Guaranty Bank Mortgage Lending & HMDA Data, 2015
In 2015, Guaranty Bank of Glendale, WI reported 564 mortgage applications totaling $234.9 million, up 32% from 2014. The average application was for $416,430, and applicants reported an average income of $204,014. 38% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (146), New York-Jersey City-White Plains, NY-NJ (43) and Minneapolis-St. Paul-Bloomington, MN-WI (39) (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 | 564 |
| Total Mortgage Loan Application Amount | $234,867,000 |
| Average Mortgage Loan Application Amount | $416,430 |
| Highest Mortgage Loan Application Amount | $1,795,000 |
| Average Applicant Income | $204,014 |
| Highest Applicant Income | $1,888,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Waukesha, Wisconsin | 74 | $ 21,919,000 | $ 296,202 | $ 159,000 |
| Milwaukee, Wisconsin | 38 | $ 9,569,000 | $ 251,815 | $ 115,000 |
| Hudson, New Jersey | 26 | $ 9,801,000 | $ 376,961 | $ 163,000 |
| Washington, Wisconsin | 26 | $ 7,460,000 | $ 286,923 | $ 137,000 |
| Hennepin, Minnesota | 24 | $ 17,609,000 | $ 733,708 | $ 354,000 |
| Travis, Texas | 21 | $ 9,484,000 | $ 451,619 | $ 218,000 |
| Beaufort, South Carolina | 18 | $ 13,285,000 | $ 738,055 | $ 307,000 |
| King, Washington | 16 | $ 10,294,000 | $ 643,375 | $ 264,000 |
| St. Charles, Missouri | 12 | $ 2,841,000 | $ 236,750 | $ 160,000 |
| St. Louis, Missouri | 12 | $ 4,414,000 | $ 367,833 | $ 200,000 |
| Franklin, Ohio | 11 | $ 3,076,000 | $ 279,636 | $ 174,000 |
| Palm Beach, Florida | 9 | $ 4,898,000 | $ 544,222 | $ 345,000 |
| Monmouth, New Jersey | 9 | $ 3,675,000 | $ 408,333 | $ 182,000 |
| Charleston, South Carolina | 8 | $ 5,103,000 | $ 637,875 | $ 375,000 |
| Ozaukee, Wisconsin | 8 | $ 3,358,000 | $ 419,750 | $ 261,000 |
| Maricopa, Arizona | 7 | $ 3,022,000 | $ 431,714 | $ 234,000 |
| Pinellas, Florida | 7 | $ 1,821,000 | $ 260,142 | $ 158,000 |
| Washington, Minnesota | 7 | $ 4,598,000 | $ 656,857 | $ 263,000 |
| Orange, Florida | 6 | $ 3,395,000 | $ 565,833 | $ 233,000 |
| Union, New Jersey | 6 | $ 2,509,000 | $ 418,166 | $ 145,000 |
| Montgomery, Pennsylvania | 6 | $ 2,095,000 | $ 349,166 | $ 192,000 |
| St. Louis City, Missouri | 5 | $ 1,017,000 | $ 203,400 | $ 140,000 |
| Tarrant, Texas | 5 | $ 1,340,000 | $ 268,000 | $ 102,000 |
| San Diego, California | 4 | $ 2,347,000 | $ 586,750 | $ 219,000 |
| Hillsborough, Florida | 4 | $ 1,406,000 | $ 351,500 | $ 302,000 |
| Bergen, New Jersey | 4 | $ 1,836,000 | $ 459,000 | $ 246,000 |
| Morris, New Jersey | 4 | $ 1,824,000 | $ 456,000 | $ 177,000 |
| Chester, Pennsylvania | 4 | $ 1,378,000 | $ 344,500 | $ 165,000 |
| Racine, Wisconsin | 4 | $ 649,000 | $ 162,250 | $ 85,000 |
| Seminole, Florida | 3 | $ 1,602,000 | $ 534,000 | $ 327,000 |
| Fulton, Georgia | 3 | $ 2,123,000 | $ 707,666 | $ 301,000 |
| Cook, Illinois | 3 | $ 893,000 | $ 297,666 | $ 103,000 |
| Middlesex, Massachusetts | 3 | $ 1,836,000 | $ 612,000 | $ 201,000 |
| Dakota, Minnesota | 3 | $ 1,828,000 | $ 609,333 | $ 348,000 |
| Essex, New Jersey | 3 | $ 1,027,000 | $ 342,333 | $ 193,000 |
| Gloucester, New Jersey | 3 | $ 621,000 | $ 207,000 | $ 128,000 |
| Bucks, Pennsylvania | 3 | $ 1,207,000 | $ 402,333 | $ 189,000 |
| Collin, Texas | 3 | $ 1,782,000 | $ 594,000 | $ 291,000 |
| Dane, Wisconsin | 3 | $ 749,000 | $ 249,666 | $ 100,000 |
| Los Angeles, California | 2 | $ 1,248,000 | $ 624,000 | $ 208,000 |
| Orange, California | 2 | $ 1,998,000 | $ 999,000 | $ 287,000 |
| San Bernardino, California | 2 | $ 723,000 | $ 361,500 | $ 129,000 |
| Santa Clara, California | 2 | $ 1,621,000 | $ 810,500 | $ 191,000 |
| Denver, Colorado | 2 | $ 1,735,000 | $ 867,500 | $ 321,000 |
| Jefferson, Colorado | 2 | $ 1,109,000 | $ 554,500 | $ 277,000 |
| Collier, Florida | 2 | $ 937,000 | $ 468,500 | $ 221,000 |
| Manatee, Florida | 2 | $ 775,000 | $ 387,500 | $ 316,000 |
| Sarasota, Florida | 2 | $ 1,184,000 | $ 592,000 | $ 338,000 |
| Cobb, Georgia | 2 | $ 836,000 | $ 418,000 | $ 369,000 |
| DeKalb, Georgia | 2 | $ 1,058,000 | $ 529,000 | $ 181,000 |
| Montgomery, Maryland | 2 | $ 1,354,000 | $ 677,000 | $ 200,000 |
| Norfolk, Massachusetts | 2 | $ 862,000 | $ 431,000 | $ 330,000 |
| Jackson, Missouri | 2 | $ 1,484,000 | $ 742,000 | $ 384,000 |
| Middlesex, New Jersey | 2 | $ 649,000 | $ 324,500 | $ 135,000 |
| Ocean, New Jersey | 2 | $ 685,000 | $ 342,500 | $ 203,000 |
| Somerset, New Jersey | 2 | $ 912,000 | $ 456,000 | $ 213,000 |
| Wake, North Carolina | 2 | $ 1,018,000 | $ 509,000 | $ 190,000 |
| Cuyahoga, Ohio | 2 | $ 391,000 | $ 195,500 | $ 137,000 |
| Union, Ohio | 2 | $ 834,000 | $ 417,000 | $ 270,000 |
| Multnomah, Oregon | 2 | $ 1,053,000 | $ 526,500 | $ 313,000 |
| Delaware, Pennsylvania | 2 | $ 631,000 | $ 315,500 | $ 78,000 |
| Philadelphia, Pennsylvania | 2 | $ 983,000 | $ 491,500 | $ 238,000 |
| Richland, South Carolina | 2 | $ 907,000 | $ 453,500 | $ 177,000 |
| Davidson, Tennessee | 2 | $ 764,000 | $ 382,000 | $ 228,000 |
| Williamson, Tennessee | 2 | $ 1,374,000 | $ 687,000 | $ 238,000 |
| Williamson, Texas | 2 | $ 321,000 | $ 160,500 | $ 399,000 |
| Charlottesville, Virginia | 2 | $ 544,000 | $ 272,000 | $ 97,000 |
| Snohomish, Washington | 2 | $ 1,628,000 | $ 814,000 | $ 263,000 |
| Marathon, Wisconsin | 2 | $ 587,000 | $ 293,500 | $ 126,000 |
| St. Croix, Wisconsin | 2 | $ 517,000 | $ 258,500 | $ 74,000 |
| Vilas, Wisconsin | 2 | $ 576,000 | $ 288,000 | $ 152,000 |
| Winnebago, Wisconsin | 2 | $ 336,000 | $ 168,000 | $ 75,000 |
| Pinal, Arizona | 1 | $ 656,000 | $ 656,000 | $ 597,000 |
| Contra Costa, California | 1 | $ 354,000 | $ 354,000 | $ 59,000 |
| Marin, California | 1 | $ 824,000 | $ 824,000 | $ 187,000 |
| Riverside, California | 1 | $ 461,000 | $ 461,000 | $ 260,000 |
| Adams, Colorado | 1 | $ 441,000 | $ 441,000 | $ 280,000 |
| Arapahoe, Colorado | 1 | $ 459,000 | $ 459,000 | $ 247,000 |
| Douglas, Colorado | 1 | $ 620,000 | $ 620,000 | $ 245,000 |
| New Castle, Delaware | 1 | $ 179,000 | $ 179,000 | $ 69,000 |
| Sussex, Delaware | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Brevard, Florida | 1 | $ 585,000 | $ 585,000 | $ 291,000 |
| Flagler, Florida | 1 | $ 147,000 | $ 147,000 | $ 90,000 |
| Lee, Florida | 1 | $ 640,000 | $ 640,000 | $ 247,000 |
| Leon, Florida | 1 | $ 375,000 | $ 375,000 | $ 174,000 |
| Martin, Florida | 1 | $ 461,000 | $ 461,000 | $ 129,000 |
| Osceola, Florida | 1 | $ 416,000 | $ 416,000 | $ 219,000 |
| Volusia, Florida | 1 | $ 476,000 | $ 476,000 | $ 368,000 |
| DuPage, Illinois | 1 | $ 449,000 | $ 449,000 | $ 288,000 |
| McHenry, Illinois | 1 | $ 640,000 | $ 640,000 | $ 215,000 |
| Hamilton, Indiana | 1 | $ 468,000 | $ 468,000 | $ 117,000 |
| Marion, Indiana | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| Monroe, Indiana | 1 | $ 732,000 | $ 732,000 | $ 245,000 |
| Linn, Iowa | 1 | $ 139,000 | $ 139,000 | $ 85,000 |
| Scott, Iowa | 1 | $ 260,000 | $ 260,000 | $ 127,000 |
| Johnson, Kansas | 1 | $ 605,000 | $ 605,000 | $ 384,000 |
| Miami, Kansas | 1 | $ 680,000 | $ 680,000 | $ 229,000 |
| Carroll, Maryland | 1 | $ 465,000 | $ 465,000 | $ 119,000 |
| Charles, Maryland | 1 | $ 228,000 | $ 228,000 | $ 86,000 |
| Harford, Maryland | 1 | $ 579,000 | $ 579,000 | $ 310,000 |
| Howard, Maryland | 1 | $ 220,000 | $ 220,000 | $ 41,000 |
| Suffolk, Massachusetts | 1 | $ 427,000 | $ 427,000 | $ 189,000 |
| Carver, Minnesota | 1 | $ 986,000 | $ 986,000 | $ 427,000 |
| Ramsey, Minnesota | 1 | $ 800,000 | $ 800,000 | $ 252,000 |
| Wright, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 170,000 |
| Christian, Missouri | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Greene, Missouri | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Jefferson, Missouri | 1 | $ 138,000 | $ 138,000 | $ 128,000 |
| Washoe, Nevada | 1 | $ 804,000 | $ 804,000 | $ 390,000 |
| Burlington, New Jersey | 1 | $ 621,000 | $ 621,000 | $ 233,000 |
| Suffolk, New York | 1 | $ 684,000 | $ 684,000 | $ 281,000 |
| Durham, North Carolina | 1 | $ 227,000 | $ 227,000 | $ 87,000 |
| Iredell, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 21,000 |
| Lincoln, North Carolina | 1 | $ 490,000 | $ 490,000 | $ 270,000 |
| Mecklenburg, North Carolina | 1 | $ 302,000 | $ 302,000 | $ 131,000 |
| New Hanover, North Carolina | 1 | $ 234,000 | $ 234,000 | $ 130,000 |
| Union, North Carolina | 1 | $ 722,000 | $ 722,000 | $ 362,000 |
| Licking, Ohio | 1 | $ 147,000 | $ 147,000 | $ 91,000 |
| Morrow, Ohio | 1 | $ 270,000 | $ 270,000 | $ 174,000 |
| Warren, Ohio | 1 | $ 268,000 | $ 268,000 | $ 67,000 |
| Oklahoma, Oklahoma | 1 | $ 697,000 | $ 697,000 | $ 587,000 |
| Tulsa, Oklahoma | 1 | $ 880,000 | $ 880,000 | $ 936,000 |
| Clackamas, Oregon | 1 | $ 521,000 | $ 521,000 | $ 267,000 |
| Washington, Oregon | 1 | $ 477,000 | $ 477,000 | $ 207,000 |
| Carbon, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 250,000 |
| Lehigh, Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| York, Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Providence, Rhode Island | 1 | $ 452,000 | $ 452,000 | $ 192,000 |
| Berkeley, South Carolina | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Montgomery, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 43,000 |
| Dallas, Texas | 1 | $ 800,000 | $ 800,000 | $ 238,000 |
| Fort Bend, Texas | 1 | $ 197,000 | $ 197,000 | $ 115,000 |
| Harris, Texas | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Hays, Texas | 1 | $ 201,000 | $ 201,000 | $ 221,000 |
| Llano, Texas | 1 | $ 956,000 | $ 956,000 | $ 379,000 |
| Navarro, Texas | 1 | $ 94,000 | $ 94,000 | $ 215,000 |
| Randall, Texas | 1 | $ 491,000 | $ 491,000 | $ 382,000 |
| Salt Lake, Utah | 1 | $ 333,000 | $ 333,000 | $ 165,000 |
| Albemarle, Virginia | 1 | $ 690,000 | $ 690,000 | $ 223,000 |
| James City, Virginia | 1 | $ 869,000 | $ 869,000 | $ 720,000 |
| Loudoun, Virginia | 1 | $ 772,000 | $ 772,000 | $ 403,000 |
| Prince William, Virginia | 1 | $ 752,000 | $ 752,000 | $ 320,000 |
| Kitsap, Washington | 1 | $ 480,000 | $ 480,000 | $ 247,000 |
| Brown, Wisconsin | 1 | $ 121,000 | $ 121,000 | $ 52,000 |
| Eau Claire, Wisconsin | 1 | $ 288,000 | $ 288,000 | $ 113,000 |
| Florence, Wisconsin | 1 | $ 269,000 | $ 269,000 | $ 234,000 |
| Fond du Lac, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Jefferson, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Manitowoc, Wisconsin | 1 | $ 338,000 | $ 338,000 | $ 100,000 |
| Marinette, Wisconsin | 1 | $ 257,000 | $ 257,000 | $ 153,000 |
| Oconto, Wisconsin | 1 | $ 173,000 | $ 173,000 | $ 68,000 |
| Outagamie, Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 54,000 |
| Sheboygan, Wisconsin | 1 | $ 172,000 | $ 172,000 | $ 136,000 |
| Walworth, Wisconsin | 1 | $ 330,000 | $ 330,000 | $ 140,000 |
| Waupaca, Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 286 | $118,230,000 | $413,000 | $1,795,000 | $205,000 | $1,888,000 |
| Home Purchase | 278 | $116,637,000 | $419,000 | $1,200,000 | $203,000 | $783,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 301 | $91,156,000 | $302,000 | $1,000,000 | $155,000 | $801,000 |
| White | 219 | $115,632,000 | $528,000 | $1,500,000 | $239,000 | $1,134,000 |
| Not Provided | 19 | $13,685,000 | $720,000 | $1,795,000 | $441,000 | $1,888,000 |
| Asian | 17 | $9,373,000 | $551,000 | $928,000 | $287,000 | $705,000 |
| Hispanic | 6 | $3,541,000 | $590,000 | $765,000 | $358,000 | $783,000 |
| Black or African American | 2 | $1,480,000 | $740,000 | $789,000 | $292,000 | $374,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 549 | $231,975,000 | $422,000 | $1,795,000 | $208,000 | $1,888,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,892,000 | $192,000 | $465,000 | $64,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 303 | $91,838,000 | $303,000 | $1,000,000 | $155,000 | $801,000 |
| Loan Originated | 216 | $111,867,000 | $517,000 | $1,336,000 | $249,000 | $1,134,000 |
| Application Denied By Financial Institution | 25 | $17,205,000 | $688,000 | $1,795,000 | $340,000 | $1,888,000 |
| Application Withdrawn By Applicant | 15 | $9,786,000 | $652,000 | $1,500,000 | $299,000 | $659,000 |
| Application Approved But Not Accepted | 5 | $4,171,000 | $834,000 | $1,200,000 | $276,000 | $377,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 6 | $4,548,000 | $758,000 | $1,795,000 | $374,000 | $862,000 |
| Credit History | 5 | $3,050,000 | $610,000 | $900,000 | $597,000 | $1,888,000 |
| Debt-To-Income Ratio | 5 | $2,615,000 | $523,000 | $980,000 | $137,000 | $224,000 |
| Credit Application Incomplete | 3 | $2,241,000 | $747,000 | $912,000 | $295,000 | $431,000 |
| Collateral | 2 | $1,321,000 | $660,000 | $681,000 | $236,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,529,000 | $764,000 | $1,000,000 | $298,000 | $430,000 |
| Unverifiable Information | 1 | $1,144,000 | $1,144,000 | $1,144,000 | $393,000 | $393,000 |
| Employment History | 1 | $757,000 | $757,000 | $757,000 | $250,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2015 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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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