Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Guaranty Bank & Trust Company of Belzoni, MS reported 412 mortgage applications totaling $45.0 million, down 16% from 2016. The average application was for $109,342, and applicants reported an average income of $77,708. 63% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Memphis, TN-MS-AR (72), Jackson, MS (9) and Cape Girardeau, MO-IL (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 | 412 |
| Total Mortgage Loan Application Amount | $45,049,000 |
| Average Mortgage Loan Application Amount | $109,342 |
| Highest Mortgage Loan Application Amount | $2,823,000 |
| Average Applicant Income | $77,708 |
| Highest Applicant Income | $1,721,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 102 | $ 6,499,000 | $ 63,715 | $ 55,000 |
| Sunflower, Mississippi | 53 | $ 1,905,000 | $ 35,943 | $ 54,000 |
| DeSoto, Mississippi | 47 | $ 4,701,000 | $ 100,021 | $ 93,000 |
| Humphreys, Mississippi | 44 | $ 1,406,000 | $ 31,954 | $ 46,000 |
| Panola, Mississippi | 37 | $ 3,585,000 | $ 96,891 | $ 91,000 |
| Warren, Mississippi | 26 | $ 3,813,000 | $ 146,653 | $ 66,000 |
| Bolivar, Mississippi | 25 | $ 3,466,000 | $ 138,640 | $ 69,000 |
| Tate, Mississippi | 18 | $ 1,609,000 | $ 89,388 | $ 90,000 |
| Grenada, Mississippi | 12 | $ 1,106,000 | $ 92,166 | $ 87,000 |
| Oktibbeha, Mississippi | 6 | $ 4,033,000 | $ 672,166 | $ 80,000 |
| Shelby, Tennessee | 5 | $ 569,000 | $ 113,800 | $ 80,000 |
| Chicot, Arkansas | 4 | $ 112,000 | $ 28,000 | $ 161,000 |
| Hinds, Mississippi | 4 | $ 351,000 | $ 87,750 | $ 376,000 |
| Lafayette, Mississippi | 4 | $ 710,000 | $ 177,500 | $ 90,000 |
| Yalobusha, Mississippi | 4 | $ 152,000 | $ 38,000 | $ 25,000 |
| Yazoo, Mississippi | 4 | $ 5,662,000 | $ 1,415,500 | $ 504,000 |
| Sharkey, Mississippi | 3 | $ 89,000 | $ 29,666 | $ 49,000 |
| Tallahatchie, Mississippi | 3 | $ 508,000 | $ 169,333 | $ 291,000 |
| Quitman, Mississippi | 2 | $ 7,000 | $ 3,500 | $ 31,000 |
| Cleburne, Arkansas | 1 | $ 53,000 | $ 53,000 | $ 107,000 |
| Holmes, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Leflore, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 158,000 |
| Lowndes, Mississippi | 1 | $ 2,487,000 | $ 2,487,000 | $ 0 |
| Madison, Mississippi | 1 | $ 750,000 | $ 750,000 | $ 250,000 |
| Marshall, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Tunica, Mississippi | 1 | $ 242,000 | $ 242,000 | $ 66,000 |
| Cape Girardeau, Missouri | 1 | $ 269,000 | $ 269,000 | $ 119,000 |
| Transylvania, North Carolina | 1 | $ 700,000 | $ 700,000 | $ 334,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2017
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 | 156 | $21,924,000 | $140,000 | $2,823,000 | $97,000 | $1,721,000 |
| Home Improvement | 131 | $5,503,000 | $42,000 | $2,487,000 | $64,000 | $768,000 |
| Refinancing | 125 | $17,622,000 | $140,000 | $1,857,000 | $68,000 | $497,000 |
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 | 175 | $21,202,000 | $121,000 | $2,823,000 | $113,000 | $1,721,000 |
| Black or African American | 158 | $6,717,000 | $42,000 | $313,000 | $47,000 | $231,000 |
| Not applicable | 67 | $15,923,000 | $237,000 | $2,487,000 | $25,000 | $484,000 |
| Not Provided | 4 | $78,000 | $19,000 | $63,000 | $103,000 | $215,000 |
| Hispanic | 3 | $778,000 | $259,000 | $560,000 | $123,000 | $237,000 |
| Asian | 3 | $217,000 | $72,000 | $111,000 | $780,000 | $1,712,000 |
| American Indian or Alaskan Native | 2 | $134,000 | $67,000 | $95,000 | $35,000 | $48,000 |
| 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) | 399 | $43,087,000 | $107,000 | $2,823,000 | $79,000 | $1,721,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,330,000 | $147,000 | $255,000 | $47,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $632,000 | $158,000 | $186,000 | $33,000 | $51,000 |
| 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 | 260 | $33,562,000 | $129,000 | $2,823,000 | $87,000 | $1,721,000 |
| Application Denied By Financial Institution | 110 | $6,531,000 | $59,000 | $560,000 | $46,000 | $237,000 |
| Application Withdrawn By Applicant | 39 | $4,689,000 | $120,000 | $750,000 | $108,000 | $1,712,000 |
| Application Approved But Not Accepted | 3 | $267,000 | $89,000 | $194,000 | $29,000 | $40,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 & Trust Company's 2017 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.
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