Guaranty Bank Mortgage Lending & HMDA Data, 2014
In 2014, Guaranty Bank of Glendale, WI reported 428 mortgage applications totaling $81.0 million, down 77% from 2013. The average application was for $189,184, and applicants reported an average income of $107,000. 15% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (48), Atlanta-Sandy Springs-Roswell, GA (43) and Minneapolis-St. Paul-Bloomington, MN-WI (37) (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 | 428 |
| Total Mortgage Loan Application Amount | $80,971,000 |
| Average Mortgage Loan Application Amount | $189,184 |
| Highest Mortgage Loan Application Amount | $1,095,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $2,082,000 |
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Act (HMDA) records Guaranty Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 48 | $ 12,023,000 | $ 250,479 | $ 137,000 |
| Atlanta-Sandy Springs-Roswell, GA | 43 | $ 9,870,000 | $ 229,534 | $ 91,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 37 | $ 7,821,000 | $ 211,378 | $ 98,648 |
| Eau Claire, WI | 29 | $ 2,223,000 | $ 76,655 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 2,168,000 | $ 86,720 | $ 47,000 |
| Chicago-Naperville-Arlington Heights, IL | 21 | $ 3,163,000 | $ 150,619 | $ 70,000 |
| Charleston-North Charleston, SC | 20 | $ 3,593,000 | $ 179,650 | $ 58,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,639,000 | $ 188,500 | $ 81,000 |
| New York-Jersey City-White Plains, NY-NJ | 14 | $ 4,698,000 | $ 335,571 | $ 230,000 |
| Austin-Round Rock, TX | 7 | $ 2,314,000 | $ 330,571 | $ 176,000 |
| Madison, WI | 6 | $ 826,000 | $ 137,666 | $ 44,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 765,000 | $ 127,500 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,234,000 | $ 205,666 | $ 100,000 |
| Ann Arbor, MI | 5 | $ 646,000 | $ 129,200 | $ 59,000 |
| Columbus, OH | 5 | $ 957,000 | $ 191,400 | $ 140,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 644,000 | $ 128,800 | $ 55,800 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,899,000 | $ 379,800 | $ 152,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,076,000 | $ 269,000 | $ 99,000 |
| Newark, NJ-PA | 4 | $ 1,554,000 | $ 388,500 | $ 145,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 815,000 | $ 203,750 | $ 193,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 572,000 | $ 190,666 | $ 89,666 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 825,000 | $ 275,000 | $ 447,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,068,000 | $ 356,000 | $ 186,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,117,000 | $ 372,333 | $ 177,000 |
| St. Louis, MO-IL | 3 | $ 1,160,000 | $ 386,666 | $ 188,666 |
| Wilmington, DE-MD-NJ | 3 | $ 763,000 | $ 254,333 | $ 144,000 |
| Cleveland-Elyria, OH | 2 | $ 270,000 | $ 135,000 | $ 101,000 |
| Columbus, GA-AL | 2 | $ 325,000 | $ 162,500 | $ 61,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 587,000 | $ 293,500 | $ 133,000 |
| Duluth, MN-WI | 2 | $ 350,000 | $ 175,000 | $ 113,500 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| Janesville-Beloit, WI | 2 | $ 218,000 | $ 109,000 | $ 39,000 |
| Kalamazoo-Portage, MI | 2 | $ 528,000 | $ 264,000 | $ 143,000 |
| Mankato-North Mankato, MN | 2 | $ 168,000 | $ 84,000 | $ 66,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 631,000 | $ 315,500 | $ 127,000 |
| Racine, WI | 2 | $ 295,000 | $ 147,500 | $ 95,000 |
| Rochester, MN | 2 | $ 803,000 | $ 401,500 | $ 182,000 |
| St. Cloud, MN | 2 | $ 119,000 | $ 59,500 | $ 73,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 146,000 | $ 146,000 | $ 81,000 |
| Appleton, WI | 1 | $ 74,000 | $ 74,000 | $ 37,000 |
| Cincinnati, OH-KY-IN | 1 | $ 272,000 | $ 272,000 | $ 148,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,095,000 | $ 1,095,000 | $ 2,082,000 |
| Dalton, GA | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 172,000 | $ 172,000 | $ 42,000 |
| Des Moines-West Des Moines, IA | 1 | $ 86,000 | $ 86,000 | $ 29,000 |
| Dubuque, IA | 1 | $ 143,000 | $ 143,000 | $ 68,000 |
| Flint, MI | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Green Bay, WI | 1 | $ 36,000 | $ 36,000 | $ 77,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 289,000 | $ 289,000 | $ 156,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Lancaster, PA | 1 | $ 286,000 | $ 286,000 | $ 208,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 339,000 | $ 339,000 | $ 177,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 157,000 | $ 157,000 | $ 38,000 |
| Port St. Lucie, FL | 1 | $ 137,000 | $ 137,000 | $ 77,000 |
| Raleigh, NC | 1 | $ 377,000 | $ 377,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 1 | $ 119,000 | $ 119,000 | $ 64,000 |
| Spokane-Spokane Valley, WA | 1 | $ 233,000 | $ 233,000 | $ 315,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2014
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 | 230 | $39,332,000 | $171,000 | $975,000 | $107,000 | $1,200,000 |
| Home Purchase | 198 | $41,639,000 | $210,000 | $1,095,000 | $107,000 | $2,082,000 |
| 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 | 352 | $53,600,000 | $152,000 | $620,000 | $88,000 | $796,000 |
| White | 63 | $22,802,000 | $361,000 | $1,095,000 | $201,000 | $2,082,000 |
| Black or African American | 7 | $2,331,000 | $333,000 | $975,000 | $124,000 | $345,000 |
| Hispanic | 2 | $376,000 | $188,000 | $240,000 | $62,000 | $94,000 |
| Asian | 2 | $843,000 | $421,000 | $504,000 | $215,000 | $309,000 |
| Not Provided | 2 | $1,019,000 | $509,000 | $628,000 | $279,000 | $299,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 325 | $65,030,000 | $200,000 | $1,095,000 | $123,000 | $2,082,000 |
| FHA-insured (Federal Housing Administration) | 63 | $8,675,000 | $137,000 | $316,000 | $50,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,796,000 | $199,000 | $359,000 | $75,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,470,000 | $133,000 | $224,000 | $50,000 | $73,000 |
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 | 352 | $53,600,000 | $152,000 | $620,000 | $88,000 | $796,000 |
| Loan Originated | 66 | $24,559,000 | $372,000 | $1,095,000 | $204,000 | $2,082,000 |
| Application Denied By Financial Institution | 6 | $1,711,000 | $285,000 | $850,000 | $125,000 | $338,000 |
| Application Withdrawn By Applicant | 2 | $857,000 | $428,000 | $700,000 | $161,000 | $285,000 |
| Application Approved But Not Accepted | 2 | $244,000 | $122,000 | $136,000 | $42,000 | $42,000 |
| 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 | 2 | $438,000 | $219,000 | $342,000 | $64,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $940,000 | $470,000 | $850,000 | $192,000 | $338,000 |
| Debt-To-Income Ratio | 1 | $133,000 | $133,000 | $133,000 | $22,000 | $22,000 |
| Collateral | 1 | $200,000 | $200,000 | $200,000 | $219,000 | $219,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2014 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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