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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, Mississippi | 131 | $ 50,565,000 | $ 385,992 | $ 216,000 |
| DeSoto, Mississippi | 130 | $ 35,790,000 | $ 275,307 | $ 129,000 |
| Lee, Mississippi | 105 | $ 30,615,000 | $ 291,571 | $ 105,000 |
| Tishomingo, Mississippi | 103 | $ 14,585,000 | $ 141,601 | $ 88,000 |
| Washington, Mississippi | 101 | $ 14,275,000 | $ 141,336 | $ 106,000 |
| Alcorn, Mississippi | 82 | $ 12,730,000 | $ 155,243 | $ 76,000 |
| Itawamba, Mississippi | 65 | $ 8,145,000 | $ 125,307 | $ 80,000 |
| Prentiss, Mississippi | 61 | $ 7,455,000 | $ 122,213 | $ 70,000 |
| Panola, Mississippi | 58 | $ 8,430,000 | $ 145,344 | $ 104,000 |
| Grenada, Mississippi | 56 | $ 8,760,000 | $ 156,428 | $ 109,000 |
| Tate, Mississippi | 56 | $ 12,920,000 | $ 230,714 | $ 134,000 |
| Monroe, Mississippi | 50 | $ 9,170,000 | $ 183,400 | $ 112,000 |
| Pontotoc, Mississippi | 40 | $ 10,580,000 | $ 264,500 | $ 107,000 |
| Shelby, Tennessee | 40 | $ 10,180,000 | $ 254,500 | $ 170,000 |
| Leflore, Mississippi | 35 | $ 4,865,000 | $ 139,000 | $ 73,000 |
| Humphreys, Mississippi | 31 | $ 2,535,000 | $ 81,774 | $ 92,000 |
| Bolivar, Mississippi | 30 | $ 5,400,000 | $ 180,000 | $ 109,000 |
| Sunflower, Mississippi | 29 | $ 3,685,000 | $ 127,068 | $ 79,000 |
| Calhoun, Mississippi | 26 | $ 3,290,000 | $ 126,538 | $ 89,000 |
| Yalobusha, Mississippi | 20 | $ 2,980,000 | $ 149,000 | $ 99,000 |
| Carroll, Mississippi | 18 | $ 3,210,000 | $ 178,333 | $ 99,000 |
| Montgomery, Mississippi | 18 | $ 2,070,000 | $ 115,000 | $ 99,000 |
| Warren, Mississippi | 18 | $ 3,960,000 | $ 220,000 | $ 135,000 |
| Madison, Mississippi | 17 | $ 7,645,000 | $ 449,705 | $ 337,000 |
| Union, Mississippi | 13 | $ 1,315,000 | $ 101,153 | $ 144,000 |
| Oktibbeha, Mississippi | 10 | $ 2,730,000 | $ 273,000 | $ 234,000 |
| Tallahatchie, Mississippi | 10 | $ 800,000 | $ 80,000 | $ 71,000 |
| Hinds, Mississippi | 9 | $ 1,385,000 | $ 153,888 | $ 111,000 |
| Tippah, Mississippi | 9 | $ 995,000 | $ 110,555 | $ 61,000 |
| Chickasaw, Mississippi | 8 | $ 1,060,000 | $ 132,500 | $ 85,000 |
| Lowndes, Mississippi | 8 | $ 1,100,000 | $ 137,500 | $ 86,000 |
| Marshall, Mississippi | 8 | $ 2,300,000 | $ 287,500 | $ 104,000 |
| Sharkey, Mississippi | 7 | $ 435,000 | $ 62,142 | $ 58,000 |
| McNairy, Tennessee | 5 | $ 745,000 | $ 149,000 | $ 64,000 |
| Tunica, Mississippi | 4 | $ 8,750,000 | $ 2,187,500 | $ 0 |
| Yazoo, Mississippi | 4 | $ 500,000 | $ 125,000 | $ 110,000 |
| Tuscaloosa, Alabama | 3 | $ 1,005,000 | $ 335,000 | $ 358,000 |
| Chicot, Arkansas | 3 | $ 335,000 | $ 111,666 | $ 60,000 |
| Clay, Mississippi | 3 | $ 655,000 | $ 218,333 | $ 66,000 |
| Hardin, Tennessee | 3 | $ 705,000 | $ 235,000 | $ 140,000 |
| Dallas, Texas | 3 | $ 1,765,000 | $ 588,333 | $ 198,000 |
| Colbert, Alabama | 2 | $ 760,000 | $ 380,000 | $ 109,000 |
| Franklin, Alabama | 2 | $ 230,000 | $ 115,000 | $ 137,000 |
| White, Arkansas | 2 | $ 760,000 | $ 380,000 | $ 1,119,000 |
| Putnam, Florida | 2 | $ 660,000 | $ 330,000 | $ 172,000 |
| Coahoma, Mississippi | 2 | $ 630,000 | $ 315,000 | $ 430,000 |
| Webster, Mississippi | 2 | $ 300,000 | $ 150,000 | $ 45,000 |
| Winston, Mississippi | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Davidson, Tennessee | 2 | $ 830,000 | $ 415,000 | $ 348,000 |
| Fayette, Tennessee | 2 | $ 620,000 | $ 310,000 | $ 94,000 |
| Lauderdale, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 294,000 |
| Sevier, Tennessee | 2 | $ 940,000 | $ 470,000 | $ 211,000 |
| Blount, Alabama | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Coffee, Alabama | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Jefferson, Alabama | 1 | $ 605,000 | $ 605,000 | $ 324,000 |
| Tallapoosa, Alabama | 1 | $ 805,000 | $ 805,000 | $ 1,316,000 |
| Winston, Alabama | 1 | $ 295,000 | $ 295,000 | $ 416,000 |
| Benton, Arkansas | 1 | $ 335,000 | $ 335,000 | $ 556,000 |
| Cleburne, Arkansas | 1 | $ 205,000 | $ 205,000 | $ 217,000 |
| Crittenden, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Izard, Arkansas | 1 | $ 535,000 | $ 535,000 | $ 3,437,000 |
| Sharp, Arkansas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Escambia, Florida | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Okaloosa, Florida | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 10,315,000 | $ 10,315,000 | $ 0 |
| Richmond, Georgia | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Madison, Illinois | 1 | $ 235,000 | $ 235,000 | $ 146,000 |
| Bossier, Louisiana | 1 | $ 495,000 | $ 495,000 | $ 225,000 |
| Madison, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| St. Tammany, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 410,000 |
| Penobscot, Maine | 1 | $ 185,000 | $ 185,000 | $ 273,000 |
| Washtenaw, Michigan | 1 | $ 585,000 | $ 585,000 | $ 172,000 |
| Claiborne, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Harrison, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Issaquena, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Jackson, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jasper, Mississippi | 1 | $ 235,000 | $ 235,000 | $ 226,000 |
| Jones, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Rankin, Mississippi | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Ripley, Missouri | 1 | $ 1,055,000 | $ 1,055,000 | $ 476,000 |
| Chester, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Wayne, Tennessee | 1 | $ 435,000 | $ 435,000 | $ 103,000 |
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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