Guaranty Bank Mortgage Lending & HMDA Data, 2016
In 2016, Guaranty Bank of Glendale, WI reported 240 mortgage applications totaling $131.3 million, down 57% from 2015. The average application was for $547,087, and applicants reported an average income of $276,300. 53% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (37), Minneapolis-St. Paul-Bloomington, MN-WI (25) and Austin-Round Rock, TX (18) (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 | 240 |
| Total Mortgage Loan Application Amount | $131,301,000 |
| Average Mortgage Loan Application Amount | $547,087 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $276,300 |
| Highest Applicant Income | $2,063,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 37 | $ 10,930,000 | $ 295,405 | $ 156,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 25 | $ 14,486,000 | $ 579,440 | $ 413,000 |
| Austin-Round Rock, TX | 18 | $ 12,205,000 | $ 678,055 | $ 314,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 6,736,000 | $ 612,363 | $ 217,363 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 6,376,000 | $ 579,636 | $ 269,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 6,959,000 | $ 632,636 | $ 207,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 4,063,000 | $ 580,428 | $ 343,000 |
| Boston, MA | 7 | $ 4,747,000 | $ 678,142 | $ 230,000 |
| Dallas-Plano-Irving, TX | 6 | $ 3,346,000 | $ 557,666 | $ 346,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 4,409,000 | $ 734,833 | $ 418,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 3,062,000 | $ 612,400 | $ 217,000 |
| Charlottesville, VA | 4 | $ 2,787,000 | $ 696,750 | $ 229,000 |
| Kansas City, MO-KS | 4 | $ 2,574,000 | $ 643,500 | $ 237,250 |
| Madison, WI | 4 | $ 1,276,000 | $ 319,000 | $ 136,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,681,000 | $ 420,250 | $ 203,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,691,000 | $ 422,750 | $ 202,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,772,000 | $ 590,666 | $ 203,000 |
| Philadelphia, PA | 3 | $ 1,588,000 | $ 529,333 | $ 333,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,235,000 | $ 745,000 | $ 161,000 |
| St. Louis, MO-IL | 3 | $ 1,828,000 | $ 609,333 | $ 395,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,088,000 | $ 544,000 | $ 168,000 |
| Asheville, NC | 2 | $ 966,000 | $ 483,000 | $ 125,000 |
| Bend-Redmond, OR | 2 | $ 864,000 | $ 432,000 | $ 200,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 1,463,000 | $ 731,500 | $ 256,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,065,000 | $ 532,500 | $ 307,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,368,000 | $ 684,000 | $ 297,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,413,000 | $ 706,500 | $ 374,000 |
| Reno, NV | 2 | $ 1,138,000 | $ 569,000 | $ 295,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,510,000 | $ 755,000 | $ 1,146,000 |
| Beaumont-Port Arthur, TX | 1 | $ 591,000 | $ 591,000 | $ 415,000 |
| Boulder, CO | 1 | $ 563,000 | $ 563,000 | $ 250,000 |
| Burlington, NC | 1 | $ 600,000 | $ 600,000 | $ 419,000 |
| Burlington-South Burlington, VT | 1 | $ 722,000 | $ 722,000 | $ 264,000 |
| Charleston-North Charleston, SC | 1 | $ 455,000 | $ 455,000 | $ 243,000 |
| Cincinnati, OH-KY-IN | 1 | $ 455,000 | $ 455,000 | $ 145,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 437,000 | $ 437,000 | $ 171,000 |
| Fort Collins, CO | 1 | $ 617,000 | $ 617,000 | $ 203,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 485,000 | $ 485,000 | $ 224,000 |
| Green Bay, WI | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Harrisburg-Carlisle, PA | 1 | $ 159,000 | $ 159,000 | $ 70,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 504,000 | $ 504,000 | $ 229,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 734,000 | $ 734,000 | $ 266,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 850,000 | $ 850,000 | $ 356,000 |
| Iowa City, IA | 1 | $ 921,000 | $ 921,000 | $ 180,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 843,000 | $ 843,000 | $ 281,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 821,000 | $ 821,000 | $ 710,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 850,000 | $ 850,000 | $ 264,000 |
| Newark, NJ-PA | 1 | $ 800,000 | $ 800,000 | $ 338,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 547,000 | $ 547,000 | $ 568,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 819,000 | $ 819,000 | $ 326,000 |
| Ogden-Clearfield, UT | 1 | $ 582,000 | $ 582,000 | $ 200,000 |
| Oklahoma City, OK | 1 | $ 824,000 | $ 824,000 | $ 390,000 |
| Providence-Warwick, RI-MA | 1 | $ 563,000 | $ 563,000 | $ 102,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 576,000 | $ 576,000 | $ 176,000 |
| Rockingham County-Strafford County, NH | 1 | $ 363,000 | $ 363,000 | $ 245,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 641,000 | $ 641,000 | $ 200,000 |
| Salisbury, MD-DE | 1 | $ 537,000 | $ 537,000 | $ 261,000 |
| Salt Lake City, UT | 1 | $ 765,000 | $ 765,000 | $ 411,000 |
| San Antonio-New Braunfels, TX | 1 | $ 378,000 | $ 378,000 | $ 200,000 |
| Tacoma-Lakewood, WA | 1 | $ 440,000 | $ 440,000 | $ 975,000 |
| The Villages, FL | 1 | $ 545,000 | $ 545,000 | $ 260,000 |
| Tulsa, OK | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,050,000 |
| Visalia-Porterville, CA | 1 | $ 699,000 | $ 699,000 | $ 463,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 719,000 | $ 719,000 | $ 179,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 562,000 | $ 562,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2016
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 | 171 | $92,735,000 | $542,000 | $1,200,000 | $251,000 | $1,389,000 |
| Refinancing | 69 | $38,566,000 | $558,000 | $1,350,000 | $339,000 | $2,063,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 126 | $80,956,000 | $642,000 | $1,350,000 | $320,000 | $2,063,000 |
| Not applicable | 75 | $25,816,000 | $344,000 | $624,000 | $191,000 | $1,389,000 |
| Asian | 18 | $10,649,000 | $591,000 | $819,000 | $231,000 | $500,000 |
| Hispanic | 8 | $5,228,000 | $653,000 | $999,000 | $345,000 | $1,107,000 |
| Not Provided | 7 | $5,018,000 | $716,000 | $903,000 | $346,000 | $533,000 |
| Black or African American | 5 | $2,824,000 | $564,000 | $850,000 | $403,000 | $1,200,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $810,000 | $810,000 | $810,000 | $296,000 | $296,000 |
| 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) | 240 | $131,301,000 | $547,000 | $1,350,000 | $276,000 | $2,063,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Originated | 127 | $80,744,000 | $635,000 | $1,350,000 | $310,000 | $1,762,000 |
| Loan Purchased By The Institution | 75 | $25,816,000 | $344,000 | $624,000 | $191,000 | $1,389,000 |
| Application Denied By Financial Institution | 18 | $12,264,000 | $681,000 | $1,195,000 | $328,000 | $975,000 |
| Application Withdrawn By Applicant | 14 | $9,138,000 | $652,000 | $1,200,000 | $361,000 | $2,063,000 |
| Application Approved But Not Accepted | 6 | $3,339,000 | $556,000 | $800,000 | $273,000 | $415,000 |
| 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 | 5 | $3,018,000 | $603,000 | $1,011,000 | $297,000 | $463,000 |
| Credit History | 4 | $2,455,000 | $613,000 | $849,000 | $426,000 | $975,000 |
| Debt-To-Income Ratio | 4 | $2,835,000 | $708,000 | $850,000 | $304,000 | $828,000 |
| Collateral | 3 | $2,560,000 | $853,000 | $1,195,000 | $357,000 | $419,000 |
| Employment History | 1 | $829,000 | $829,000 | $829,000 | $250,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $567,000 | $567,000 | $567,000 | $192,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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's 2016 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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