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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,374 | $ 268,067,000 | $ 195,099 | $ 101,000 |
| Charleston-North Charleston-Summerville, SC | 977 | $ 181,544,000 | $ 185,817 | $ 78,000 |
| Dallas-Plano-Irving, TX | 774 | $ 166,517,000 | $ 215,138 | $ 119,000 |
| Davenport-Moline-Rock Island, IA-IL | 758 | $ 116,198,000 | $ 153,295 | $ 76,282 |
| Las Vegas-Paradise, NV | 698 | $ 116,427,000 | $ 166,800 | $ 83,000 |
| Philadelphia, PA | 569 | $ 133,420,000 | $ 234,481 | $ 115,000 |
| Chicago-Joliet-Naperville, IL | 557 | $ 99,806,000 | $ 179,184 | $ 85,000 |
| Milwaukee-Waukesha-West Allis, WI | 471 | $ 82,757,000 | $ 175,704 | $ 91,000 |
| Palm Bay-Melbourne-Titusville, FL | 345 | $ 62,081,000 | $ 179,944 | $ 86,000 |
| Madison, WI | 313 | $ 58,051,000 | $ 185,466 | $ 86,000 |
| Wilmington, DE-MD-NJ | 262 | $ 59,526,000 | $ 227,198 | $ 97,450 |
| Burlington-South Burlington, VT | 245 | $ 49,814,000 | $ 203,322 | $ 75,000 |
| Lakeland-Winter Haven, FL | 215 | $ 31,756,000 | $ 147,702 | $ 55,000 |
| Warren-Troy-Farmington Hills, MI | 189 | $ 28,860,000 | $ 152,698 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 153 | $ 35,327,000 | $ 230,895 | $ 103,000 |
| Tulsa, OK | 139 | $ 22,087,000 | $ 158,899 | $ 83,000 |
| Fort Worth-Arlington, TX | 122 | $ 21,339,000 | $ 174,909 | $ 112,000 |
| Phoenix-Mesa-Glendale, AZ | 112 | $ 21,920,000 | $ 195,714 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 104 | $ 20,160,000 | $ 193,846 | $ 89,000 |
| Denver-Aurora-Broomfield, CO | 87 | $ 26,364,000 | $ 303,034 | $ 185,000 |
| Tampa-St. Petersburg-Clearwater, FL | 79 | $ 15,935,000 | $ 201,708 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 78 | $ 13,738,000 | $ 176,128 | $ 70,000 |
| Dover, DE | 74 | $ 13,225,000 | $ 178,716 | $ 70,000 |
| Port St. Lucie, FL | 74 | $ 6,818,000 | $ 92,135 | $ 40,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 65 | $ 10,185,000 | $ 156,692 | $ 64,000 |
| Gainesville, GA | 62 | $ 10,621,000 | $ 171,306 | $ 85,000 |
| Columbus, GA-AL | 58 | $ 8,714,000 | $ 150,241 | $ 58,724 |
| Rockford, IL | 58 | $ 5,216,000 | $ 89,931 | $ 43,000 |
| Lake County-Kenosha County, IL-WI | 50 | $ 9,379,000 | $ 187,580 | $ 104,200 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 49 | $ 9,709,000 | $ 198,142 | $ 97,020 |
| Janesville, WI | 45 | $ 5,165,000 | $ 114,777 | $ 52,000 |
| Dubuque, IA | 44 | $ 6,025,000 | $ 136,931 | $ 70,000 |
| Austin-Round Rock-San Marcos, TX | 42 | $ 9,209,000 | $ 219,261 | $ 97,000 |
| Sherman-Denison, TX | 42 | $ 5,466,000 | $ 130,142 | $ 66,000 |
| Houston-Sugar Land-Baytown, TX | 40 | $ 8,154,000 | $ 203,850 | $ 110,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 38 | $ 7,042,000 | $ 185,315 | $ 110,000 |
| New Haven-Milford, CT | 30 | $ 8,434,000 | $ 281,133 | $ 123,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 23 | $ 4,020,000 | $ 174,782 | $ 92,478 |
| Portland-Vancouver-Hillsboro, OR-WA | 23 | $ 5,215,000 | $ 226,739 | $ 96,391 |
| Racine, WI | 23 | $ 3,321,000 | $ 144,391 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 22 | $ 2,643,000 | $ 120,136 | $ 72,000 |
| San Antonio-New Braunfels, TX | 22 | $ 5,695,000 | $ 258,863 | $ 93,000 |
| Iowa City, IA | 21 | $ 3,718,000 | $ 177,047 | $ 69,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 6,786,000 | $ 323,142 | $ 121,000 |
| Cedar Rapids, IA | 20 | $ 2,391,000 | $ 119,550 | $ 67,000 |
| Columbia, SC | 18 | $ 3,374,000 | $ 187,444 | $ 71,000 |
| Hartford-West Hartford-East Hartford, CT | 18 | $ 4,316,000 | $ 239,777 | $ 108,000 |
| Jacksonville, FL | 17 | $ 3,377,000 | $ 198,647 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 16 | $ 2,905,000 | $ 181,562 | $ 77,000 |
| Sebastian-Vero Beach, FL | 16 | $ 2,077,000 | $ 129,812 | $ 52,000 |
| Eugene-Springfield, OR | 15 | $ 2,510,000 | $ 167,333 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 15 | $ 1,843,000 | $ 122,866 | $ 61,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 5,125,000 | $ 341,666 | $ 136,733 |
| North Port-Bradenton-Sarasota, FL | 14 | $ 2,160,000 | $ 154,285 | $ 56,000 |
| Providence-New Bedford-Fall River, RI-MA | 14 | $ 3,122,000 | $ 223,000 | $ 126,285 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 2,361,000 | $ 181,615 | $ 73,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 2,045,000 | $ 170,416 | $ 88,000 |
| Worcester, MA | 12 | $ 2,931,000 | $ 244,250 | $ 103,000 |
| Atlantic City-Hammonton, NJ | 11 | $ 2,975,000 | $ 270,454 | $ 189,000 |
| Boston-Quincy, MA | 11 | $ 3,276,000 | $ 297,818 | $ 166,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 1,373,000 | $ 137,300 | $ 105,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 4,053,000 | $ 405,300 | $ 145,000 |
| Pittsburgh, PA | 9 | $ 1,564,000 | $ 173,777 | $ 104,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 2,471,000 | $ 274,555 | $ 122,000 |
| Sheboygan, WI | 9 | $ 1,316,000 | $ 146,222 | $ 84,000 |
| Camden, NJ | 8 | $ 1,771,000 | $ 221,375 | $ 100,000 |
| La Crosse, WI-MN | 8 | $ 1,176,000 | $ 147,000 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,455,000 | $ 306,875 | $ 92,000 |
| Palm Coast, FL | 8 | $ 1,864,000 | $ 233,000 | $ 102,000 |
| Richmond, VA | 8 | $ 2,505,000 | $ 313,125 | $ 114,000 |
| Savannah, GA | 8 | $ 1,864,000 | $ 233,000 | $ 136,000 |
| Athens-Clarke County, GA | 7 | $ 880,000 | $ 125,714 | $ 60,000 |
| Kansas City, MO-KS | 7 | $ 1,423,000 | $ 203,285 | $ 104,428 |
| Raleigh-Cary, NC | 7 | $ 2,007,000 | $ 286,714 | $ 119,000 |
| Reading, PA | 7 | $ 1,265,000 | $ 180,714 | $ 87,000 |
| St. Louis, MO-IL | 7 | $ 1,114,000 | $ 159,142 | $ 59,142 |
| Tacoma, WA | 7 | $ 1,902,000 | $ 271,714 | $ 109,000 |
| Baltimore-Towson, MD | 6 | $ 1,890,000 | $ 315,000 | $ 213,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,187,000 | $ 197,833 | $ 123,333 |
| Dayton, OH | 6 | $ 881,000 | $ 146,833 | $ 91,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,001,000 | $ 166,833 | $ 68,000 |
| Edison-New Brunswick, NJ | 6 | $ 1,786,000 | $ 297,666 | $ 184,000 |
| Ocean City, NJ | 6 | $ 1,889,000 | $ 314,833 | $ 200,000 |
| Salt Lake City, UT | 6 | $ 1,358,000 | $ 226,333 | $ 112,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,294,000 | $ 382,333 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,230,000 | $ 371,666 | $ 155,000 |
| Spokane, WA | 6 | $ 816,000 | $ 136,000 | $ 60,000 |
| Appleton, WI | 5 | $ 735,000 | $ 147,000 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 1,332,000 | $ 266,400 | $ 145,000 |
| Columbus, OH | 5 | $ 924,000 | $ 184,800 | $ 173,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 989,000 | $ 197,800 | $ 121,000 |
| Greeley, CO | 5 | $ 1,008,000 | $ 201,600 | $ 62,000 |
| Greensboro-High Point, NC | 5 | $ 605,000 | $ 121,000 | $ 70,000 |
| Lancaster, PA | 5 | $ 1,139,000 | $ 227,800 | $ 81,000 |
| Memphis, TN-MS-AR | 5 | $ 1,286,000 | $ 257,200 | $ 104,800 |
| Ogden-Clearfield, UT | 5 | $ 1,108,000 | $ 221,600 | $ 77,000 |
| Tucson, AZ | 5 | $ 887,000 | $ 177,400 | $ 96,000 |
| Winston-Salem, NC | 5 | $ 584,000 | $ 116,800 | $ 114,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,183,000 | $ 295,750 | $ 223,000 |
| Dalton, GA | 4 | $ 582,000 | $ 145,500 | $ 49,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,148,000 | $ 287,000 | $ 143,000 |
| Green Bay, WI | 4 | $ 471,000 | $ 117,750 | $ 95,000 |
| Medford, OR | 4 | $ 782,000 | $ 195,500 | $ 57,000 |
| Midland, TX | 4 | $ 985,000 | $ 246,250 | $ 192,000 |
| Newark-Union, NJ-PA | 4 | $ 1,260,000 | $ 315,000 | $ 131,500 |
| Portland-South Portland-Biddeford, ME | 4 | $ 1,004,000 | $ 251,000 | $ 95,000 |
| Provo-Orem, UT | 4 | $ 781,000 | $ 195,250 | $ 71,000 |
| Warner Robins, GA | 4 | $ 367,000 | $ 91,750 | $ 64,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 393,000 | $ 98,250 | $ 59,000 |
| Albuquerque, NM | 3 | $ 819,000 | $ 273,000 | $ 79,000 |
| Birmingham-Hoover, AL | 3 | $ 615,000 | $ 205,000 | $ 118,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 445,000 | $ 148,333 | $ 72,000 |
| Coeur D'Alene, ID | 3 | $ 390,000 | $ 130,000 | $ 41,000 |
| Colorado Springs, CO | 3 | $ 599,000 | $ 199,666 | $ 80,000 |
| Flint, MI | 3 | $ 402,000 | $ 134,000 | $ 138,000 |
| Florence, SC | 3 | $ 497,000 | $ 165,666 | $ 88,000 |
| Fort Wayne, IN | 3 | $ 572,000 | $ 190,666 | $ 117,000 |
| Gary, IN | 3 | $ 376,000 | $ 125,333 | $ 56,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 479,000 | $ 159,666 | $ 77,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 585,000 | $ 195,000 | $ 75,000 |
| Indianapolis-Carmel, IN | 3 | $ 775,000 | $ 258,333 | $ 72,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 627,000 | $ 209,000 | $ 147,000 |
| Macon, GA | 3 | $ 285,000 | $ 95,000 | $ 39,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 404,000 | $ 134,666 | $ 94,000 |
| Naples-Marco Island, FL | 3 | $ 1,199,000 | $ 399,666 | $ 897,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,218,000 | $ 406,000 | $ 104,000 |
| Oklahoma City, OK | 3 | $ 544,000 | $ 181,333 | $ 131,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 425,000 | $ 141,666 | $ 58,000 |
| Oshkosh-Neenah, WI | 3 | $ 483,000 | $ 161,000 | $ 102,000 |
| Peabody, MA | 3 | $ 576,000 | $ 192,000 | $ 122,000 |
| Reno-Sparks, NV | 3 | $ 950,000 | $ 316,666 | $ 127,000 |
| Rochester, MN | 3 | $ 583,000 | $ 194,333 | $ 77,000 |
| Rockingham County-Strafford County, NH | 3 | $ 725,000 | $ 241,666 | $ 139,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 888,000 | $ 296,000 | $ 123,000 |
| Tyler, TX | 3 | $ 252,000 | $ 84,000 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 907,000 | $ 302,333 | $ 125,000 |
| Albany, GA | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 430,000 | $ 215,000 | $ 64,000 |
| Anderson, SC | 2 | $ 425,000 | $ 212,500 | $ 103,000 |
| Asheville, NC | 2 | $ 393,000 | $ 196,500 | $ 236,000 |
| Auburn-Opelika, AL | 2 | $ 406,000 | $ 203,000 | $ 90,000 |
| Bakersfield-Delano, CA | 2 | $ 381,000 | $ 190,500 | $ 100,000 |
| Barnstable Town, MA | 2 | $ 372,000 | $ 186,000 | $ 153,000 |
| Bend, OR | 2 | $ 386,000 | $ 193,000 | $ 68,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 199,000 | $ 99,500 | $ 48,000 |
| Boulder, CO | 2 | $ 536,000 | $ 268,000 | $ 211,000 |
| Brownsville-Harlingen, TX | 2 | $ 696,000 | $ 348,000 | $ 203,000 |
| Chattanooga, TN-GA | 2 | $ 278,000 | $ 139,000 | $ 53,500 |
| Danville, VA | 2 | $ 235,000 | $ 117,500 | $ 53,000 |
| El Paso, TX | 2 | $ 338,000 | $ 169,000 | $ 62,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 450,000 | $ 225,000 | $ 154,000 |
| Fond Du Lac, WI | 2 | $ 325,000 | $ 162,500 | $ 104,000 |
| Las Cruces, NM | 2 | $ 265,000 | $ 132,500 | $ 68,000 |
| Lexington-Fayette, KY | 2 | $ 652,000 | $ 326,000 | $ 52,000 |
| Lincoln, NE | 2 | $ 417,000 | $ 208,500 | $ 95,000 |
| Longview, WA | 2 | $ 589,000 | $ 294,500 | $ 148,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 458,000 | $ 229,000 | $ 124,000 |
| Peoria, IL | 2 | $ 254,000 | $ 127,000 | $ 117,000 |
| Punta Gorda, FL | 2 | $ 229,000 | $ 114,500 | $ 150,000 |
| Salem, OR | 2 | $ 415,000 | $ 207,500 | $ 109,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,141,000 | $ 570,500 | $ 191,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 516,000 | $ 258,000 | $ 125,000 |
| Shreveport-Bossier City, LA | 2 | $ 190,000 | $ 95,000 | $ 125,000 |
| Springfield, MO | 2 | $ 322,000 | $ 161,000 | $ 91,000 |
| Syracuse, NY | 2 | $ 115,000 | $ 57,500 | $ 119,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 467,000 | $ 233,500 | $ 120,000 |
| York-Hanover, PA | 2 | $ 675,000 | $ 337,500 | $ 167,000 |
| Ann Arbor, MI | 1 | $ 104,000 | $ 104,000 | $ 62,000 |
| Baton Rouge, LA | 1 | $ 191,000 | $ 191,000 | $ 115,000 |
| Bismarck, ND | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Bremerton-Silverdale, WA | 1 | $ 389,000 | $ 389,000 | $ 100,000 |
| Brunswick, GA | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 138,000 | $ 138,000 | $ 67,000 |
| Charlottesville, VA | 1 | $ 325,000 | $ 325,000 | $ 188,000 |
| Chico, CA | 1 | $ 159,000 | $ 159,000 | $ 24,000 |
| Columbus, IN | 1 | $ 174,000 | $ 174,000 | $ 66,000 |
| Duluth, MN-WI | 1 | $ 241,000 | $ 241,000 | $ 56,000 |
| Eau Claire, WI | 1 | $ 196,000 | $ 196,000 | $ 119,000 |
| Gainesville, FL | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Grand Junction, CO | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 333,000 | $ 333,000 | $ 124,000 |
| Holland-Grand Haven, MI | 1 | $ 96,000 | $ 96,000 | $ 86,000 |
| Hot Springs, AR | 1 | $ 242,000 | $ 242,000 | $ 171,000 |
| Kalamazoo-Portage, MI | 1 | $ 123,000 | $ 123,000 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 246,000 | $ 246,000 | $ 111,000 |
| Knoxville, TN | 1 | $ 107,000 | $ 107,000 | $ 70,000 |
| Lansing-East Lansing, MI | 1 | $ 59,000 | $ 59,000 | $ 92,000 |
| Manchester-Nashua, NH | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
| Mansfield, OH | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Mobile, AL | 1 | $ 212,000 | $ 212,000 | $ 66,000 |
| Monroe, MI | 1 | $ 156,000 | $ 156,000 | $ 102,000 |
| Montgomery, AL | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Morgantown, WV | 1 | $ 114,000 | $ 114,000 | $ 47,000 |
| Nassau-Suffolk, NY | 1 | $ 278,000 | $ 278,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Ocala, FL | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Odessa, TX | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Olympia, WA | 1 | $ 288,000 | $ 288,000 | $ 89,000 |
| Owensboro, KY | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 112,000 | $ 112,000 | $ 135,000 |
| Roanoke, VA | 1 | $ 193,000 | $ 193,000 | $ 99,000 |
| Rome, GA | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| Salinas, CA | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Salisbury, MD | 1 | $ 183,000 | $ 183,000 | $ 199,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 244,000 | $ 244,000 | $ 118,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 241,000 | $ 241,000 | $ 125,000 |
| Springfield, OH | 1 | $ 58,000 | $ 58,000 | $ 70,000 |
| Sumter, SC | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Tallahassee, FL | 1 | $ 147,000 | $ 147,000 | $ 39,000 |
| Topeka, KS | 1 | $ 223,000 | $ 223,000 | $ 197,000 |
| Trenton-Ewing, NJ | 1 | $ 345,000 | $ 345,000 | $ 160,000 |
| Wichita, KS | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Wilmington, NC | 1 | $ 187,000 | $ 187,000 | $ 86,000 |
| Winchester, VA-WV | 1 | $ 264,000 | $ 264,000 | $ 148,000 |
| Yuma, AZ | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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