Guaranty Bank Mortgage Lending & HMDA Data, 2011
In 2011, Guaranty Bank of Glendale, WI reported 7,208 mortgage applications totaling $1.3 billion. The average application was for $181,903, and applicants reported an average income of $90,454. 28% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (720), Charleston-North Charleston-Summerville, SC (686) and Dallas-Plano-Irving, TX (591) (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 | 7,208 |
| Total Mortgage Loan Application Amount | $1,311,158,000 |
| Average Mortgage Loan Application Amount | $181,903 |
| Highest Mortgage Loan Application Amount | $2,160,000 |
| Average Applicant Income | $90,454 |
| Highest Applicant Income | $2,328,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 720 | $ 133,200,000 | $ 185,000 | $ 101,000 |
| Charleston-North Charleston-Summerville, SC | 686 | $ 121,430,000 | $ 177,011 | $ 82,000 |
| Dallas-Plano-Irving, TX | 591 | $ 126,664,000 | $ 214,321 | $ 116,000 |
| Davenport-Moline-Rock Island, IA-IL | 520 | $ 74,730,000 | $ 143,711 | $ 72,930 |
| Las Vegas-Paradise, NV | 432 | $ 63,857,000 | $ 147,817 | $ 87,000 |
| Philadelphia, PA | 413 | $ 96,329,000 | $ 233,242 | $ 110,000 |
| Milwaukee-Waukesha-West Allis, WI | 382 | $ 66,515,000 | $ 174,123 | $ 89,000 |
| Chicago-Joliet-Naperville, IL | 268 | $ 51,975,000 | $ 193,936 | $ 84,000 |
| Palm Bay-Melbourne-Titusville, FL | 252 | $ 40,275,000 | $ 159,821 | $ 73,000 |
| Wilmington, DE-MD-NJ | 236 | $ 53,743,000 | $ 227,724 | $ 109,754 |
| Madison, WI | 229 | $ 41,076,000 | $ 179,371 | $ 78,000 |
| Lakeland-Winter Haven, FL | 135 | $ 18,242,000 | $ 135,125 | $ 52,000 |
| Burlington-South Burlington, VT | 129 | $ 25,234,000 | $ 195,612 | $ 75,000 |
| Tulsa, OK | 117 | $ 18,348,000 | $ 156,820 | $ 81,000 |
| Austin-Round Rock-San Marcos, TX | 94 | $ 22,602,000 | $ 240,446 | $ 108,000 |
| Fort Worth-Arlington, TX | 86 | $ 14,228,000 | $ 165,441 | $ 99,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 72 | $ 17,388,000 | $ 241,500 | $ 108,000 |
| Orlando-Kissimmee-Sanford, FL | 66 | $ 10,745,000 | $ 162,803 | $ 68,000 |
| Port St. Lucie, FL | 66 | $ 6,603,000 | $ 100,045 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 61 | $ 12,885,000 | $ 211,229 | $ 102,000 |
| Phoenix-Mesa-Glendale, AZ | 55 | $ 13,393,000 | $ 243,509 | $ 153,000 |
| Dover, DE | 53 | $ 9,115,000 | $ 171,981 | $ 65,000 |
| Columbus, GA-AL | 47 | $ 7,307,000 | $ 155,468 | $ 75,085 |
| Sherman-Denison, TX | 40 | $ 5,286,000 | $ 132,150 | $ 80,000 |
| Gainesville, GA | 39 | $ 6,447,000 | $ 165,307 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 39 | $ 7,379,000 | $ 189,205 | $ 79,000 |
| San Antonio-New Braunfels, TX | 38 | $ 10,944,000 | $ 288,000 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 36 | $ 4,860,000 | $ 135,000 | $ 72,000 |
| Worcester, MA | 36 | $ 6,802,000 | $ 188,944 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 6,022,000 | $ 177,117 | $ 78,000 |
| Jacksonville, FL | 33 | $ 7,146,000 | $ 216,545 | $ 83,000 |
| Providence-New Bedford-Fall River, RI-MA | 31 | $ 7,175,000 | $ 231,451 | $ 129,516 |
| Janesville, WI | 24 | $ 2,969,000 | $ 123,708 | $ 57,000 |
| Dubuque, IA | 23 | $ 2,845,000 | $ 123,695 | $ 56,000 |
| Houston-Sugar Land-Baytown, TX | 23 | $ 5,347,000 | $ 232,478 | $ 116,000 |
| Rockford, IL | 23 | $ 2,008,000 | $ 87,304 | $ 46,000 |
| La Crosse, WI-MN | 21 | $ 2,722,000 | $ 129,619 | $ 80,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 20 | $ 2,967,000 | $ 148,350 | $ 59,650 |
| New Haven-Milford, CT | 19 | $ 4,863,000 | $ 255,947 | $ 101,000 |
| McAllen-Edinburg-Mission, TX | 17 | $ 2,309,000 | $ 135,823 | $ 64,000 |
| Lake County-Kenosha County, IL-WI | 14 | $ 2,723,000 | $ 194,500 | $ 96,000 |
| Racine, WI | 14 | $ 2,098,000 | $ 149,857 | $ 81,000 |
| Iowa City, IA | 12 | $ 1,847,000 | $ 153,916 | $ 65,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,047,000 | $ 170,583 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 3,713,000 | $ 309,416 | $ 112,666 |
| Boston-Quincy, MA | 11 | $ 3,660,000 | $ 332,727 | $ 147,000 |
| Columbia, SC | 11 | $ 1,836,000 | $ 166,909 | $ 73,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 2,904,000 | $ 264,000 | $ 89,909 |
| Athens-Clarke County, GA | 10 | $ 1,541,000 | $ 154,100 | $ 85,000 |
| Camden, NJ | 9 | $ 1,633,000 | $ 181,444 | $ 117,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,295,000 | $ 286,875 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 2,105,000 | $ 263,125 | $ 233,000 |
| Ocean City, NJ | 7 | $ 1,735,000 | $ 247,857 | $ 220,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,280,000 | $ 182,857 | $ 89,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,240,000 | $ 206,666 | $ 203,000 |
| Cedar Rapids, IA | 6 | $ 556,000 | $ 92,666 | $ 40,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,353,000 | $ 225,500 | $ 104,500 |
| Denver-Aurora-Broomfield, CO | 6 | $ 1,335,000 | $ 222,500 | $ 94,000 |
| Eugene-Springfield, OR | 6 | $ 1,033,000 | $ 172,166 | $ 42,000 |
| St. Louis, MO-IL | 6 | $ 1,154,000 | $ 192,333 | $ 107,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 778,000 | $ 129,666 | $ 58,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,117,000 | $ 223,400 | $ 143,200 |
| Appleton, WI | 5 | $ 782,000 | $ 156,400 | $ 87,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 756,000 | $ 151,200 | $ 75,800 |
| Brownsville-Harlingen, TX | 5 | $ 1,000,000 | $ 200,000 | $ 167,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,862,000 | $ 372,400 | $ 69,000 |
| Sebastian-Vero Beach, FL | 5 | $ 500,000 | $ 100,000 | $ 39,000 |
| Winston-Salem, NC | 5 | $ 1,205,000 | $ 241,000 | $ 90,000 |
| Auburn-Opelika, AL | 4 | $ 349,000 | $ 87,250 | $ 31,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 397,000 | $ 99,250 | $ 49,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 155,000 | $ 38,750 | $ 23,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 426,000 | $ 106,500 | $ 80,000 |
| Indianapolis-Carmel, IN | 4 | $ 545,000 | $ 136,250 | $ 60,000 |
| Knoxville, TN | 4 | $ 932,000 | $ 233,000 | $ 97,000 |
| Louisville-Jefferson County, KY-IN | 4 | $ 1,062,000 | $ 265,500 | $ 77,000 |
| Memphis, TN-MS-AR | 4 | $ 833,000 | $ 208,250 | $ 99,500 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,723,000 | $ 430,750 | $ 159,000 |
| Newark-Union, NJ-PA | 4 | $ 1,423,000 | $ 355,750 | $ 179,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 538,000 | $ 134,500 | $ 45,000 |
| Norwich-New London, CT | 4 | $ 605,000 | $ 151,250 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,200,000 | $ 300,000 | $ 134,000 |
| Baltimore-Towson, MD | 3 | $ 1,044,000 | $ 348,000 | $ 306,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 1,528,000 | $ 509,333 | $ 294,000 |
| Birmingham-Hoover, AL | 3 | $ 734,000 | $ 244,666 | $ 99,000 |
| Coeur D'Alene, ID | 3 | $ 760,000 | $ 253,333 | $ 56,000 |
| Columbus, OH | 3 | $ 530,000 | $ 176,666 | $ 119,000 |
| Fond Du Lac, WI | 3 | $ 283,000 | $ 94,333 | $ 65,000 |
| Lancaster, PA | 3 | $ 518,000 | $ 172,666 | $ 63,000 |
| Mobile, AL | 3 | $ 712,000 | $ 237,333 | $ 136,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 912,000 | $ 304,000 | $ 150,000 |
| Oklahoma City, OK | 3 | $ 404,000 | $ 134,666 | $ 57,000 |
| Raleigh-Cary, NC | 3 | $ 554,000 | $ 184,666 | $ 173,000 |
| Reading, PA | 3 | $ 840,000 | $ 280,000 | $ 116,000 |
| Reno-Sparks, NV | 3 | $ 909,000 | $ 303,000 | $ 158,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 856,000 | $ 285,333 | $ 139,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 780,000 | $ 260,000 | $ 139,000 |
| Sheboygan, WI | 3 | $ 303,000 | $ 101,000 | $ 37,000 |
| Tucson, AZ | 3 | $ 743,000 | $ 247,666 | $ 93,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 540,000 | $ 180,000 | $ 115,000 |
| Albuquerque, NM | 2 | $ 412,000 | $ 206,000 | $ 37,000 |
| Baton Rouge, LA | 2 | $ 448,000 | $ 224,000 | $ 127,000 |
| Chattanooga, TN-GA | 2 | $ 440,000 | $ 220,000 | $ 77,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 276,000 | $ 138,000 | $ 203,000 |
| Des Moines-West Des Moines, IA | 2 | $ 357,000 | $ 178,500 | $ 91,000 |
| Duluth, MN-WI | 2 | $ 198,000 | $ 99,000 | $ 39,000 |
| Eau Claire, WI | 2 | $ 614,000 | $ 307,000 | $ 67,000 |
| Edison-New Brunswick, NJ | 2 | $ 577,000 | $ 288,500 | $ 114,000 |
| El Paso, TX | 2 | $ 233,000 | $ 116,500 | $ 80,000 |
| Flint, MI | 2 | $ 232,000 | $ 116,000 | $ 85,000 |
| Harrisburg-Carlisle, PA | 2 | $ 313,000 | $ 156,500 | $ 92,000 |
| Holland-Grand Haven, MI | 2 | $ 309,000 | $ 154,500 | $ 104,000 |
| Kansas City, MO-KS | 2 | $ 509,000 | $ 254,500 | $ 91,500 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 411,000 | $ 205,500 | $ 102,000 |
| Macon, GA | 2 | $ 196,000 | $ 98,000 | $ 52,000 |
| Midland, TX | 2 | $ 339,000 | $ 169,500 | $ 84,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 512,000 | $ 256,000 | $ 189,000 |
| Oshkosh-Neenah, WI | 2 | $ 402,000 | $ 201,000 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 757,000 | $ 378,500 | $ 141,000 |
| Pittsburgh, PA | 2 | $ 253,000 | $ 126,500 | $ 71,000 |
| Rochester, MN | 2 | $ 243,000 | $ 121,500 | $ 47,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 836,000 | $ 418,000 | $ 79,000 |
| Santa Fe, NM | 2 | $ 1,411,000 | $ 705,500 | $ 403,000 |
| Springfield, OH | 2 | $ 425,000 | $ 212,500 | $ 90,000 |
| Amarillo, TX | 1 | $ 129,000 | $ 129,000 | $ 149,000 |
| Anderson, SC | 1 | $ 388,000 | $ 388,000 | $ 179,000 |
| Ann Arbor, MI | 1 | $ 126,000 | $ 126,000 | $ 190,000 |
| Asheville, NC | 1 | $ 204,000 | $ 204,000 | $ 229,000 |
| Bakersfield-Delano, CA | 1 | $ 334,000 | $ 334,000 | $ 198,000 |
| Barnstable Town, MA | 1 | $ 112,000 | $ 112,000 | $ 154,000 |
| Bend, OR | 1 | $ 322,000 | $ 322,000 | $ 102,000 |
| Billings, MT | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 482,000 | $ 482,000 | $ 150,000 |
| Burlington, NC | 1 | $ 116,000 | $ 116,000 | $ 64,000 |
| Clarksville, TN-KY | 1 | $ 222,000 | $ 222,000 | $ 103,000 |
| Colorado Springs, CO | 1 | $ 214,000 | $ 214,000 | $ 58,000 |
| Columbia, MO | 1 | $ 133,000 | $ 133,000 | $ 82,000 |
| Columbus, IN | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Corpus Christi, TX | 1 | $ 315,000 | $ 315,000 | $ 177,000 |
| Danville, IL | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Fayetteville, NC | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Flagstaff, AZ | 1 | $ 241,000 | $ 241,000 | $ 194,000 |
| Gainesville, FL | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Gary, IN | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 180,000 | $ 180,000 | $ 99,000 |
| Great Falls, MT | 1 | $ 50,000 | $ 50,000 | $ 163,000 |
| Greeley, CO | 1 | $ 116,000 | $ 116,000 | $ 40,000 |
| Green Bay, WI | 1 | $ 152,000 | $ 152,000 | $ 93,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 79,000 | $ 79,000 | $ 73,000 |
| Hattiesburg, MS | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Idaho Falls, ID | 1 | $ 82,000 | $ 82,000 | $ 80,000 |
| Johnstown, PA | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 118,000 | $ 118,000 | $ 109,000 |
| Lexington-Fayette, KY | 1 | $ 114,000 | $ 114,000 | $ 70,000 |
| Madera-Chowchilla, CA | 1 | $ 268,000 | $ 268,000 | $ 90,000 |
| Mankato-North Mankato, MN | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Missoula, MT | 1 | $ 257,000 | $ 257,000 | $ 75,000 |
| Morgantown, WV | 1 | $ 370,000 | $ 370,000 | $ 190,000 |
| Niles-Benton Harbor, MI | 1 | $ 111,000 | $ 111,000 | $ 36,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 410,000 | $ 410,000 | $ 192,000 |
| Ocala, FL | 1 | $ 153,000 | $ 153,000 | $ 62,000 |
| Ogden-Clearfield, UT | 1 | $ 168,000 | $ 168,000 | $ 93,000 |
| Olympia, WA | 1 | $ 182,000 | $ 182,000 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 128,000 | $ 128,000 | $ 114,000 |
| Palm Coast, FL | 1 | $ 94,000 | $ 94,000 | $ 29,000 |
| Peabody, MA | 1 | $ 241,000 | $ 241,000 | $ 69,000 |
| Peoria, IL | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 181,000 | $ 181,000 | $ 60,000 |
| Prescott, AZ | 1 | $ 480,000 | $ 480,000 | $ 135,000 |
| Richmond, VA | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Rome, GA | 1 | $ 106,000 | $ 106,000 | $ 44,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 188,000 | $ 188,000 | $ 137,000 |
| Salt Lake City, UT | 1 | $ 386,000 | $ 386,000 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 417,000 | $ 417,000 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 450,000 | $ 450,000 | $ 186,000 |
| Savannah, GA | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 238,000 | $ 238,000 | $ 115,000 |
| Spokane, WA | 1 | $ 368,000 | $ 368,000 | $ 245,000 |
| Springfield, MO | 1 | $ 57,000 | $ 57,000 | $ 110,000 |
| Sumter, SC | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Tacoma, WA | 1 | $ 154,000 | $ 154,000 | $ 46,000 |
| Tyler, TX | 1 | $ 104,000 | $ 104,000 | $ 80,000 |
| Waco, TX | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 277,000 | $ 277,000 | $ 160,000 |
| Williamsport, PA | 1 | $ 161,000 | $ 161,000 | $ 83,000 |
| Yakima, WA | 1 | $ 80,000 | $ 80,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2011
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 | 5,333 | $924,379,000 | $173,000 | $1,463,000 | $84,000 | $1,778,000 |
| Refinancing | 1,825 | $378,302,000 | $207,000 | $2,160,000 | $109,000 | $2,328,000 |
| Home Improvement | 50 | $8,477,000 | $169,000 | $400,000 | $102,000 | $408,000 |
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 | 5,951 | $1,098,416,000 | $184,000 | $2,160,000 | $92,000 | $2,328,000 |
| Hispanic | 403 | $58,472,000 | $145,000 | $920,000 | $66,000 | $547,000 |
| Black or African American | 378 | $59,053,000 | $156,000 | $1,000,000 | $71,000 | $448,000 |
| Asian | 285 | $57,521,000 | $201,000 | $1,463,000 | $103,000 | $781,000 |
| Not Provided | 152 | $30,150,000 | $198,000 | $750,000 | $105,000 | $1,059,000 |
| American Indian or Alaskan Native | 29 | $5,770,000 | $198,000 | $387,000 | $88,000 | $413,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,776,000 | $177,000 | $414,000 | $70,000 | $117,000 |
| 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) | 4,292 | $851,718,000 | $198,000 | $2,160,000 | $109,000 | $2,328,000 |
| FHA-insured (Federal Housing Administration) | 2,243 | $334,497,000 | $149,000 | $485,000 | $62,000 | $1,598,000 |
| VA-guaranteed (Veterans Administration) | 476 | $95,726,000 | $201,000 | $698,000 | $70,000 | $315,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 197 | $29,217,000 | $148,000 | $321,000 | $48,000 | $107,000 |
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 | 4,613 | $830,051,000 | $179,000 | $2,160,000 | $90,000 | $2,155,000 |
| Loan Originated | 2,021 | $377,119,000 | $186,000 | $1,000,000 | $90,000 | $700,000 |
| Application Withdrawn By Applicant | 384 | $71,493,000 | $186,000 | $602,000 | $96,000 | $2,328,000 |
| Application Denied By Financial Institution | 132 | $21,588,000 | $163,000 | $975,000 | $72,000 | $267,000 |
| Application Approved But Not Accepted | 58 | $10,907,000 | $188,000 | $517,000 | $102,000 | $304,000 |
| 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 | 50 | $7,029,000 | $140,000 | $304,000 | $58,000 | $180,000 |
| Collateral | 28 | $6,075,000 | $216,000 | $975,000 | $106,000 | $267,000 |
| Debt-To-Income Ratio | 27 | $3,936,000 | $145,000 | $375,000 | $45,000 | $96,000 |
| Other | 20 | $3,633,000 | $181,000 | $350,000 | $95,000 | $204,000 |
| Employment History | 3 | $220,000 | $73,000 | $101,000 | $86,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $463,000 | $154,000 | $275,000 | $36,000 | $58,000 |
| Unverifiable Information | 1 | $232,000 | $232,000 | $232,000 | $111,000 | $111,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2011 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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