Guaranty Bank, FSB Mortgage Lending & HMDA Data, 2009
In 2009, Guaranty Bank, FSB of Brown Deer, WI reported 12,586 mortgage applications totaling $2.5 billion, down 23% from 2008. The average application was for $199,727, and applicants reported an average income of $85,117. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,011), Charleston-North Charleston-Summerville, SC (1,007) and Philadelphia, PA (743) (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 | 12,586 |
| Total Mortgage Loan Application Amount | $2,513,773,000 |
| Average Mortgage Loan Application Amount | $199,727 |
| Highest Mortgage Loan Application Amount | $1,180,000 |
| Average Applicant Income | $85,117 |
| Highest Applicant Income | $1,558,000 |
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Act (HMDA) records Guaranty Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,011 | $ 204,244,000 | $ 202,021 | $ 96,000 |
| Charleston-North Charleston-Summerville, SC | 1,007 | $ 183,707,000 | $ 182,429 | $ 74,000 |
| Philadelphia, PA | 743 | $ 178,569,000 | $ 240,335 | $ 103,000 |
| Milwaukee-Waukesha-West Allis, WI | 689 | $ 134,486,000 | $ 195,190 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 651 | $ 155,358,000 | $ 238,645 | $ 97,000 |
| Dallas-Plano-Irving, TX | 581 | $ 100,873,000 | $ 173,619 | $ 90,000 |
| Davenport-Moline-Rock Island, IA-IL | 533 | $ 75,019,000 | $ 140,748 | $ 62,285 |
| Phoenix-Mesa-Scottsdale, AZ | 442 | $ 88,543,000 | $ 200,323 | $ 74,000 |
| Madison, WI | 387 | $ 73,793,000 | $ 190,679 | $ 79,000 |
| Las Vegas-Paradise, NV | 372 | $ 54,421,000 | $ 146,293 | $ 69,000 |
| Portland-Vancouver-Beaverton, OR-WA | 304 | $ 76,441,000 | $ 251,450 | $ 95,546 |
| Lakeland-Winter Haven, FL | 221 | $ 36,423,000 | $ 164,809 | $ 51,000 |
| Providence-New Bedford-Fall River, RI-MA | 195 | $ 48,298,000 | $ 247,682 | $ 105,030 |
| Spokane, WA | 153 | $ 29,694,000 | $ 194,078 | $ 80,000 |
| Denver-Aurora-Broomfield, CO | 141 | $ 33,569,000 | $ 238,078 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 128 | $ 38,038,000 | $ 297,171 | $ 107,000 |
| Eugene-Springfield, OR | 121 | $ 27,365,000 | $ 226,157 | $ 80,000 |
| Port St. Lucie, FL | 115 | $ 13,216,000 | $ 114,921 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 114 | $ 14,382,000 | $ 126,157 | $ 54,000 |
| Seattle-Bellevue-Everett, WA | 106 | $ 30,176,000 | $ 284,679 | $ 94,000 |
| Fort Worth-Arlington, TX | 100 | $ 16,371,000 | $ 163,710 | $ 83,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 100 | $ 19,242,000 | $ 192,420 | $ 76,000 |
| Tampa-St. Petersburg-Clearwater, FL | 85 | $ 16,668,000 | $ 196,094 | $ 73,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 81 | $ 26,004,000 | $ 321,037 | $ 129,283 |
| Orlando-Kissimmee, FL | 74 | $ 13,138,000 | $ 177,540 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 72 | $ 24,023,000 | $ 333,652 | $ 122,000 |
| Boston-Quincy, MA | 71 | $ 20,175,000 | $ 284,154 | $ 108,000 |
| Rockford, IL | 70 | $ 9,483,000 | $ 135,471 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 68 | $ 17,136,000 | $ 252,000 | $ 117,529 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 68 | $ 14,967,000 | $ 220,102 | $ 98,867 |
| Gainesville, GA | 66 | $ 12,337,000 | $ 186,924 | $ 75,000 |
| Rockingham County-Strafford County, NH | 61 | $ 12,929,000 | $ 211,950 | $ 98,000 |
| Santa Ana-Anaheim-Irvine, CA | 59 | $ 20,433,000 | $ 346,322 | $ 118,000 |
| Cambridge-Newton-Framingham, MA | 57 | $ 15,887,000 | $ 278,719 | $ 116,000 |
| Salt Lake City, UT | 56 | $ 13,187,000 | $ 235,482 | $ 54,000 |
| Dubuque, IA | 55 | $ 5,786,000 | $ 105,200 | $ 37,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 54 | $ 14,029,000 | $ 259,796 | $ 101,000 |
| Houston-Sugar Land-Baytown, TX | 50 | $ 8,676,000 | $ 173,520 | $ 81,000 |
| Manchester-Nashua, NH | 50 | $ 10,078,000 | $ 201,560 | $ 91,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 10,502,000 | $ 223,446 | $ 98,000 |
| Columbus, GA-AL | 46 | $ 7,885,000 | $ 171,413 | $ 60,847 |
| Worcester, MA | 46 | $ 8,588,000 | $ 186,695 | $ 73,000 |
| Ogden-Clearfield, UT | 40 | $ 8,245,000 | $ 206,125 | $ 54,000 |
| Tyler, TX | 40 | $ 5,904,000 | $ 147,600 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 39 | $ 8,209,000 | $ 210,487 | $ 85,000 |
| Tacoma, WA | 38 | $ 8,736,000 | $ 229,894 | $ 74,000 |
| Peabody, MA | 37 | $ 9,858,000 | $ 266,432 | $ 117,000 |
| Owensboro, KY | 36 | $ 4,379,000 | $ 121,638 | $ 44,000 |
| Albuquerque, NM | 35 | $ 8,090,000 | $ 231,142 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 35 | $ 5,280,000 | $ 150,857 | $ 58,000 |
| Racine, WI | 35 | $ 6,753,000 | $ 192,942 | $ 68,000 |
| Memphis, TN-MS-AR | 33 | $ 7,744,000 | $ 234,666 | $ 106,515 |
| Charlotte-Gastonia-Concord, NC-SC | 32 | $ 7,585,000 | $ 237,031 | $ 88,781 |
| Evansville, IN-KY | 32 | $ 4,957,000 | $ 154,906 | $ 53,906 |
| Hartford-West Hartford-East Hartford, CT | 32 | $ 8,151,000 | $ 254,718 | $ 83,000 |
| Baltimore-Towson, MD | 30 | $ 7,931,000 | $ 264,366 | $ 88,000 |
| St. Louis, MO-IL | 30 | $ 6,295,000 | $ 209,833 | $ 105,600 |
| Kansas City, MO-KS | 29 | $ 5,620,000 | $ 193,793 | $ 89,586 |
| Ocala, FL | 29 | $ 3,420,000 | $ 117,931 | $ 51,000 |
| Colorado Springs, CO | 28 | $ 6,484,000 | $ 231,571 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 27 | $ 5,076,000 | $ 188,000 | $ 76,777 |
| Columbia, SC | 24 | $ 4,732,000 | $ 197,166 | $ 79,000 |
| Pensacola-Ferry Pass-Brent, FL | 24 | $ 3,907,000 | $ 162,791 | $ 56,000 |
| Iowa City, IA | 23 | $ 4,294,000 | $ 186,695 | $ 88,000 |
| Richmond, VA | 22 | $ 4,398,000 | $ 199,909 | $ 92,000 |
| Coeur D'Alene, ID | 21 | $ 5,671,000 | $ 270,047 | $ 97,000 |
| Kennewick-Pasco-Richland, WA | 20 | $ 4,227,000 | $ 211,350 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 7,286,000 | $ 364,300 | $ 133,000 |
| Raleigh-Cary, NC | 20 | $ 4,371,000 | $ 218,550 | $ 86,000 |
| Des Moines-West Des Moines, IA | 19 | $ 3,603,000 | $ 189,631 | $ 68,000 |
| Indianapolis-Carmel, IN | 19 | $ 3,735,000 | $ 196,578 | $ 123,000 |
| Tulsa, OK | 18 | $ 3,524,000 | $ 195,777 | $ 99,000 |
| Bend, OR | 17 | $ 4,488,000 | $ 264,000 | $ 112,000 |
| Austin-Round Rock, TX | 16 | $ 3,430,000 | $ 214,375 | $ 74,000 |
| Bethesda-Frederick-Rockville, MD | 16 | $ 4,979,000 | $ 311,187 | $ 128,000 |
| Louisville-Jefferson County, KY-IN | 16 | $ 4,253,000 | $ 265,812 | $ 122,000 |
| Medford, OR | 16 | $ 3,833,000 | $ 239,562 | $ 89,000 |
| Portland-South Portland-Biddeford, ME | 15 | $ 3,643,000 | $ 242,866 | $ 175,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 15 | $ 4,498,000 | $ 299,866 | $ 124,000 |
| Columbus, OH | 14 | $ 3,005,000 | $ 214,642 | $ 122,000 |
| Olympia, WA | 14 | $ 3,707,000 | $ 264,785 | $ 85,000 |
| Salem, OR | 14 | $ 3,306,000 | $ 236,142 | $ 93,000 |
| Wenatchee-East Wenatchee, WA | 14 | $ 3,417,000 | $ 244,071 | $ 88,000 |
| Athens-Clarke County, GA | 13 | $ 2,332,000 | $ 179,384 | $ 69,000 |
| New Haven-Milford, CT | 13 | $ 3,270,000 | $ 251,538 | $ 95,000 |
| Provo-Orem, UT | 13 | $ 2,622,000 | $ 201,692 | $ 54,000 |
| San Antonio, TX | 13 | $ 2,673,000 | $ 205,615 | $ 109,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 3,934,000 | $ 302,615 | $ 111,000 |
| Barnstable Town, MA | 12 | $ 3,584,000 | $ 298,666 | $ 221,000 |
| Fort Collins-Loveland, CO | 12 | $ 2,905,000 | $ 242,083 | $ 71,000 |
| Janesville, WI | 12 | $ 1,826,000 | $ 152,166 | $ 55,000 |
| Ocean City, NJ | 12 | $ 3,184,000 | $ 265,333 | $ 156,000 |
| Wilmington, DE-MD-NJ | 12 | $ 2,960,000 | $ 246,666 | $ 94,833 |
| Bremerton-Silverdale, WA | 11 | $ 2,590,000 | $ 235,454 | $ 71,000 |
| Greeley, CO | 11 | $ 1,811,000 | $ 164,636 | $ 56,000 |
| Mobile, AL | 11 | $ 1,763,000 | $ 160,272 | $ 62,000 |
| Oklahoma City, OK | 11 | $ 1,797,000 | $ 163,363 | $ 87,000 |
| Pittsburgh, PA | 11 | $ 1,963,000 | $ 178,454 | $ 85,000 |
| Tucson, AZ | 11 | $ 2,616,000 | $ 237,818 | $ 135,000 |
| Boulder, CO | 10 | $ 2,806,000 | $ 280,600 | $ 118,000 |
| Camden, NJ | 10 | $ 2,291,000 | $ 229,100 | $ 93,000 |
| El Centro, CA | 10 | $ 1,427,000 | $ 142,700 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 3,817,000 | $ 381,700 | $ 150,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 1,555,000 | $ 155,500 | $ 96,600 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,669,000 | $ 185,444 | $ 93,000 |
| Appleton, WI | 9 | $ 1,353,000 | $ 150,333 | $ 68,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 2,018,000 | $ 224,222 | $ 98,000 |
| Cedar Rapids, IA | 9 | $ 1,134,000 | $ 126,000 | $ 48,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 2,378,000 | $ 264,222 | $ 158,000 |
| Jacksonville, FL | 9 | $ 1,466,000 | $ 162,888 | $ 92,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 4,931,000 | $ 547,888 | $ 217,000 |
| Sheboygan, WI | 9 | $ 1,635,000 | $ 181,666 | $ 136,000 |
| Wichita, KS | 9 | $ 2,013,000 | $ 223,666 | $ 97,000 |
| Birmingham-Hoover, AL | 8 | $ 1,514,000 | $ 189,250 | $ 79,000 |
| Flagstaff, AZ | 8 | $ 1,523,000 | $ 190,375 | $ 72,000 |
| Norwich-New London, CT | 8 | $ 1,709,000 | $ 213,625 | $ 133,000 |
| Reading, PA | 8 | $ 1,861,000 | $ 232,625 | $ 88,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 2,609,000 | $ 326,125 | $ 147,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 625,000 | $ 89,285 | $ 103,000 |
| Chattanooga, TN-GA | 7 | $ 1,391,000 | $ 198,714 | $ 80,857 |
| Dayton, OH | 7 | $ 1,163,000 | $ 166,142 | $ 76,000 |
| Jackson, TN | 7 | $ 1,106,000 | $ 158,000 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,325,000 | $ 189,285 | $ 97,000 |
| Prescott, AZ | 7 | $ 1,295,000 | $ 185,000 | $ 116,000 |
| Sebastian-Vero Beach, FL | 7 | $ 743,000 | $ 106,142 | $ 51,000 |
| Sioux Falls, SD | 7 | $ 1,348,000 | $ 192,571 | $ 69,000 |
| Bakersfield, CA | 6 | $ 937,000 | $ 156,166 | $ 58,000 |
| Boise City-Nampa, ID | 6 | $ 1,063,000 | $ 177,166 | $ 54,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,106,000 | $ 184,333 | $ 91,000 |
| Green Bay, WI | 6 | $ 1,184,000 | $ 197,333 | $ 96,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,179,000 | $ 196,500 | $ 80,833 |
| Lake Havasu City-Kingman, AZ | 6 | $ 907,000 | $ 151,166 | $ 73,000 |
| Savannah, GA | 6 | $ 1,094,000 | $ 182,333 | $ 33,000 |
| Toledo, OH | 6 | $ 904,000 | $ 150,666 | $ 75,000 |
| Trenton-Ewing, NJ | 6 | $ 1,531,000 | $ 255,166 | $ 164,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,094,000 | $ 182,333 | $ 81,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 667,000 | $ 111,166 | $ 58,000 |
| Ann Arbor, MI | 5 | $ 1,234,000 | $ 246,800 | $ 134,000 |
| Bowling Green, KY | 5 | $ 1,007,000 | $ 201,400 | $ 79,000 |
| Edison-New Brunswick, NJ | 5 | $ 1,557,000 | $ 311,400 | $ 159,000 |
| Fond Du Lac, WI | 5 | $ 875,000 | $ 175,000 | $ 151,000 |
| Greensboro-High Point, NC | 5 | $ 1,028,000 | $ 205,600 | $ 73,000 |
| Greenville-Mauldin-Easley, SC | 5 | $ 1,111,000 | $ 222,200 | $ 102,000 |
| Huntsville, AL | 5 | $ 1,039,000 | $ 207,800 | $ 61,000 |
| Longview, WA | 5 | $ 1,081,000 | $ 216,200 | $ 91,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,442,000 | $ 288,400 | $ 97,000 |
| Peoria, IL | 5 | $ 750,000 | $ 150,000 | $ 99,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 812,000 | $ 162,400 | $ 100,000 |
| Yakima, WA | 5 | $ 1,110,000 | $ 222,000 | $ 78,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,291,000 | $ 322,750 | $ 217,000 |
| Auburn-Opelika, AL | 4 | $ 562,000 | $ 140,500 | $ 60,000 |
| Bradenton-Sarasota-Venice, FL | 4 | $ 738,000 | $ 184,500 | $ 55,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,338,000 | $ 334,500 | $ 183,000 |
| Casper, WY | 4 | $ 625,000 | $ 156,250 | $ 46,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 902,000 | $ 225,500 | $ 108,000 |
| Corvallis, OR | 4 | $ 675,000 | $ 168,750 | $ 85,000 |
| El Paso, TX | 4 | $ 911,000 | $ 227,750 | $ 104,000 |
| Kalamazoo-Portage, MI | 4 | $ 775,000 | $ 193,750 | $ 80,000 |
| Las Cruces, NM | 4 | $ 764,000 | $ 191,000 | $ 66,000 |
| Modesto, CA | 4 | $ 943,000 | $ 235,750 | $ 158,000 |
| Newark-Union, NJ-PA | 4 | $ 1,171,000 | $ 292,750 | $ 120,000 |
| Roanoke, VA | 4 | $ 702,000 | $ 175,500 | $ 75,000 |
| Spartanburg, SC | 4 | $ 916,000 | $ 229,000 | $ 164,000 |
| St. George, UT | 4 | $ 635,000 | $ 158,750 | $ 43,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 687,000 | $ 171,750 | $ 57,000 |
| York-Hanover, PA | 4 | $ 1,034,000 | $ 258,500 | $ 120,000 |
| Yuma, AZ | 4 | $ 906,000 | $ 226,500 | $ 87,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 661,000 | $ 220,333 | $ 95,000 |
| Asheville, NC | 3 | $ 784,000 | $ 261,333 | $ 126,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 693,000 | $ 231,000 | $ 80,000 |
| Champaign-Urbana, IL | 3 | $ 425,000 | $ 141,666 | $ 77,000 |
| Charleston, WV | 3 | $ 485,000 | $ 161,666 | $ 25,000 |
| Corpus Christi, TX | 3 | $ 673,000 | $ 224,333 | $ 75,000 |
| Fayetteville, NC | 3 | $ 506,000 | $ 168,666 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 810,000 | $ 270,000 | $ 98,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 822,000 | $ 274,000 | $ 52,000 |
| Gainesville, FL | 3 | $ 730,000 | $ 243,333 | $ 141,000 |
| Lewiston, ID-WA | 3 | $ 737,000 | $ 245,666 | $ 108,000 |
| Lexington-Fayette, KY | 3 | $ 530,000 | $ 176,666 | $ 72,000 |
| Lincoln, NE | 3 | $ 517,000 | $ 172,333 | $ 46,000 |
| Logan, UT-ID | 3 | $ 606,000 | $ 202,000 | $ 69,000 |
| Midland, TX | 3 | $ 499,000 | $ 166,333 | $ 75,000 |
| Montgomery, AL | 3 | $ 615,000 | $ 205,000 | $ 61,000 |
| Morgantown, WV | 3 | $ 574,000 | $ 191,333 | $ 61,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 586,000 | $ 195,333 | $ 134,000 |
| Napa, CA | 3 | $ 1,231,000 | $ 410,333 | $ 224,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,524,000 | $ 508,000 | $ 217,333 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 916,000 | $ 305,333 | $ 79,000 |
| Sioux City, IA-NE-SD | 3 | $ 416,000 | $ 138,666 | $ 47,333 |
| South Bend-Mishawaka, IN-MI | 3 | $ 671,000 | $ 223,666 | $ 123,000 |
| Springfield, MA | 3 | $ 727,000 | $ 242,333 | $ 33,000 |
| Springfield, MO | 3 | $ 465,000 | $ 155,000 | $ 80,000 |
| Stockton, CA | 3 | $ 656,000 | $ 218,666 | $ 105,000 |
| Vallejo-Fairfield, CA | 3 | $ 846,000 | $ 282,000 | $ 98,000 |
| Visalia-Porterville, CA | 3 | $ 699,000 | $ 233,000 | $ 103,000 |
| Ames, IA | 2 | $ 239,000 | $ 119,500 | $ 51,000 |
| Bellingham, WA | 2 | $ 297,000 | $ 148,500 | $ 113,000 |
| Bismarck, ND | 2 | $ 355,000 | $ 177,500 | $ 77,000 |
| Bloomington-Normal, IL | 2 | $ 325,000 | $ 162,500 | $ 77,000 |
| Brownsville-Harlingen, TX | 2 | $ 257,000 | $ 128,500 | $ 101,000 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 377,000 | $ 188,500 | $ 63,000 |
| Charlottesville, VA | 2 | $ 351,000 | $ 175,500 | $ 16,000 |
| Chico, CA | 2 | $ 398,000 | $ 199,000 | $ 50,000 |
| Dothan, AL | 2 | $ 289,000 | $ 144,500 | $ 75,000 |
| Eau Claire, WI | 2 | $ 314,000 | $ 157,000 | $ 36,000 |
| Florence, SC | 2 | $ 204,000 | $ 102,000 | $ 17,000 |
| Great Falls, MT | 2 | $ 418,000 | $ 209,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 395,000 | $ 197,500 | $ 71,500 |
| Knoxville, TN | 2 | $ 278,000 | $ 139,000 | $ 60,000 |
| La Crosse, WI-MN | 2 | $ 355,000 | $ 177,500 | $ 94,000 |
| Lancaster, PA | 2 | $ 415,000 | $ 207,500 | $ 71,000 |
| Lansing-East Lansing, MI | 2 | $ 284,000 | $ 142,000 | $ 88,000 |
| Lawrence, KS | 2 | $ 439,000 | $ 219,500 | $ 105,000 |
| Lebanon, PA | 2 | $ 442,000 | $ 221,000 | $ 74,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 389,000 | $ 194,500 | $ 77,000 |
| Lubbock, TX | 2 | $ 245,000 | $ 122,500 | $ 80,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 391,000 | $ 195,500 | $ 99,000 |
| Merced, CA | 2 | $ 218,000 | $ 109,000 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 363,000 | $ 181,500 | $ 47,000 |
| Monroe, MI | 2 | $ 308,000 | $ 154,000 | $ 85,000 |
| Muncie, IN | 2 | $ 356,000 | $ 178,000 | $ 158,000 |
| Pocatello, ID | 2 | $ 315,000 | $ 157,500 | $ 31,000 |
| Pueblo, CO | 2 | $ 227,000 | $ 113,500 | $ 26,000 |
| Reno-Sparks, NV | 2 | $ 492,000 | $ 246,000 | $ 37,000 |
| Rochester, MN | 2 | $ 334,000 | $ 167,000 | $ 98,000 |
| Salinas, CA | 2 | $ 908,000 | $ 454,000 | $ 87,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 525,000 | $ 262,500 | $ 74,000 |
| Springfield, IL | 2 | $ 400,000 | $ 200,000 | $ 80,000 |
| St. Cloud, MN | 2 | $ 464,000 | $ 232,000 | $ 107,000 |
| Valdosta, GA | 2 | $ 261,000 | $ 130,500 | $ 58,000 |
| Wilmington, NC | 2 | $ 421,000 | $ 210,500 | $ 115,000 |
| Winston-Salem, NC | 2 | $ 277,000 | $ 138,500 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 398,000 | $ 199,000 | $ 121,000 |
| Akron, OH | 1 | $ 292,000 | $ 292,000 | $ 97,000 |
| Amarillo, TX | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Anderson, IN | 1 | $ 190,000 | $ 190,000 | $ 85,000 |
| Anniston-Oxford, AL | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| Bangor, ME | 1 | $ 229,000 | $ 229,000 | $ 129,000 |
| Baton Rouge, LA | 1 | $ 144,000 | $ 144,000 | $ 38,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 119,000 | $ 119,000 | $ 80,000 |
| Canton-Massillon, OH | 1 | $ 134,000 | $ 134,000 | $ 72,000 |
| Cheyenne, WY | 1 | $ 77,000 | $ 77,000 | $ 51,000 |
| Cleveland, TN | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Columbia, MO | 1 | $ 243,000 | $ 243,000 | $ 140,000 |
| Cumberland, MD-WV | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Dalton, GA | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Danville, IL | 1 | $ 146,000 | $ 146,000 | $ 65,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Dover, DE | 1 | $ 300,000 | $ 300,000 | $ 114,000 |
| Elizabethtown, KY | 1 | $ 186,000 | $ 186,000 | $ 151,000 |
| Elkhart-Goshen, IN | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Erie, PA | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| Farmington, NM | 1 | $ 178,000 | $ 178,000 | $ 55,000 |
| Fresno, CA | 1 | $ 230,000 | $ 230,000 | $ 68,000 |
| Gary, IN | 1 | $ 286,000 | $ 286,000 | $ 128,000 |
| Gulfport-Biloxi, MS | 1 | $ 110,000 | $ 110,000 | $ 70,000 |
| Harrisburg-Carlisle, PA | 1 | $ 275,000 | $ 275,000 | $ 106,000 |
| Harrisonburg, VA | 1 | $ 178,000 | $ 178,000 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 280,000 | $ 280,000 | $ 265,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 161,000 | $ 161,000 | $ 69,000 |
| Holland-Grand Haven, MI | 1 | $ 200,000 | $ 200,000 | $ 133,000 |
| Hot Springs, AR | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 160,000 | $ 160,000 | $ 108,000 |
| Jacksonville, NC | 1 | $ 347,000 | $ 347,000 | $ 86,000 |
| Johnson City, TN | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Joplin, MO | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Lafayette, LA | 1 | $ 300,000 | $ 300,000 | $ 90,000 |
| Lima, OH | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Longview, TX | 1 | $ 274,000 | $ 274,000 | $ 113,000 |
| Macon, GA | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Mansfield, OH | 1 | $ 160,000 | $ 160,000 | $ 73,000 |
| Missoula, MT | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Naples-Marco Island, FL | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Nassau-Suffolk, NY | 1 | $ 285,000 | $ 285,000 | $ 149,000 |
| Oshkosh-Neenah, WI | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Palm Coast, FL | 1 | $ 98,000 | $ 98,000 | $ 75,000 |
| Pascagoula, MS | 1 | $ 245,000 | $ 245,000 | $ 206,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 362,000 | $ 362,000 | $ 126,000 |
| Punta Gorda, FL | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
| Rochester, NY | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| Rome, GA | 1 | $ 114,000 | $ 114,000 | $ 61,000 |
| Salisbury, MD | 1 | $ 253,000 | $ 253,000 | $ 107,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 626,000 | $ 626,000 | $ 174,000 |
| Santa Fe, NM | 1 | $ 206,000 | $ 206,000 | $ 70,000 |
| Tallahassee, FL | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Waco, TX | 1 | $ 306,000 | $ 306,000 | $ 133,000 |
| Warner Robins, GA | 1 | $ 129,000 | $ 129,000 | $ 76,000 |
| Wheeling, WV-OH | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Winchester, VA-WV | 1 | $ 176,000 | $ 176,000 | $ 41,000 |
| Yuba City, CA | 1 | $ 365,000 | $ 365,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guaranty Bank, FSB in 2009
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 | 6,240 | $1,094,684,000 | $175,000 | $1,180,000 | $77,000 | $1,558,000 |
| Refinancing | 6,136 | $1,376,206,000 | $224,000 | $717,000 | $93,000 | $1,388,000 |
| Home Improvement | 210 | $42,883,000 | $204,000 | $417,000 | $96,000 | $372,000 |
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 | 10,453 | $2,124,974,000 | $203,000 | $1,180,000 | $88,000 | $1,558,000 |
| Hispanic | 740 | $116,939,000 | $158,000 | $674,000 | $59,000 | $360,000 |
| Black or African American | 563 | $90,939,000 | $161,000 | $517,000 | $59,000 | $331,000 |
| Not Provided | 431 | $95,912,000 | $222,000 | $625,000 | $86,000 | $400,000 |
| Asian | 341 | $74,382,000 | $218,000 | $620,000 | $93,000 | $842,000 |
| American Indian or Alaskan Native | 34 | $6,030,000 | $177,000 | $274,000 | $69,000 | $173,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $4,597,000 | $191,000 | $350,000 | $77,000 | $205,000 |
| 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) | 7,342 | $1,619,459,000 | $220,000 | $1,180,000 | $105,000 | $1,558,000 |
| FHA-insured (Federal Housing Administration) | 4,231 | $716,670,000 | $169,000 | $743,000 | $56,000 | $485,000 |
| VA-guaranteed (Veterans Administration) | 594 | $115,720,000 | $194,000 | $859,000 | $63,000 | $460,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 419 | $61,924,000 | $147,000 | $293,000 | $46,000 | $85,000 |
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 | 12,586 | $2,513,773,000 | $199,000 | $1,180,000 | $85,000 | $1,558,000 |
| 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 2009 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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