Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Guaranty Bank & Trust Company of Belzoni, MS reported 345 mortgage applications totaling $39.3 million, up 6% from 2018. The average application was for $113,840, and applicants reported an average income of $124,681. 67% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Memphis, TN-MS-AR (70), Jackson, MS (10) and Houston-The Woodlands-Sugar Land, TX (2) (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 | 345 |
| Total Mortgage Loan Application Amount | $39,275,000 |
| Average Mortgage Loan Application Amount | $113,840 |
| Highest Mortgage Loan Application Amount | $1,095,000 |
| Average Applicant Income | $124,681 |
| Highest Applicant Income | $5,300,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 63 | $ 2,585,000 | $ 41,031 | $ 55,000 |
| Panola, Mississippi | 43 | $ 5,535,000 | $ 128,720 | $ 133,000 |
| DeSoto, Mississippi | 37 | $ 5,935,000 | $ 160,405 | $ 85,000 |
| Humphreys, Mississippi | 31 | $ 1,735,000 | $ 55,967 | $ 86,000 |
| Bolivar, Mississippi | 25 | $ 3,905,000 | $ 156,200 | $ 163,000 |
| Sunflower, Mississippi | 25 | $ 1,315,000 | $ 52,600 | $ 51,000 |
| Tate, Mississippi | 19 | $ 2,385,000 | $ 125,526 | $ 97,000 |
| Warren, Mississippi | 15 | $ 1,915,000 | $ 127,666 | $ 121,000 |
| Leflore, Mississippi | 14 | $ 1,940,000 | $ 138,571 | $ 75,000 |
| Grenada, Mississippi | 11 | $ 1,355,000 | $ 123,181 | $ 53,000 |
| Shelby, Tennessee | 10 | $ 2,020,000 | $ 202,000 | $ 142,000 |
| Lafayette, Mississippi | 8 | $ 1,300,000 | $ 162,500 | $ 253,000 |
| Carroll, Mississippi | 6 | $ 980,000 | $ 163,333 | $ 82,000 |
| Hinds, Mississippi | 6 | $ 910,000 | $ 151,666 | $ 283,000 |
| Oktibbeha, Mississippi | 4 | $ 710,000 | $ 177,500 | $ 61,000 |
| Marshall, Mississippi | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Benton, Mississippi | 2 | $ 60,000 | $ 30,000 | $ 31,000 |
| Coahoma, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 78,000 |
| Rankin, Mississippi | 2 | $ 450,000 | $ 225,000 | $ 2,685,000 |
| Tallahatchie, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 93,000 |
| Tishomingo, Mississippi | 2 | $ 220,000 | $ 110,000 | $ 216,000 |
| Tuscaloosa, Alabama | 1 | $ 595,000 | $ 595,000 | $ 205,000 |
| Chicot, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 179,000 |
| Caddo, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 557,000 |
| Harrison, Mississippi | 1 | $ 435,000 | $ 435,000 | $ 220,000 |
| Lee, Mississippi | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Madison, Mississippi | 1 | $ 805,000 | $ 805,000 | $ 166,000 |
| Quitman, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Tunica, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Webster, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Yalobusha, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Yazoo, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Dyer, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Hamilton, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Harris, Texas | 1 | $ 255,000 | $ 255,000 | $ 792,000 |
| Montgomery, Texas | 1 | $ 285,000 | $ 285,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2019
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 | $17,390,000 | $114,000 | $595,000 | $151,000 | $5,300,000 |
| Refinancing | 137 | $16,815,000 | $122,000 | $1,095,000 | $117,000 | $1,123,000 |
| Home Improvement | 38 | $1,750,000 | $46,000 | $405,000 | $58,000 | $249,000 |
| Cash-out Refinancing | 15 | $3,275,000 | $218,000 | $435,000 | $112,000 | $428,000 |
| Other Purpose | 3 | $45,000 | $15,000 | $15,000 | $50,000 | $100,000 |
| 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 | 176 | $25,050,000 | $142,000 | $1,095,000 | $153,000 | $5,300,000 |
| Not applicable | 80 | $8,820,000 | $110,000 | $545,000 | $0 | $0 |
| Black or African American | 80 | $4,660,000 | $58,000 | $485,000 | $54,000 | $596,000 |
| Asian | 5 | $645,000 | $129,000 | $285,000 | $318,000 | $792,000 |
| Hispanic | 3 | $65,000 | $21,000 | $35,000 | $64,000 | $128,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $10,000 | $10,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 329 | $37,275,000 | $113,000 | $1,095,000 | $129,000 | $5,300,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,285,000 | $142,000 | $245,000 | $53,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $455,000 | $91,000 | $125,000 | $44,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $260,000 | $130,000 | $165,000 | $90,000 | $107,000 |
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 | 231 | $30,165,000 | $130,000 | $1,095,000 | $167,000 | $5,300,000 |
| Application Denied By Financial Institution | 72 | $4,950,000 | $68,000 | $425,000 | $47,000 | $200,000 |
| Application Withdrawn By Applicant | 34 | $3,320,000 | $97,000 | $355,000 | $71,000 | $185,000 |
| Application Approved But Not Accepted | 8 | $840,000 | $105,000 | $215,000 | $133,000 | $254,000 |
| 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 | 273 | $34,325,000 | $125,000 | $1,095,000 | $153,000 | $5,300,000 |
| Credit History | 41 | $2,365,000 | $57,000 | $375,000 | $43,000 | $200,000 |
| Debt-To-Income Ratio | 26 | $2,250,000 | $86,000 | $425,000 | $45,000 | $186,000 |
| Other | 2 | $150,000 | $75,000 | $75,000 | $113,000 | $146,000 |
| Collateral | 2 | $50,000 | $25,000 | $35,000 | $78,000 | $104,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2019 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