Guaranty Bank Mortgage Lending & HMDA Data, 2012

In 2012, Guaranty Bank of Glendale, WI reported 10,984 mortgage applications totaling $2.0 billion, up 52% from 2011. The average application was for $185,653, and applicants reported an average income of $91,242. 50% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,374), Charleston-North Charleston-Summerville, SC (977) and Dallas-Plano-Irving, TX (774) (applications in parentheses).

Mortgage Company & Address Guaranty Bank
501 W Northshore Dr. Suite 400
Glendale, WI 53217
Tel #: available with data download
Federal Regulator * available with data download
Years 2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 10,984
Total Mortgage Loan Application Amount $2,039,213,000
Average Mortgage Loan Application Amount $185,653
Highest Mortgage Loan Application Amount $2,100,000
Average Applicant Income $91,242
Highest Applicant Income $5,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 698 $ 116,427,000 $ 166,800 $ 83,000
Dallas, Texas 555 $ 124,851,000 $ 224,956 $ 128,000
Scott, Iowa 552 $ 91,259,000 $ 165,324 $ 79,000
Charleston, South Carolina 527 $ 111,037,000 $ 210,696 $ 89,000
DeKalb, Georgia 394 $ 85,968,000 $ 218,192 $ 118,000
Brevard, Florida 345 $ 62,081,000 $ 179,944 $ 86,000
Fulton, Georgia 306 $ 68,107,000 $ 222,571 $ 116,000
Dane, Wisconsin 294 $ 55,356,000 $ 188,285 $ 87,000
Cook, Illinois 289 $ 52,271,000 $ 180,868 $ 88,000
Milwaukee, Wisconsin 281 $ 44,729,000 $ 159,177 $ 91,000
New Castle, Delaware 250 $ 56,987,000 $ 227,948 $ 98,000
Gwinnett, Georgia 243 $ 38,465,000 $ 158,292 $ 82,000
Dorchester, South Carolina 229 $ 34,991,000 $ 152,799 $ 66,000
Berkeley, South Carolina 221 $ 35,516,000 $ 160,705 $ 66,000
Polk, Florida 215 $ 31,756,000 $ 147,702 $ 55,000
Chittenden, Vermont 207 $ 42,333,000 $ 204,507 $ 77,000
Rock Island, Illinois 174 $ 20,181,000 $ 115,982 $ 67,000
Bucks, Pennsylvania 144 $ 33,595,000 $ 233,298 $ 98,000
Montgomery, Pennsylvania 130 $ 34,980,000 $ 269,076 $ 157,000
DuPage, Illinois 123 $ 22,057,000 $ 179,325 $ 80,000
Denton, Texas 115 $ 22,913,000 $ 199,243 $ 89,000
Philadelphia, Pennsylvania 114 $ 19,950,000 $ 175,000 $ 76,000
Tarrant, Texas 112 $ 19,641,000 $ 175,366 $ 113,000
Tulsa, Oklahoma 110 $ 17,459,000 $ 158,718 $ 85,000
Oakland, Michigan 106 $ 17,336,000 $ 163,547 $ 131,000
Broward, Florida 104 $ 20,160,000 $ 193,846 $ 89,000
Delaware, Pennsylvania 101 $ 21,501,000 $ 212,881 $ 116,000
Cobb, Georgia 100 $ 17,709,000 $ 177,090 $ 98,000
Maricopa, Arizona 97 $ 19,570,000 $ 201,752 $ 99,000
Forsyth, Georgia 91 $ 20,403,000 $ 224,208 $ 96,000
Waukesha, Wisconsin 89 $ 17,911,000 $ 201,247 $ 94,000
Muscatine, Iowa 85 $ 10,678,000 $ 125,623 $ 61,000
Chester, Pennsylvania 80 $ 23,394,000 $ 292,425 $ 134,000
Macomb, Michigan 77 $ 10,846,000 $ 140,857 $ 78,000
Kane, Illinois 75 $ 13,167,000 $ 175,560 $ 83,000
Kent, Delaware 74 $ 13,225,000 $ 178,716 $ 70,000
St. Lucie, Florida 73 $ 6,689,000 $ 91,630 $ 40,000
Clinton, Iowa 71 $ 7,111,000 $ 100,154 $ 55,000
Collin, Texas 66 $ 13,252,000 $ 200,787 $ 108,000
Volusia, Florida 65 $ 10,185,000 $ 156,692 $ 64,000
Davidson, Tennessee 65 $ 13,463,000 $ 207,123 $ 103,000
Hall, Georgia 62 $ 10,621,000 $ 171,306 $ 85,000
Williamson, Tennessee 57 $ 15,608,000 $ 273,824 $ 108,000
Ozaukee, Wisconsin 56 $ 12,513,000 $ 223,446 $ 97,000
Troup, Georgia 48 $ 6,317,000 $ 131,604 $ 57,000
Winnebago, Illinois 46 $ 4,039,000 $ 87,804 $ 42,000
Rock, Wisconsin 45 $ 5,165,000 $ 114,777 $ 52,000
Washington, Wisconsin 45 $ 7,604,000 $ 168,977 $ 80,000
Dubuque, Iowa 44 $ 6,025,000 $ 136,931 $ 70,000
Cherokee, Georgia 43 $ 7,447,000 $ 173,186 $ 92,000
Lake, Illinois 42 $ 7,476,000 $ 178,000 $ 101,000
Grayson, Texas 42 $ 5,466,000 $ 130,142 $ 66,000
Hillsborough, Florida 40 $ 7,748,000 $ 193,700 $ 73,000
Palm Beach, Florida 38 $ 7,042,000 $ 185,315 $ 110,000
Muscogee, Georgia 38 $ 5,366,000 $ 141,210 $ 53,000
McHenry, Illinois 38 $ 6,139,000 $ 161,552 $ 84,000
Fayette, Georgia 36 $ 7,462,000 $ 207,277 $ 96,000
Franklin, Vermont 36 $ 6,948,000 $ 193,000 $ 65,000
Pasco, Florida 35 $ 7,484,000 $ 213,828 $ 87,000
Arapahoe, Colorado 34 $ 10,412,000 $ 306,235 $ 281,000
Orange, Florida 31 $ 5,318,000 $ 171,548 $ 70,000
New Haven, Connecticut 30 $ 8,434,000 $ 281,133 $ 123,000
Walworth, Wisconsin 29 $ 3,942,000 $ 135,931 $ 60,000
Coweta, Georgia 27 $ 3,969,000 $ 147,000 $ 62,000
Henry, Georgia 26 $ 3,377,000 $ 129,884 $ 64,000
Lake, Florida 24 $ 4,611,000 $ 192,125 $ 66,000
Racine, Wisconsin 23 $ 3,321,000 $ 144,391 $ 61,000
Wayne, Michigan 22 $ 2,643,000 $ 120,136 $ 72,000
Travis, Texas 22 $ 4,797,000 $ 218,045 $ 101,000
Henry, Illinois 21 $ 3,313,000 $ 157,761 $ 83,000
Will, Illinois 21 $ 4,224,000 $ 201,142 $ 91,000
Okeechobee, Florida 20 $ 1,995,000 $ 99,750 $ 42,000
Harris, Georgia 19 $ 3,220,000 $ 169,473 $ 71,000
Dawson, Georgia 18 $ 3,177,000 $ 176,500 $ 88,000
Jackson, Georgia 18 $ 2,879,000 $ 159,944 $ 68,000
Jackson, Iowa 18 $ 1,955,000 $ 108,611 $ 46,000
Johnson, Iowa 18 $ 3,335,000 $ 185,277 $ 74,000
Bexar, Texas 18 $ 5,241,000 $ 291,166 $ 101,000
Cedar, Iowa 17 $ 1,614,000 $ 94,941 $ 54,000
Harris, Texas 17 $ 3,393,000 $ 199,588 $ 119,000
Williamson, Texas 17 $ 3,684,000 $ 216,705 $ 93,000
Green, Wisconsin 17 $ 3,079,000 $ 181,117 $ 57,000
Douglas, Colorado 16 $ 4,431,000 $ 276,937 $ 135,000
Indian River, Florida 16 $ 2,077,000 $ 129,812 $ 52,000
Wilson, Tennessee 16 $ 3,387,000 $ 211,687 $ 108,000
Hunt, Texas 16 $ 2,319,000 $ 144,937 $ 63,000
Jefferson, Wisconsin 16 $ 2,064,000 $ 129,000 $ 70,000
Pinal, Arizona 15 $ 2,350,000 $ 156,666 $ 107,000
Osceola, Florida 15 $ 2,364,000 $ 157,600 $ 60,000
Clayton, Georgia 15 $ 1,270,000 $ 84,666 $ 75,000
Lane, Oregon 15 $ 2,510,000 $ 167,333 $ 67,000
Hidalgo, Texas 15 $ 1,843,000 $ 122,866 $ 61,000
Denver, Colorado 14 $ 3,977,000 $ 284,071 $ 126,000
Hartford, Connecticut 14 $ 3,208,000 $ 229,142 $ 114,000
Walton, Georgia 14 $ 2,613,000 $ 186,642 $ 70,000
Linn, Iowa 14 $ 1,900,000 $ 135,714 $ 69,000
Wagoner, Oklahoma 14 $ 2,429,000 $ 173,500 $ 85,000
King, Washington 14 $ 4,693,000 $ 335,214 $ 123,000
Duval, Florida 13 $ 2,521,000 $ 193,923 $ 78,000
Miami-Dade, Florida 13 $ 2,361,000 $ 181,615 $ 73,000
Hennepin, Minnesota 13 $ 2,446,000 $ 188,153 $ 109,000
Rockwall, Texas 13 $ 2,071,000 $ 159,307 $ 131,000
Adams, Colorado 12 $ 3,033,000 $ 252,750 $ 94,000
Boone, Illinois 12 $ 1,177,000 $ 98,083 $ 48,000
Cecil, Maryland 12 $ 2,539,000 $ 211,583 $ 86,000
Worcester, Massachusetts 12 $ 2,931,000 $ 244,250 $ 103,000
Cumberland, Tennessee 12 $ 1,379,000 $ 114,916 $ 58,000
Barrow, Georgia 11 $ 1,721,000 $ 156,454 $ 64,000
Mercer, Illinois 11 $ 1,445,000 $ 131,363 $ 74,000
Whiteside, Illinois 11 $ 1,244,000 $ 113,090 $ 56,000
Atlantic, New Jersey 11 $ 2,975,000 $ 270,454 $ 189,000
Mecklenburg, North Carolina 11 $ 2,236,000 $ 203,272 $ 99,000
Putnam, Tennessee 11 $ 1,248,000 $ 113,454 $ 50,000
Henderson, Texas 11 $ 2,811,000 $ 255,545 $ 164,000
Montgomery, Texas 11 $ 2,522,000 $ 229,272 $ 109,000
Los Angeles, California 10 $ 4,053,000 $ 405,300 $ 145,000
Jefferson, Colorado 10 $ 4,101,000 $ 410,100 $ 132,000
Lee, Florida 10 $ 1,373,000 $ 137,300 $ 105,000
Manatee, Florida 10 $ 1,545,000 $ 154,500 $ 50,000
Des Moines, Iowa 10 $ 830,000 $ 83,000 $ 32,000
Lexington, South Carolina 10 $ 2,079,000 $ 207,900 $ 83,000
Fort Bend, Texas 10 $ 1,947,000 $ 194,700 $ 102,000
Lamoille, Vermont 10 $ 1,550,000 $ 155,000 $ 58,000
Washington, Vermont 10 $ 1,849,000 $ 184,900 $ 61,000
Iowa, Wisconsin 10 $ 1,361,000 $ 136,100 $ 56,000
Sussex, Delaware 9 $ 1,433,000 $ 159,222 $ 104,000
Santa Rosa, Florida 9 $ 1,748,000 $ 194,222 $ 63,000
Louisa, Iowa 9 $ 1,319,000 $ 146,555 $ 45,000
Dakota, Minnesota 9 $ 1,670,000 $ 185,555 $ 76,000
Columbia, Wisconsin 9 $ 1,334,000 $ 148,222 $ 89,000
Sheboygan, Wisconsin 9 $ 1,316,000 $ 146,222 $ 84,000
Ventura, California 8 $ 2,455,000 $ 306,875 $ 92,000
Flagler, Florida 8 $ 1,864,000 $ 233,000 $ 102,000
Seminole, Florida 8 $ 1,445,000 $ 180,625 $ 99,000
Douglas, Georgia 8 $ 973,000 $ 121,625 $ 48,000
Meriwether, Georgia 8 $ 1,003,000 $ 125,375 $ 33,000
Ramsey, Minnesota 8 $ 1,348,000 $ 168,500 $ 95,000
Addison, Vermont 8 $ 1,901,000 $ 237,625 $ 80,000
Kenosha, Wisconsin 8 $ 1,903,000 $ 237,875 $ 121,000
La Crosse, Wisconsin 8 $ 1,176,000 $ 147,000 $ 71,000
Riverside, California 7 $ 1,949,000 $ 278,428 $ 126,000
Escambia, Florida 7 $ 1,157,000 $ 165,285 $ 96,000
Walton, Florida 7 $ 809,000 $ 115,571 $ 53,000
Lumpkin, Georgia 7 $ 960,000 $ 137,142 $ 63,000
White, Georgia 7 $ 1,008,000 $ 144,000 $ 66,000
Kendall, Illinois 7 $ 1,322,000 $ 188,857 $ 65,000
Grafton, New Hampshire 7 $ 1,384,000 $ 197,714 $ 121,000
Camden, New Jersey 7 $ 1,561,000 $ 223,000 $ 101,000
Klamath, Oregon 7 $ 1,267,000 $ 181,000 $ 85,000
Multnomah, Oregon 7 $ 1,586,000 $ 226,571 $ 116,000
Allegheny, Pennsylvania 7 $ 1,251,000 $ 178,714 $ 110,000
Berks, Pennsylvania 7 $ 1,265,000 $ 180,714 $ 87,000
Richland, South Carolina 7 $ 1,135,000 $ 162,142 $ 60,000
Sumner, Tennessee 7 $ 1,631,000 $ 233,000 $ 106,000
Clark, Washington 7 $ 1,505,000 $ 215,000 $ 79,000
Pierce, Washington 7 $ 1,902,000 $ 271,714 $ 109,000
Snohomish, Washington 7 $ 2,093,000 $ 299,000 $ 118,000
Orange, California 6 $ 2,230,000 $ 371,666 $ 155,000
San Diego, California 6 $ 2,294,000 $ 382,333 $ 119,000
Bryan, Georgia 6 $ 1,564,000 $ 260,666 $ 152,000
Paulding, Georgia 6 $ 764,000 $ 127,333 $ 55,000
Jones, Iowa 6 $ 491,000 $ 81,833 $ 62,000
Norfolk, Massachusetts 6 $ 2,061,000 $ 343,500 $ 190,000
Cape May, New Jersey 6 $ 1,889,000 $ 314,833 $ 200,000
Wake, North Carolina 6 $ 1,801,000 $ 300,166 $ 130,000
Rogers, Oklahoma 6 $ 917,000 $ 152,833 $ 73,000
York, South Carolina 6 $ 875,000 $ 145,833 $ 91,000
Ellis, Texas 6 $ 747,000 $ 124,500 $ 43,000
Spokane, Washington 6 $ 816,000 $ 136,000 $ 60,000
Pima, Arizona 5 $ 887,000 $ 177,400 $ 96,000
Weld, Colorado 5 $ 1,008,000 $ 201,600 $ 62,000
Fairfield, Connecticut 5 $ 1,332,000 $ 266,400 $ 145,000
Okaloosa, Florida 5 $ 989,000 $ 197,800 $ 121,000
Bartow, Georgia 5 $ 693,000 $ 138,600 $ 86,000
Clarke, Georgia 5 $ 538,000 $ 107,600 $ 56,000
Columbia, Georgia 5 $ 1,047,000 $ 209,400 $ 87,000
Fannin, Georgia 5 $ 902,000 $ 180,400 $ 149,000
Pickens, Georgia 5 $ 773,000 $ 154,600 $ 114,000
Rockdale, Georgia 5 $ 836,000 $ 167,200 $ 54,000
Johnson, Kansas 5 $ 1,184,000 $ 236,800 $ 117,000
Scott, Minnesota 5 $ 1,342,000 $ 268,400 $ 124,000
Forsyth, North Carolina 5 $ 584,000 $ 116,800 $ 114,000
Washington, Oregon 5 $ 990,000 $ 198,000 $ 77,000
Lancaster, Pennsylvania 5 $ 1,139,000 $ 227,800 $ 81,000
Providence, Rhode Island 5 $ 1,070,000 $ 214,000 $ 155,000
Overton, Tennessee 5 $ 670,000 $ 134,000 $ 65,000
Rutherford, Tennessee 5 $ 899,000 $ 179,800 $ 66,000
Parker, Texas 5 $ 886,000 $ 177,200 $ 149,000
Salt Lake, Utah 5 $ 1,233,000 $ 246,600 $ 118,000
Windsor, Vermont 5 $ 996,000 $ 199,200 $ 91,000
Fairfax, Virginia 5 $ 1,874,000 $ 374,800 $ 129,000
Dodge, Wisconsin 5 $ 767,000 $ 153,400 $ 56,000
Sauk, Wisconsin 5 $ 1,183,000 $ 236,600 $ 105,000
Sarasota, Florida 4 $ 615,000 $ 153,750 $ 70,000
St. Johns, Florida 4 $ 856,000 $ 214,000 $ 153,000
Sumter, Florida 4 $ 682,000 $ 170,500 $ 108,000
Burke, Georgia 4 $ 545,000 $ 136,250 $ 117,000
Houston, Georgia 4 $ 367,000 $ 91,750 $ 64,000
DeKalb, Illinois 4 $ 626,000 $ 156,500 $ 84,000
Jo Daviess, Illinois 4 $ 811,000 $ 202,750 $ 170,000
Black Hawk, Iowa 4 $ 393,000 $ 98,250 $ 59,000
Polk, Iowa 4 $ 573,000 $ 143,250 $ 65,000
Bristol, Massachusetts 4 $ 776,000 $ 194,000 $ 87,000
Middlesex, Massachusetts 4 $ 1,183,000 $ 295,750 $ 223,000
Nye, Nevada 4 $ 482,000 $ 120,500 $ 49,000
Montgomery, Ohio 4 $ 521,000 $ 130,250 $ 90,000
Creek, Oklahoma 4 $ 666,000 $ 166,500 $ 59,000
Washington, Oklahoma 4 $ 603,000 $ 150,750 $ 125,000
Jackson, Oregon 4 $ 782,000 $ 195,500 $ 57,000
Colleton, South Carolina 4 $ 679,000 $ 169,750 $ 53,000
Orangeburg, South Carolina 4 $ 671,000 $ 167,750 $ 51,000
Johnson, Texas 4 $ 657,000 $ 164,250 $ 54,000
Midland, Texas 4 $ 985,000 $ 246,250 $ 192,000
Utah, Utah 4 $ 781,000 $ 195,250 $ 71,000
Rutland, Vermont 4 $ 358,000 $ 89,500 $ 35,000
Outagamie, Wisconsin 4 $ 556,000 $ 139,000 $ 90,000
Jefferson, Alabama 3 $ 615,000 $ 205,000 $ 118,000
Sacramento, California 3 $ 888,000 $ 296,000 $ 123,000
El Paso, Colorado 3 $ 599,000 $ 199,666 $ 80,000
Middlesex, Connecticut 3 $ 863,000 $ 287,666 $ 114,000
Collier, Florida 3 $ 1,199,000 $ 399,666 $ 897,000
Pinellas, Florida 3 $ 573,000 $ 191,000 $ 117,000
Habersham, Georgia 3 $ 376,000 $ 125,333 $ 59,000
Heard, Georgia 3 $ 338,000 $ 112,666 $ 50,000
Jefferson, Georgia 3 $ 554,000 $ 184,666 $ 81,000
Murray, Georgia 3 $ 352,000 $ 117,333 $ 51,000
Newton, Georgia 3 $ 255,000 $ 85,000 $ 43,000
Spalding, Georgia 3 $ 395,000 $ 131,666 $ 59,000
Towns, Georgia 3 $ 594,000 $ 198,000 $ 289,000
Kootenai, Idaho 3 $ 390,000 $ 130,000 $ 41,000
Madison, Illinois 3 $ 394,000 $ 131,333 $ 41,000
Ogle, Illinois 3 $ 532,000 $ 177,333 $ 63,000
Allen, Indiana 3 $ 572,000 $ 190,666 $ 117,000
Buchanan, Iowa 3 $ 521,000 $ 173,666 $ 86,000
Washington, Iowa 3 $ 383,000 $ 127,666 $ 45,000
York, Maine 3 $ 757,000 $ 252,333 $ 85,000
Anne Arundel, Maryland 3 $ 732,000 $ 244,000 $ 104,000
Prince George's, Maryland 3 $ 796,000 $ 265,333 $ 114,000
Essex, Massachusetts 3 $ 576,000 $ 192,000 $ 122,000
Plymouth, Massachusetts 3 $ 834,000 $ 278,000 $ 165,000
Genesee, Michigan 3 $ 402,000 $ 134,000 $ 138,000
Kent, Michigan 3 $ 479,000 $ 159,666 $ 77,000
Livingston, Michigan 3 $ 386,000 $ 128,666 $ 141,000
Anoka, Minnesota 3 $ 787,000 $ 262,333 $ 106,000
Carver, Minnesota 3 $ 641,000 $ 213,666 $ 100,000
Olmsted, Minnesota 3 $ 583,000 $ 194,333 $ 77,000
Sherburne, Minnesota 3 $ 669,000 $ 223,000 $ 100,000
St. Louis, Missouri 3 $ 628,000 $ 209,333 $ 82,000
Washoe, Nevada 3 $ 950,000 $ 316,666 $ 127,000
Rockingham, New Hampshire 3 $ 725,000 $ 241,666 $ 139,000
Sandoval, New Mexico 3 $ 819,000 $ 273,000 $ 79,000
Randolph, North Carolina 3 $ 429,000 $ 143,000 $ 80,000
Union, North Carolina 3 $ 683,000 $ 227,666 $ 103,000
Butler, Ohio 3 $ 527,000 $ 175,666 $ 122,000
Cuyahoga, Ohio 3 $ 445,000 $ 148,333 $ 72,000
Delaware, Ohio 3 $ 669,000 $ 223,000 $ 206,000
Osage, Oklahoma 3 $ 395,000 $ 131,666 $ 76,000
Horry, South Carolina 3 $ 404,000 $ 134,666 $ 94,000
Lancaster, South Carolina 3 $ 482,000 $ 160,666 $ 62,000
Fentress, Tennessee 3 $ 313,000 $ 104,333 $ 60,000
Shelby, Tennessee 3 $ 782,000 $ 260,666 $ 60,000
White, Tennessee 3 $ 447,000 $ 149,000 $ 29,000
Fannin, Texas 3 $ 422,000 $ 140,666 $ 74,000
Hays, Texas 3 $ 728,000 $ 242,666 $ 88,000
Kaufman, Texas 3 $ 364,000 $ 121,333 $ 63,000
Smith, Texas 3 $ 252,000 $ 84,000 $ 66,000
Weber, Utah 3 $ 574,000 $ 191,333 $ 68,000
Orleans, Vermont 3 $ 390,000 $ 130,000 $ 39,000
Chesterfield, Virginia 3 $ 940,000 $ 313,333 $ 112,000
Prince William, Virginia 3 $ 648,000 $ 216,000 $ 138,000
Lafayette, Wisconsin 3 $ 274,000 $ 91,333 $ 38,000
Winnebago, Wisconsin 3 $ 483,000 $ 161,000 $ 102,000
Lee, Alabama 2 $ 406,000 $ 203,000 $ 90,000
Navajo, Arizona 2 $ 611,000 $ 305,500 $ 591,000
Benton, Arkansas 2 $ 450,000 $ 225,000 $ 154,000
Contra Costa, California 2 $ 801,000 $ 400,500 $ 114,000
Kern, California 2 $ 381,000 $ 190,500 $ 100,000
San Bernardino, California 2 $ 522,000 $ 261,000 $ 110,000
San Mateo, California 2 $ 1,141,000 $ 570,500 $ 191,000
Santa Clara, California 2 $ 516,000 $ 258,000 $ 125,000
Boulder, Colorado 2 $ 536,000 $ 268,000 $ 211,000
Charlotte, Florida 2 $ 229,000 $ 114,500 $ 150,000
Carroll, Georgia 2 $ 184,000 $ 92,000 $ 91,000
Chatham, Georgia 2 $ 300,000 $ 150,000 $ 87,000
Franklin, Georgia 2 $ 321,000 $ 160,500 $ 84,000
Greene, Georgia 2 $ 547,000 $ 273,500 $ 159,000
Hart, Georgia 2 $ 513,000 $ 256,500 $ 301,000
Monroe, Georgia 2 $ 217,000 $ 108,500 $ 45,000
Oconee, Georgia 2 $ 342,000 $ 171,000 $ 69,000
Rabun, Georgia 2 $ 248,000 $ 124,000 $ 149,000
Richmond, Georgia 2 $ 276,000 $ 138,000 $ 38,000
Lake, Indiana 2 $ 105,000 $ 52,500 $ 27,000
Marion, Indiana 2 $ 325,000 $ 162,500 $ 73,000
Dallas, Iowa 2 $ 428,000 $ 214,000 $ 75,000
Iowa, Iowa 2 $ 229,000 $ 114,500 $ 45,000
Keokuk, Iowa 2 $ 215,000 $ 107,500 $ 115,000
Fayette, Kentucky 2 $ 652,000 $ 326,000 $ 52,000
Caddo, Louisiana 2 $ 190,000 $ 95,000 $ 125,000
Baltimore, Maryland 2 $ 772,000 $ 386,000 $ 153,000
Montgomery, Maryland 2 $ 199,000 $ 99,500 $ 48,000
Barnstable, Massachusetts 2 $ 372,000 $ 186,000 $ 153,000
Suffolk, Massachusetts 2 $ 381,000 $ 190,500 $ 100,000
Lapeer, Michigan 2 $ 180,000 $ 90,000 $ 56,000
Freeborn, Minnesota 2 $ 597,000 $ 298,500 $ 178,000
Wright, Minnesota 2 $ 256,000 $ 128,000 $ 61,000
Clay, Missouri 2 $ 239,000 $ 119,500 $ 73,000
Sarpy, Nebraska 2 $ 155,000 $ 77,500 $ 42,000
Essex, New Jersey 2 $ 761,000 $ 380,500 $ 139,000
Ocean, New Jersey 2 $ 548,000 $ 274,000 $ 187,000
Somerset, New Jersey 2 $ 424,000 $ 212,000 $ 185,000
Dona Ana, New Mexico 2 $ 265,000 $ 132,500 $ 68,000
Gaston, North Carolina 2 $ 156,000 $ 78,000 $ 52,000
Macon, North Carolina 2 $ 457,000 $ 228,500 $ 381,000
Orange, North Carolina 2 $ 527,000 $ 263,500 $ 124,000
Miami, Ohio 2 $ 360,000 $ 180,000 $ 92,000
Wayne, Ohio 2 $ 238,000 $ 119,000 $ 47,000
Oklahoma, Oklahoma 2 $ 260,000 $ 130,000 $ 90,000
Pawnee, Oklahoma 2 $ 221,000 $ 110,500 $ 51,000
Columbia, Oregon 2 $ 462,000 $ 231,000 $ 85,000
Deschutes, Oregon 2 $ 386,000 $ 193,000 $ 68,000
Douglas, Oregon 2 $ 446,000 $ 223,000 $ 62,000
Lincoln, Oregon 2 $ 377,000 $ 188,500 $ 65,000
Linn, Oregon 2 $ 653,000 $ 326,500 $ 155,000
Marion, Oregon 2 $ 415,000 $ 207,500 $ 109,000
Lehigh, Pennsylvania 2 $ 430,000 $ 215,000 $ 64,000
Monroe, Pennsylvania 2 $ 295,000 $ 147,500 $ 73,000
York, Pennsylvania 2 $ 675,000 $ 337,500 $ 167,000
Bristol, Rhode Island 2 $ 666,000 $ 333,000 $ 163,000
Washington, Rhode Island 2 $ 421,000 $ 210,500 $ 123,000
Anderson, South Carolina 2 $ 425,000 $ 212,500 $ 103,000
Clarendon, South Carolina 2 $ 409,000 $ 204,500 $ 127,000
Florence, South Carolina 2 $ 404,000 $ 202,000 $ 133,000
Oconee, South Carolina 2 $ 482,000 $ 241,000 $ 74,000
Cheatham, Tennessee 2 $ 202,000 $ 101,000 $ 75,000
Pickett, Tennessee 2 $ 303,000 $ 151,500 $ 58,000
Rhea, Tennessee 2 $ 453,000 $ 226,500 $ 96,000
Brazoria, Texas 2 $ 292,000 $ 146,000 $ 80,000
Cameron, Texas 2 $ 696,000 $ 348,000 $ 203,000
Comal, Texas 2 $ 263,000 $ 131,500 $ 52,000
El Paso, Texas 2 $ 338,000 $ 169,000 $ 62,000
Hood, Texas 2 $ 281,000 $ 140,500 $ 79,000
Davis, Utah 2 $ 534,000 $ 267,000 $ 91,000
Grand Isle, Vermont 2 $ 533,000 $ 266,500 $ 113,000
Orange, Vermont 2 $ 285,000 $ 142,500 $ 38,000
Culpeper, Virginia 2 $ 264,000 $ 132,000 $ 50,000
Loudoun, Virginia 2 $ 925,000 $ 462,500 $ 187,000
Pittsylvania, Virginia 2 $ 235,000 $ 117,500 $ 53,000
Benton, Washington 2 $ 464,000 $ 232,000 $ 166,000
Chelan, Washington 2 $ 467,000 $ 233,500 $ 120,000
Cowlitz, Washington 2 $ 589,000 $ 294,500 $ 148,000
Grant, Washington 2 $ 208,000 $ 104,000 $ 51,000
Okanogan, Washington 2 $ 284,000 $ 142,000 $ 37,000
Stevens, Washington 2 $ 479,000 $ 239,500 $ 74,000
Brown, Wisconsin 2 $ 261,000 $ 130,500 $ 89,000
Fond du Lac, Wisconsin 2 $ 325,000 $ 162,500 $ 104,000
Grant, Wisconsin 2 $ 316,000 $ 158,000 $ 62,000
Juneau, Wisconsin 2 $ 290,000 $ 145,000 $ 157,000
Oconto, Wisconsin 2 $ 210,000 $ 105,000 $ 101,000
Richland, Wisconsin 2 $ 133,000 $ 66,500 $ 23,000
Mobile, Alabama 1 $ 212,000 $ 212,000 $ 66,000
Montgomery, Alabama 1 $ 134,000 $ 134,000 $ 0
Randolph, Alabama 1 $ 82,000 $ 82,000 $ 34,000
Russell, Alabama 1 $ 128,000 $ 128,000 $ 43,000
Yuma, Arizona 1 $ 55,000 $ 55,000 $ 73,000
Garland, Arkansas 1 $ 242,000 $ 242,000 $ 171,000
Alameda, California 1 $ 417,000 $ 417,000 $ 84,000
Butte, California 1 $ 159,000 $ 159,000 $ 24,000
Monterey, California 1 $ 255,000 $ 255,000 $ 115,000
Sonoma, California 1 $ 244,000 $ 244,000 $ 118,000
Tehama, California 1 $ 328,000 $ 328,000 $ 128,000
Eagle, Colorado 1 $ 539,000 $ 539,000 $ 121,000
Elbert, Colorado 1 $ 410,000 $ 410,000 $ 186,000
Mesa, Colorado 1 $ 247,000 $ 247,000 $ 0
Litchfield, Connecticut 1 $ 212,000 $ 212,000 $ 100,000
Tolland, Connecticut 1 $ 245,000 $ 245,000 $ 13,000
Windham, Connecticut 1 $ 154,000 $ 154,000 $ 28,000
District of Columbia, District Of Columbia 1 $ 393,000 $ 393,000 $ 114,000
Alachua, Florida 1 $ 200,000 $ 200,000 $ 150,000
Citrus, Florida 1 $ 76,000 $ 76,000 $ 44,000
Franklin, Florida 1 $ 276,000 $ 276,000 $ 349,000
Hernando, Florida 1 $ 130,000 $ 130,000 $ 14,000
Leon, Florida 1 $ 147,000 $ 147,000 $ 39,000
Marion, Florida 1 $ 138,000 $ 138,000 $ 0
Martin, Florida 1 $ 129,000 $ 129,000 $ 37,000
Banks, Georgia 1 $ 165,000 $ 165,000 $ 82,000
Bibb, Georgia 1 $ 68,000 $ 68,000 $ 27,000
Bleckley, Georgia 1 $ 200,000 $ 200,000 $ 95,000
Butts, Georgia 1 $ 46,000 $ 46,000 $ 26,000
Clinch, Georgia 1 $ 80,000 $ 80,000 $ 46,000
Dougherty, Georgia 1 $ 64,000 $ 64,000 $ 96,000
Floyd, Georgia 1 $ 150,000 $ 150,000 $ 133,000
Gilmer, Georgia 1 $ 94,000 $ 94,000 $ 121,000
Glynn, Georgia 1 $ 153,000 $ 153,000 $ 75,000
Macon, Georgia 1 $ 199,000 $ 199,000 $ 98,000
McDuffie, Georgia 1 $ 177,000 $ 177,000 $ 75,000
Pike, Georgia 1 $ 119,000 $ 119,000 $ 31,000
Putnam, Georgia 1 $ 312,000 $ 312,000 $ 362,000
Quitman, Georgia 1 $ 140,000 $ 140,000 $ 157,000
Stephens, Georgia 1 $ 304,000 $ 304,000 $ 193,000
Upson, Georgia 1 $ 144,000 $ 144,000 $ 90,000
Walker, Georgia 1 $ 109,000 $ 109,000 $ 42,000
Washington, Georgia 1 $ 146,000 $ 146,000 $ 55,000
Wayne, Georgia 1 $ 75,000 $ 75,000 $ 83,000
Whitfield, Georgia 1 $ 230,000 $ 230,000 $ 45,000
Worth, Georgia 1 $ 196,000 $ 196,000 $ 90,000
Benewah, Idaho 1 $ 100,000 $ 100,000 $ 65,000
Bonner, Idaho 1 $ 128,000 $ 128,000 $ 38,000
Canyon, Idaho 1 $ 91,000 $ 91,000 $ 36,000
Valley, Idaho 1 $ 77,000 $ 77,000 $ 31,000
Bureau, Illinois 1 $ 120,000 $ 120,000 $ 73,000
Knox, Illinois 1 $ 47,000 $ 47,000 $ 19,000
Lee, Illinois 1 $ 167,000 $ 167,000 $ 132,000
McDonough, Illinois 1 $ 57,000 $ 57,000 $ 165,000
Peoria, Illinois 1 $ 138,000 $ 138,000 $ 144,000
St. Clair, Illinois 1 $ 92,000 $ 92,000 $ 43,000
Tazewell, Illinois 1 $ 116,000 $ 116,000 $ 90,000
Bartholomew, Indiana 1 $ 174,000 $ 174,000 $ 66,000
Dearborn, Indiana 1 $ 352,000 $ 352,000 $ 114,000
Hamilton, Indiana 1 $ 450,000 $ 450,000 $ 71,000
Porter, Indiana 1 $ 271,000 $ 271,000 $ 114,000
Rush, Indiana 1 $ 43,000 $ 43,000 $ 58,000
Wabash, Indiana 1 $ 199,000 $ 199,000 $ 114,000
Appanoose, Iowa 1 $ 92,000 $ 92,000 $ 44,000
Cherokee, Iowa 1 $ 85,000 $ 85,000 $ 51,000
Dickinson, Iowa 1 $ 84,000 $ 84,000 $ 172,000
Hardin, Iowa 1 $ 62,000 $ 62,000 $ 32,000
Wapello, Iowa 1 $ 64,000 $ 64,000 $ 46,000
Finney, Kansas 1 $ 157,000 $ 157,000 $ 107,000
Montgomery, Kansas 1 $ 64,000 $ 64,000 $ 50,000
Sedgwick, Kansas 1 $ 175,000 $ 175,000 $ 80,000
Shawnee, Kansas 1 $ 223,000 $ 223,000 $ 197,000
Boone, Kentucky 1 $ 59,000 $ 59,000 $ 40,000
Campbell, Kentucky 1 $ 249,000 $ 249,000 $ 221,000
Daviess, Kentucky 1 $ 220,000 $ 220,000 $ 0
Jefferson, Kentucky 1 $ 179,000 $ 179,000 $ 119,000
Oldham, Kentucky 1 $ 279,000 $ 279,000 $ 130,000
Ascension, Louisiana 1 $ 191,000 $ 191,000 $ 115,000
Sagadahoc, Maine 1 $ 247,000 $ 247,000 $ 126,000
Kent, Maryland 1 $ 131,000 $ 131,000 $ 106,000
Queen Anne's, Maryland 1 $ 386,000 $ 386,000 $ 660,000
Washington, Maryland 1 $ 333,000 $ 333,000 $ 124,000
Wicomico, Maryland 1 $ 183,000 $ 183,000 $ 199,000
Crawford, Michigan 1 $ 134,000 $ 134,000 $ 150,000
Eaton, Michigan 1 $ 59,000 $ 59,000 $ 92,000
Emmet, Michigan 1 $ 100,000 $ 100,000 $ 132,000
Kalamazoo, Michigan 1 $ 123,000 $ 123,000 $ 49,000
Monroe, Michigan 1 $ 156,000 $ 156,000 $ 102,000
Ottawa, Michigan 1 $ 96,000 $ 96,000 $ 86,000
St. Clair, Michigan 1 $ 112,000 $ 112,000 $ 94,000
Tuscola, Michigan 1 $ 60,000 $ 60,000 $ 43,000
Washtenaw, Michigan 1 $ 104,000 $ 104,000 $ 62,000
Crow Wing, Minnesota 1 $ 209,000 $ 209,000 $ 82,000
Fillmore, Minnesota 1 $ 98,000 $ 98,000 $ 45,000
Goodhue, Minnesota 1 $ 244,000 $ 244,000 $ 105,000
Isanti, Minnesota 1 $ 207,000 $ 207,000 $ 100,000
Itasca, Minnesota 1 $ 340,000 $ 340,000 $ 109,000
Jackson, Minnesota 1 $ 177,000 $ 177,000 $ 144,000
McLeod, Minnesota 1 $ 170,000 $ 170,000 $ 45,000
Morrison, Minnesota 1 $ 105,000 $ 105,000 $ 108,000
Winona, Minnesota 1 $ 260,000 $ 260,000 $ 56,000
DeSoto, Mississippi 1 $ 155,000 $ 155,000 $ 208,000
Carroll, Missouri 1 $ 63,000 $ 63,000 $ 45,000
Christian, Missouri 1 $ 83,000 $ 83,000 $ 38,000
Greene, Missouri 1 $ 239,000 $ 239,000 $ 145,000
Worth, Missouri 1 $ 103,000 $ 103,000 $ 78,000
Douglas, Nebraska 1 $ 270,000 $ 270,000 $ 90,000
Lancaster, Nebraska 1 $ 141,000 $ 141,000 $ 55,000
Seward, Nebraska 1 $ 276,000 $ 276,000 $ 136,000
White Pine, Nevada 1 $ 88,000 $ 88,000 $ 149,000
Cheshire, New Hampshire 1 $ 246,000 $ 246,000 $ 102,000
Hillsborough, New Hampshire 1 $ 178,000 $ 178,000 $ 110,000
Merrimack, New Hampshire 1 $ 220,000 $ 220,000 $ 128,000
Gloucester, New Jersey 1 $ 210,000 $ 210,000 $ 93,000
Mercer, New Jersey 1 $ 345,000 $ 345,000 $ 160,000
Middlesex, New Jersey 1 $ 351,000 $ 351,000 $ 129,000
Monmouth, New Jersey 1 $ 463,000 $ 463,000 $ 230,000
Morris, New Jersey 1 $ 370,000 $ 370,000 $ 153,000
Colfax, New Mexico 1 $ 88,000 $ 88,000 $ 85,000
Lincoln, New Mexico 1 $ 295,000 $ 295,000 $ 678,000
Erie, New York 1 $ 138,000 $ 138,000 $ 67,000
Nassau, New York 1 $ 278,000 $ 278,000 $ 0
Onondaga, New York 1 $ 50,000 $ 50,000 $ 200,000
Oswego, New York 1 $ 65,000 $ 65,000 $ 38,000
Westchester, New York 1 $ 66,000 $ 66,000 $ 31,000
Anson, North Carolina 1 $ 70,000 $ 70,000 $ 73,000
Brunswick, North Carolina 1 $ 187,000 $ 187,000 $ 86,000
Buncombe, North Carolina 1 $ 189,000 $ 189,000 $ 262,000
Chatham, North Carolina 1 $ 417,000 $ 417,000 $ 254,000
Cherokee, North Carolina 1 $ 278,000 $ 278,000 $ 86,000
Davidson, North Carolina 1 $ 99,000 $ 99,000 $ 51,000
Durham, North Carolina 1 $ 204,000 $ 204,000 $ 72,000
Granville, North Carolina 1 $ 269,000 $ 269,000 $ 105,000
Guilford, North Carolina 1 $ 90,000 $ 90,000 $ 92,000
Harnett, North Carolina 1 $ 37,000 $ 37,000 $ 11,000
Henderson, North Carolina 1 $ 204,000 $ 204,000 $ 211,000
Johnston, North Carolina 1 $ 206,000 $ 206,000 $ 50,000
Rockingham, North Carolina 1 $ 86,000 $ 86,000 $ 17,000
Rowan, North Carolina 1 $ 417,000 $ 417,000 $ 180,000
Rutherford, North Carolina 1 $ 104,000 $ 104,000 $ 61,000
Swain, North Carolina 1 $ 212,000 $ 212,000 $ 319,000
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Mortgage Loan Application Detail Totals for Guaranty Bank in 2012

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 7,403 $1,307,609,000 $176,000 $1,725,000 $85,000 $3,860,000
Refinancing 3,492 $715,225,000 $204,000 $2,100,000 $104,000 $5,000,000
Home Improvement 89 $16,379,000 $184,000 $400,000 $110,000 $572,000

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 8,944 $1,693,398,000 $189,000 $2,100,000 $93,000 $5,000,000
Hispanic 669 $103,695,000 $155,000 $490,000 $73,000 $911,000
Black or African American 592 $92,672,000 $156,000 $650,000 $66,000 $717,000
Asian 390 $73,410,000 $188,000 $1,114,000 $110,000 $3,860,000
Not Provided 305 $61,366,000 $201,000 $689,000 $106,000 $830,000
American Indian or Alaskan Native 50 $9,148,000 $182,000 $417,000 $83,000 $337,000
Native Hawaiian or Other Pacific Islander 34 $5,524,000 $162,000 $415,000 $86,000 $315,000
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) 6,739 $1,352,228,000 $200,000 $2,100,000 $110,000 $5,000,000
FHA-insured (Federal Housing Administration) 3,153 $481,088,000 $152,000 $562,000 $62,000 $401,000
VA-guaranteed (Veterans Administration) 700 $147,131,000 $210,000 $691,000 $67,000 $309,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 392 $58,766,000 $149,000 $313,000 $48,000 $103,000

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 Originated 5,539 $998,093,000 $180,000 $1,725,000 $86,000 $3,860,000
Loan Purchased By The Institution 3,652 $727,627,000 $199,000 $1,470,000 $102,000 $1,250,000
Application Withdrawn By Applicant 1,176 $211,092,000 $179,000 $2,100,000 $92,000 $5,000,000
Application Denied By Financial Institution 408 $66,906,000 $163,000 $429,000 $69,000 $345,000
Application Approved But Not Accepted 209 $35,495,000 $169,000 $910,000 $86,000 $850,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 131 $22,136,000 $168,000 $411,000 $75,000 $311,000
Debt-To-Income Ratio 100 $15,680,000 $156,000 $416,000 $51,000 $187,000
Collateral 81 $12,737,000 $157,000 $429,000 $79,000 $294,000
Other 53 $9,453,000 $178,000 $412,000 $82,000 $345,000
Insufficient Cash (Downpayment, Closing Cost) 16 $2,119,000 $132,000 $323,000 $54,000 $170,000
Employment History 13 $2,154,000 $165,000 $376,000 $53,000 $291,000
Unverifiable Information 6 $1,107,000 $184,000 $375,000 $61,000 $135,000
Credit Application Incomplete 5 $940,000 $188,000 $247,000 $60,000 $89,000
Mortgage Insurance Denied 3 $580,000 $193,000 $252,000 $143,000 $272,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Guaranty Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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