Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Guaranty Bank & Trust Company of Belzoni, MS reported 492 mortgage applications totaling $50.1 million, down 4% from 2015. The average application was for $101,764, and applicants reported an average income of $81,589. 63% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Memphis, TN-MS-AR (65), Jackson, MS (12) and Daphne-Fairhope-Foley, AL (1) (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 | 492 |
| Total Mortgage Loan Application Amount | $50,068,000 |
| Average Mortgage Loan Application Amount | $101,764 |
| Highest Mortgage Loan Application Amount | $2,819,000 |
| Average Applicant Income | $81,589 |
| Highest Applicant Income | $4,728,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington, Mississippi | 128 | $ 6,522,000 | $ 50,953 | $ 56,000 |
| Panola, Mississippi | 53 | $ 6,918,000 | $ 130,528 | $ 201,000 |
| Humphreys, Mississippi | 51 | $ 2,856,000 | $ 56,000 | $ 43,000 |
| Sunflower, Mississippi | 51 | $ 2,032,000 | $ 39,843 | $ 43,000 |
| Bolivar, Mississippi | 37 | $ 3,605,000 | $ 97,432 | $ 89,000 |
| Warren, Mississippi | 34 | $ 3,356,000 | $ 98,705 | $ 75,000 |
| DeSoto, Mississippi | 30 | $ 3,273,000 | $ 109,100 | $ 77,000 |
| Tate, Mississippi | 27 | $ 2,795,000 | $ 103,518 | $ 69,000 |
| Lafayette, Mississippi | 15 | $ 3,219,000 | $ 214,600 | $ 181,000 |
| Leflore, Mississippi | 7 | $ 1,582,000 | $ 226,000 | $ 59,000 |
| Grenada, Mississippi | 6 | $ 3,333,000 | $ 555,500 | $ 29,000 |
| Yalobusha, Mississippi | 6 | $ 560,000 | $ 93,333 | $ 56,000 |
| Hinds, Mississippi | 5 | $ 3,714,000 | $ 742,800 | $ 52,000 |
| Madison, Mississippi | 5 | $ 1,155,000 | $ 231,000 | $ 199,000 |
| Sharkey, Mississippi | 5 | $ 78,000 | $ 15,600 | $ 22,000 |
| Chicot, Arkansas | 3 | $ 446,000 | $ 148,666 | $ 30,000 |
| Oktibbeha, Mississippi | 3 | $ 475,000 | $ 158,333 | $ 59,000 |
| Shelby, Tennessee | 3 | $ 262,000 | $ 87,333 | $ 89,000 |
| Benton, Mississippi | 2 | $ 69,000 | $ 34,500 | $ 37,000 |
| Tunica, Mississippi | 2 | $ 340,000 | $ 170,000 | $ 125,000 |
| Yazoo, Mississippi | 2 | $ 315,000 | $ 157,500 | $ 61,000 |
| Baldwin, Alabama | 1 | $ 578,000 | $ 578,000 | $ 139,000 |
| Phillips, Arkansas | 1 | $ 66,000 | $ 66,000 | $ 136,000 |
| Bryan, Georgia | 1 | $ 110,000 | $ 110,000 | $ 19,000 |
| Fannin, Georgia | 1 | $ 422,000 | $ 422,000 | $ 594,000 |
| Tensas, Louisiana | 1 | $ 252,000 | $ 252,000 | $ 30,000 |
| Wayne, Michigan | 1 | $ 3,000 | $ 3,000 | $ 56,000 |
| Adams, Mississippi | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Claiborne, Mississippi | 1 | $ 14,000 | $ 14,000 | $ 10,000 |
| Coahoma, Mississippi | 1 | $ 180,000 | $ 180,000 | $ 191,000 |
| Forrest, Mississippi | 1 | $ 12,000 | $ 12,000 | $ 54,000 |
| Hancock, Mississippi | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Issaquena, Mississippi | 1 | $ 17,000 | $ 17,000 | $ 35,000 |
| Lee, Mississippi | 1 | $ 208,000 | $ 208,000 | $ 177,000 |
| Marshall, Mississippi | 1 | $ 139,000 | $ 139,000 | $ 84,000 |
| Quitman, Mississippi | 1 | $ 33,000 | $ 33,000 | $ 21,000 |
| Tallahatchie, Mississippi | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Hardin, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 243,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2016
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 | 201 | $22,226,000 | $110,000 | $1,500,000 | $76,000 | $1,079,000 |
| Refinancing | 157 | $24,457,000 | $155,000 | $2,819,000 | $114,000 | $4,728,000 |
| Home Improvement | 134 | $3,385,000 | $25,000 | $422,000 | $52,000 | $594,000 |
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 | 237 | $24,023,000 | $101,000 | $1,121,000 | $136,000 | $4,728,000 |
| Black or African American | 155 | $6,930,000 | $44,000 | $337,000 | $45,000 | $222,000 |
| Not applicable | 84 | $18,072,000 | $215,000 | $2,819,000 | $0 | $0 |
| Hispanic | 7 | $227,000 | $32,000 | $76,000 | $33,000 | $53,000 |
| Not Provided | 5 | $378,000 | $75,000 | $270,000 | $78,000 | $212,000 |
| Asian | 3 | $309,000 | $103,000 | $157,000 | $55,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $129,000 | $129,000 | $129,000 | $77,000 | $77,000 |
| Native Hawaiin 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) | 471 | $47,807,000 | $101,000 | $2,819,000 | $83,000 | $4,728,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,487,000 | $92,000 | $191,000 | $41,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 5 | $774,000 | $154,000 | $276,000 | $49,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 309 | $38,082,000 | $123,000 | $2,819,000 | $98,000 | $4,728,000 |
| Application Denied By Financial Institution | 130 | $7,156,000 | $55,000 | $337,000 | $42,000 | $191,000 |
| Application Withdrawn By Applicant | 50 | $4,426,000 | $88,000 | $286,000 | $81,000 | $550,000 |
| Application Approved But Not Accepted | 3 | $404,000 | $134,000 | $182,000 | $57,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 71 | $4,076,000 | $57,000 | $310,000 | $38,000 | $125,000 |
| Credit History | 48 | $2,444,000 | $50,000 | $337,000 | $44,000 | $146,000 |
| Collateral | 5 | $389,000 | $77,000 | $180,000 | $77,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $72,000 | $36,000 | $49,000 | $56,000 | $75,000 |
| Unverifiable Information | 2 | $55,000 | $27,000 | $36,000 | $24,000 | $25,000 |
| Other | 1 | $42,000 | $42,000 | $42,000 | $79,000 | $79,000 |
| Employment History | 1 | $78,000 | $78,000 | $78,000 | $71,000 | $71,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2016 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.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About