Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Guaranty Bank & Trust Company of Belzoni, MS reported 1,482 mortgage applications totaling $327.0 million, up 43% from 2024. The average application was for $220,674, and applicants reported an average income of $122,705. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Memphis, TN-MS-AR (241), Jackson, MS (31) and Dallas-Plano-Irving, TX (3) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank & Trust Company 210 N. Hayden Street Belzoni, MS 39038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,482 |
| Total Mortgage Loan Application Amount | $327,040,000 |
| Average Mortgage Loan Application Amount | $220,674 |
| Highest Mortgage Loan Application Amount | $10,315,000 |
| Average Applicant Income | $122,705 |
| Highest Applicant Income | $3,437,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2025
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 | 1,085 | $244,475,000 | $225,000 | $9,055,000 | $127,000 | $3,437,000 |
| Refinancing | 270 | $58,360,000 | $216,000 | $10,315,000 | $112,000 | $2,058,000 |
| Home Improvement | 68 | $13,060,000 | $192,000 | $2,885,000 | $94,000 | $470,000 |
| Other Purpose | 39 | $6,905,000 | $177,000 | $805,000 | $137,000 | $1,316,000 |
| Cash-out Refinancing | 20 | $4,240,000 | $212,000 | $805,000 | $104,000 | $365,000 |
| Not Applicable | 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 | 979 | $199,395,000 | $203,000 | $1,355,000 | $130,000 | $3,437,000 |
| Black or African American | 204 | $21,940,000 | $107,000 | $515,000 | $70,000 | $556,000 |
| Not applicable | 202 | $83,100,000 | $411,000 | $10,315,000 | $0 | $0 |
| Not Provided | 46 | $11,560,000 | $251,000 | $1,145,000 | $202,000 | $1,651,000 |
| Hispanic | 34 | $6,420,000 | $188,000 | $805,000 | $128,000 | $533,000 |
| Asian | 16 | $4,460,000 | $278,000 | $1,055,000 | $164,000 | $476,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $97,000 | $97,000 |
| 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) | 1,310 | $290,000,000 | $221,000 | $10,315,000 | $127,000 | $3,437,000 |
| FHA-insured (Federal Housing Administration) | 133 | $28,585,000 | $214,000 | $525,000 | $91,000 | $548,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,795,000 | $180,000 | $305,000 | $71,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,660,000 | $258,000 | $485,000 | $210,000 | $2,058,000 |
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 | 1,045 | $256,045,000 | $245,000 | $10,315,000 | $138,000 | $3,437,000 |
| Application Denied By Financial Institution | 239 | $32,295,000 | $135,000 | $1,195,000 | $81,000 | $2,058,000 |
| Application Withdrawn By Applicant | 186 | $36,320,000 | $195,000 | $1,205,000 | $107,000 | $556,000 |
| Application Approved But Not Accepted | 12 | $2,380,000 | $198,000 | $555,000 | $171,000 | $346,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,243 | $294,745,000 | $237,000 | $10,315,000 | $133,000 | $3,437,000 |
| Debt-To-Income Ratio | 69 | $9,795,000 | $141,000 | $615,000 | $53,000 | $208,000 |
| Credit History | 59 | $6,485,000 | $109,000 | $375,000 | $96,000 | $2,058,000 |
| Credit Application Incomplete | 51 | $5,195,000 | $101,000 | $325,000 | $71,000 | $306,000 |
| Other | 23 | $3,725,000 | $161,000 | $605,000 | $92,000 | $324,000 |
| Collateral | 22 | $4,890,000 | $222,000 | $1,195,000 | $134,000 | $712,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $430,000 | $71,000 | $145,000 | $46,000 | $82,000 |
| Employment History | 5 | $465,000 | $93,000 | $145,000 | $78,000 | $172,000 |
| Unverifiable Information | 4 | $1,310,000 | $327,000 | $545,000 | $193,000 | $464,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2025 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 & Trust Company'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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with aggregated HMDA statistics today.
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