Guaranty Bank Mortgage Lending & HMDA Data, 2013
In 2013, Guaranty Bank of Glendale, WI reported 1,836 mortgage applications totaling $326.7 million, down 83% from 2012. The average application was for $177,948, and applicants reported an average income of $78,798. 44% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (408), Charleston-North Charleston-Summerville, SC (309) and Dallas-Plano-Irving, TX (91) (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 | 1,836 |
| Total Mortgage Loan Application Amount | $326,714,000 |
| Average Mortgage Loan Application Amount | $177,948 |
| Highest Mortgage Loan Application Amount | $1,430,000 |
| Average Applicant Income | $78,798 |
| Highest Applicant Income | $3,730,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 408 | $ 72,485,000 | $ 177,659 | $ 74,000 |
| Charleston-North Charleston-Summerville, SC | 309 | $ 53,315,000 | $ 172,540 | $ 63,000 |
| Dallas-Plano-Irving, TX | 91 | $ 23,656,000 | $ 259,956 | $ 154,000 |
| Davenport-Moline-Rock Island, IA-IL | 72 | $ 8,755,000 | $ 121,597 | $ 56,875 |
| Madison, WI | 72 | $ 11,487,000 | $ 159,541 | $ 65,000 |
| Milwaukee-Waukesha-West Allis, WI | 71 | $ 10,688,000 | $ 150,535 | $ 69,000 |
| Houston-Sugar Land-Baytown, TX | 59 | $ 9,843,000 | $ 166,830 | $ 83,000 |
| Wilmington, DE-MD-NJ | 51 | $ 10,857,000 | $ 212,882 | $ 84,000 |
| Chicago-Joliet-Naperville, IL | 46 | $ 8,023,000 | $ 174,413 | $ 79,000 |
| Palm Bay-Melbourne-Titusville, FL | 43 | $ 8,522,000 | $ 198,186 | $ 79,000 |
| Tulsa, OK | 40 | $ 5,422,000 | $ 135,550 | $ 56,000 |
| Philadelphia, PA | 33 | $ 7,442,000 | $ 225,515 | $ 104,000 |
| Las Vegas-Paradise, NV | 29 | $ 4,924,000 | $ 169,793 | $ 69,000 |
| Lakeland-Winter Haven, FL | 26 | $ 4,197,000 | $ 161,423 | $ 61,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 6,361,000 | $ 254,440 | $ 134,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 5,293,000 | $ 230,130 | $ 84,000 |
| Fort Worth-Arlington, TX | 22 | $ 3,197,000 | $ 145,318 | $ 74,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 3,726,000 | $ 196,105 | $ 254,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 2,839,000 | $ 157,722 | $ 52,000 |
| Burlington-South Burlington, VT | 16 | $ 2,989,000 | $ 186,812 | $ 71,000 |
| Kalamazoo-Portage, MI | 16 | $ 2,170,000 | $ 135,625 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,402,000 | $ 171,571 | $ 69,000 |
| Janesville, WI | 11 | $ 1,338,000 | $ 121,636 | $ 55,000 |
| Phoenix-Mesa-Glendale, AZ | 11 | $ 2,361,000 | $ 214,636 | $ 123,000 |
| Port St. Lucie, FL | 11 | $ 1,428,000 | $ 129,818 | $ 56,000 |
| Sherman-Denison, TX | 11 | $ 1,293,000 | $ 117,545 | $ 47,000 |
| Dover, DE | 10 | $ 1,651,000 | $ 165,100 | $ 62,000 |
| Gainesville, GA | 9 | $ 1,190,000 | $ 132,222 | $ 72,000 |
| North Port-Bradenton-Sarasota, FL | 9 | $ 2,960,000 | $ 328,888 | $ 155,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 2,214,000 | $ 276,750 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 1,746,000 | $ 218,250 | $ 104,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 1,825,000 | $ 228,125 | $ 98,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 976,000 | $ 139,428 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,003,000 | $ 167,166 | $ 57,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 2,981,000 | $ 496,833 | $ 167,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 608,000 | $ 152,000 | $ 52,000 |
| Columbia, SC | 4 | $ 760,000 | $ 190,000 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 485,000 | $ 121,250 | $ 97,000 |
| La Crosse, WI-MN | 4 | $ 454,000 | $ 113,500 | $ 46,000 |
| Racine, WI | 4 | $ 630,000 | $ 157,500 | $ 49,000 |
| Cedar Rapids, IA | 3 | $ 257,000 | $ 85,666 | $ 52,000 |
| Columbus, GA-AL | 3 | $ 974,000 | $ 324,666 | $ 96,000 |
| Dubuque, IA | 3 | $ 375,000 | $ 125,000 | $ 181,000 |
| Macon, GA | 3 | $ 484,000 | $ 161,333 | $ 101,000 |
| Rockford, IL | 3 | $ 395,000 | $ 131,666 | $ 46,000 |
| Birmingham-Hoover, AL | 2 | $ 459,000 | $ 229,500 | $ 91,000 |
| Camden, NJ | 2 | $ 401,000 | $ 200,500 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 479,000 | $ 239,500 | $ 126,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 249,000 | $ 124,500 | $ 66,000 |
| New Haven-Milford, CT | 2 | $ 331,000 | $ 165,500 | $ 68,000 |
| Oklahoma City, OK | 2 | $ 375,000 | $ 187,500 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 392,000 | $ 196,000 | $ 79,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Raleigh-Cary, NC | 2 | $ 522,000 | $ 261,000 | $ 101,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 694,000 | $ 347,000 | $ 125,000 |
| Savannah, GA | 2 | $ 241,000 | $ 120,500 | $ 95,000 |
| Sebastian-Vero Beach, FL | 2 | $ 242,000 | $ 121,000 | $ 41,000 |
| Albany, GA | 1 | $ 203,000 | $ 203,000 | $ 146,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 331,000 | $ 331,000 | $ 115,000 |
| Appleton, WI | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Athens-Clarke County, GA | 1 | $ 101,000 | $ 101,000 | $ 69,000 |
| Auburn-Opelika, AL | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Baltimore-Towson, MD | 1 | $ 203,000 | $ 203,000 | $ 51,000 |
| Battle Creek, MI | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Boston-Quincy, MA | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Boulder, CO | 1 | $ 581,000 | $ 581,000 | $ 240,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 505,000 | $ 505,000 | $ 111,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 551,000 | $ 551,000 | $ 190,000 |
| Chattanooga, TN-GA | 1 | $ 237,000 | $ 237,000 | $ 66,000 |
| Colorado Springs, CO | 1 | $ 609,000 | $ 609,000 | $ 200,000 |
| Columbia, MO | 1 | $ 137,000 | $ 137,000 | $ 55,000 |
| Eugene-Springfield, OR | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Fort Collins-Loveland, CO | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Greeley, CO | 1 | $ 226,000 | $ 226,000 | $ 57,000 |
| Greensboro-High Point, NC | 1 | $ 170,000 | $ 170,000 | $ 71,000 |
| Harrisburg-Carlisle, PA | 1 | $ 360,000 | $ 360,000 | $ 207,000 |
| Indianapolis-Carmel, IN | 1 | $ 147,000 | $ 147,000 | $ 140,000 |
| Iowa City, IA | 1 | $ 342,000 | $ 342,000 | $ 91,000 |
| Jacksonville, FL | 1 | $ 131,000 | $ 131,000 | $ 77,000 |
| Kansas City, MO-KS | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Knoxville, TN | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Lancaster, PA | 1 | $ 301,000 | $ 301,000 | $ 68,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 78,000 | $ 78,000 | $ 19,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 431,000 | $ 431,000 | $ 128,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 317,000 | $ 317,000 | $ 136,000 |
| Salt Lake City, UT | 1 | $ 417,000 | $ 417,000 | $ 80,000 |
| Springfield, MA | 1 | $ 309,000 | $ 309,000 | $ 110,000 |
| St. Louis, MO-IL | 1 | $ 187,000 | $ 187,000 | $ 140,000 |
| Topeka, KS | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Tucson, AZ | 1 | $ 249,000 | $ 249,000 | $ 98,000 |
| Winston-Salem, NC | 1 | $ 98,000 | $ 98,000 | $ 101,000 |
| York-Hanover, PA | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2013
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 | 1,502 | $260,519,000 | $173,000 | $1,100,000 | $73,000 | $3,000,000 |
| Refinancing | 328 | $64,965,000 | $198,000 | $1,430,000 | $105,000 | $3,730,000 |
| Home Improvement | 6 | $1,230,000 | $205,000 | $417,000 | $98,000 | $144,000 |
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 | 1,394 | $254,523,000 | $182,000 | $1,430,000 | $84,000 | $3,730,000 |
| Black or African American | 198 | $30,599,000 | $154,000 | $445,000 | $60,000 | $261,000 |
| Hispanic | 134 | $21,201,000 | $158,000 | $460,000 | $65,000 | $203,000 |
| Asian | 55 | $9,677,000 | $175,000 | $403,000 | $62,000 | $208,000 |
| Not Provided | 43 | $9,025,000 | $209,000 | $1,067,000 | $93,000 | $296,000 |
| American Indian or Alaskan Native | 8 | $1,065,000 | $133,000 | $204,000 | $59,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $624,000 | $156,000 | $289,000 | $42,000 | $83,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,199 | $190,815,000 | $159,000 | $505,000 | $62,000 | $365,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 449 | $102,690,000 | $228,000 | $1,430,000 | $133,000 | $3,730,000 |
| VA-guaranteed (Veterans Administration) | 114 | $22,741,000 | $199,000 | $388,000 | $72,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $10,468,000 | $141,000 | $342,000 | $49,000 | $91,000 |
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 | 882 | $168,033,000 | $190,000 | $1,430,000 | $92,000 | $3,730,000 |
| Loan Originated | 808 | $130,718,000 | $161,000 | $431,000 | $62,000 | $261,000 |
| Application Denied By Financial Institution | 66 | $10,582,000 | $160,000 | $505,000 | $59,000 | $261,000 |
| Application Withdrawn By Applicant | 40 | $9,898,000 | $247,000 | $1,100,000 | $162,000 | $3,000,000 |
| Application Approved But Not Accepted | 40 | $7,483,000 | $187,000 | $551,000 | $86,000 | $363,000 |
| 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 | 18 | $3,060,000 | $170,000 | $330,000 | $63,000 | $132,000 |
| Debt-To-Income Ratio | 18 | $3,099,000 | $172,000 | $351,000 | $51,000 | $225,000 |
| Collateral | 11 | $1,938,000 | $176,000 | $505,000 | $68,000 | $111,000 |
| Other | 9 | $1,342,000 | $149,000 | $352,000 | $81,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $569,000 | $113,000 | $172,000 | $36,000 | $56,000 |
| Employment History | 3 | $339,000 | $113,000 | $136,000 | $19,000 | $48,000 |
| Unverifiable Information | 2 | $235,000 | $117,000 | $152,000 | $45,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2013 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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