Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Guaranty Bank & Trust Company of Belzoni, MS reported 324 mortgage applications totaling $34.6 million, down 21% from 2017. The average application was for $106,635, and applicants reported an average income of $93,212. 71% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Memphis, TN-MS-AR (68), Jackson, MS (11) and Cape Coral-Fort Myers, FL (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 | 324 |
| Total Mortgage Loan Application Amount | $34,550,000 |
| Average Mortgage Loan Application Amount | $106,635 |
| Highest Mortgage Loan Application Amount | $2,435,000 |
| Average Applicant Income | $93,212 |
| Highest Applicant Income | $1,075,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 52 | $ 2,850,000 | $ 54,807 | $ 87,000 |
| Humphreys, Mississippi | 37 | $ 1,735,000 | $ 46,891 | $ 53,000 |
| DeSoto, Mississippi | 34 | $ 3,840,000 | $ 112,941 | $ 122,000 |
| Panola, Mississippi | 31 | $ 2,335,000 | $ 75,322 | $ 82,000 |
| Bolivar, Mississippi | 27 | $ 4,025,000 | $ 149,074 | $ 99,000 |
| Sunflower, Mississippi | 22 | $ 1,850,000 | $ 84,090 | $ 46,000 |
| Tate, Mississippi | 22 | $ 2,060,000 | $ 93,636 | $ 101,000 |
| Warren, Mississippi | 14 | $ 1,370,000 | $ 97,857 | $ 111,000 |
| Lafayette, Mississippi | 13 | $ 1,815,000 | $ 139,615 | $ 168,000 |
| Leflore, Mississippi | 12 | $ 1,830,000 | $ 152,500 | $ 93,000 |
| Shelby, Tennessee | 9 | $ 625,000 | $ 69,444 | $ 142,000 |
| Grenada, Mississippi | 8 | $ 840,000 | $ 105,000 | $ 85,000 |
| Hinds, Mississippi | 5 | $ 505,000 | $ 101,000 | $ 48,000 |
| Oktibbeha, Mississippi | 4 | $ 1,340,000 | $ 335,000 | $ 210,000 |
| Tallahatchie, Mississippi | 4 | $ 230,000 | $ 57,500 | $ 60,000 |
| Yazoo, Mississippi | 3 | $ 305,000 | $ 101,666 | $ 122,000 |
| Chicot, Arkansas | 2 | $ 70,000 | $ 35,000 | $ 59,000 |
| Carroll, Mississippi | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| Madison, Mississippi | 2 | $ 520,000 | $ 260,000 | $ 101,000 |
| Montgomery, Mississippi | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| Sharkey, Mississippi | 2 | $ 80,000 | $ 40,000 | $ 15,000 |
| Tunica, Mississippi | 2 | $ 1,300,000 | $ 650,000 | $ 0 |
| Marengo, Alabama | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cleburne, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lee, Florida | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Calhoun, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Choctaw, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 354,000 |
| Coahoma, Mississippi | 1 | $ 285,000 | $ 285,000 | $ 367,000 |
| Forrest, Mississippi | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Marshall, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Quitman, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Rankin, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 7,000 |
| Union, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 493,000 |
| Yalobusha, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Davidson, Tennessee | 1 | $ 2,435,000 | $ 2,435,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2018
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 | 152 | $16,560,000 | $108,000 | $1,005,000 | $96,000 | $701,000 |
| Refinancing | 121 | $15,485,000 | $127,000 | $2,435,000 | $99,000 | $1,075,000 |
| Home Improvement | 37 | $2,075,000 | $56,000 | $355,000 | $72,000 | $459,000 |
| Other Purpose | 14 | $430,000 | $30,000 | $75,000 | $69,000 | $159,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 162 | $16,120,000 | $99,000 | $485,000 | $118,000 | $1,075,000 |
| Black or African American | 89 | $4,845,000 | $54,000 | $285,000 | $48,000 | $182,000 |
| Not applicable | 64 | $12,470,000 | $194,000 | $2,435,000 | $0 | $0 |
| Asian | 4 | $540,000 | $135,000 | $255,000 | $61,000 | $96,000 |
| Not Provided | 2 | $160,000 | $80,000 | $105,000 | $111,000 | $184,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $99,000 | $99,000 |
| Hispanic | 1 | $195,000 | $195,000 | $195,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $117,000 | $117,000 |
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) | 309 | $32,495,000 | $105,000 | $2,435,000 | $94,000 | $1,075,000 |
| FHA-insured (Federal Housing Administration) | 7 | $925,000 | $132,000 | $285,000 | $77,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $640,000 | $106,000 | $165,000 | $44,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $490,000 | $245,000 | $315,000 | $114,000 | $185,000 |
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 | 230 | $27,100,000 | $117,000 | $2,435,000 | $112,000 | $1,075,000 |
| Application Denied By Financial Institution | 63 | $3,495,000 | $55,000 | $285,000 | $43,000 | $182,000 |
| Application Withdrawn By Applicant | 26 | $3,690,000 | $141,000 | $485,000 | $90,000 | $701,000 |
| Application Approved But Not Accepted | 5 | $265,000 | $53,000 | $85,000 | $69,000 | $202,000 |
| 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 | 261 | $31,055,000 | $118,000 | $2,435,000 | $108,000 | $1,075,000 |
| Credit History | 32 | $1,530,000 | $47,000 | $165,000 | $39,000 | $171,000 |
| Debt-To-Income Ratio | 24 | $1,430,000 | $59,000 | $285,000 | $33,000 | $182,000 |
| Collateral | 4 | $290,000 | $72,000 | $75,000 | $117,000 | $147,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $105,000 | $80,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2018 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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