 | $ 41,000 |
| Springfield, IL | 1 | $ 250,000 | $ 250,000 | $ 199,000 |
| Sumter, SC | 1 | $ 143,000 | $ 143,000 | $ 41,000 |
| Terre Haute, IN | 1 | $ 19,000 | $ 19,000 | $ 55,000 |
| Utica-Rome, NY | 1 | $ 60,000 | $ 60,000 | $ 89,000 |
| Valdosta, GA | 1 | $ 36,000 | $ 36,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank, FSB in 2005
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 | 17,927 | $2,386,601,000 | $115,020 | $1,000,000 | $85,918 | $4,048,000 |
| Refinancing | 11,907 | $1,653,067,000 | $114,125 | $2,000,000 | $76,500 | $1,020,000 |
| Home Improvement | 3,566 | $172,315,000 | $45,947 | $300,000 | $80,210 | $1,000,000 |
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 | 25,776 | $3,223,967,000 | $110,530 | $2,000,000 | $85,081 | $4,048,000 |
| Hispanic | 2,719 | $356,047,000 | $104,108 | $960,000 | $69,027 | $1,170,000 |
| Black or African American | 2,168 | $243,564,000 | $103,405 | $1,000,000 | $78,621 | $785,000 |
| Not Provided | 1,402 | $138,936,000 | $96,731 | $800,000 | $79,341 | $654,000 |
| Asian | 1,184 | $229,378,000 | $139,333 | $940,000 | $94,638 | $445,000 |
| American Indian or Alaskan Native | 78 | $10,038,000 | $101,695 | $950,000 | $94,826 | $1,020,000 |
| Native Hawaiian or Other Pacific Islander | 73 | $10,053,000 | $108,894 | $999,000 | $64,368 | $376,000 |
| 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) | 31,805 | $3,976,128,000 | $106,081 | $2,000,000 | $83,224 | $4,048,000 |
| FHA-insured (Federal Housing Administration) | 1,168 | $163,093,000 | $148,833 | $327,000 | $53,625 | $275,000 |
| VA-guaranteed (Veterans Administration) | 410 | $70,573,000 | $182,909 | $360,000 | $59,409 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,189,000 | $127,333 | $167,000 | $35,000 | $52,000 |
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 | 33,400 | $4,211,983,000 | $107,489 | $2,000,000 | $81,979 | $4,048,000 |
| 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 2005 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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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