Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Guaranty Bank & Trust Company of Belzoni, MS reported 760 mortgage applications totaling $133.0 million, up 120% from 2019. The average application was for $175,039, and applicants reported an average income of $106,298. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Memphis, TN-MS-AR (328), Jackson, MS (20) and Crestview-Fort Walton Beach-Destin, FL (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 | 760 |
| Total Mortgage Loan Application Amount | $133,030,000 |
| Average Mortgage Loan Application Amount | $175,039 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $106,298 |
| Highest Applicant Income | $1,073,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| DeSoto, Mississippi | 168 | $ 40,230,000 | $ 239,464 | $ 106,000 |
| Shelby, Tennessee | 78 | $ 18,290,000 | $ 234,487 | $ 131,000 |
| Washington, Mississippi | 77 | $ 4,475,000 | $ 58,116 | $ 59,000 |
| Tate, Mississippi | 73 | $ 11,485,000 | $ 157,328 | $ 96,000 |
| Panola, Mississippi | 71 | $ 10,115,000 | $ 142,464 | $ 99,000 |
| Sunflower, Mississippi | 48 | $ 2,750,000 | $ 57,291 | $ 52,000 |
| Humphreys, Mississippi | 44 | $ 5,350,000 | $ 121,590 | $ 99,000 |
| Bolivar, Mississippi | 30 | $ 3,290,000 | $ 109,666 | $ 65,000 |
| Lafayette, Mississippi | 20 | $ 4,610,000 | $ 230,500 | $ 120,000 |
| Leflore, Mississippi | 20 | $ 7,620,000 | $ 381,000 | $ 129,000 |
| Warren, Mississippi | 15 | $ 1,915,000 | $ 127,666 | $ 141,000 |
| Carroll, Mississippi | 14 | $ 2,310,000 | $ 165,000 | $ 113,000 |
| Grenada, Mississippi | 12 | $ 1,770,000 | $ 147,500 | $ 101,000 |
| Hinds, Mississippi | 9 | $ 1,435,000 | $ 159,444 | $ 146,000 |
| Tallahatchie, Mississippi | 9 | $ 1,115,000 | $ 123,888 | $ 100,000 |
| Madison, Mississippi | 8 | $ 1,800,000 | $ 225,000 | $ 213,000 |
| Oktibbeha, Mississippi | 8 | $ 2,290,000 | $ 286,250 | $ 136,000 |
| Montgomery, Mississippi | 7 | $ 475,000 | $ 67,857 | $ 115,000 |
| Sharkey, Mississippi | 4 | $ 210,000 | $ 52,500 | $ 49,000 |
| Fayette, Tennessee | 4 | $ 1,070,000 | $ 267,500 | $ 367,000 |
| Coahoma, Mississippi | 3 | $ 815,000 | $ 271,666 | $ 247,000 |
| Baldwin, Alabama | 2 | $ 720,000 | $ 360,000 | $ 171,000 |
| Orleans, Louisiana | 2 | $ 1,020,000 | $ 510,000 | $ 903,000 |
| Jackson, Mississippi | 2 | $ 470,000 | $ 235,000 | $ 72,000 |
| Lowndes, Mississippi | 2 | $ 430,000 | $ 215,000 | $ 111,000 |
| Marshall, Mississippi | 2 | $ 700,000 | $ 350,000 | $ 85,000 |
| Rankin, Mississippi | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| Yalobusha, Mississippi | 2 | $ 410,000 | $ 205,000 | $ 123,000 |
| Tipton, Tennessee | 2 | $ 340,000 | $ 170,000 | $ 103,000 |
| Pickens, Alabama | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Chicot, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Cleburne, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Craighead, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 173,000 |
| Crittenden, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Garland, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 360,000 |
| Van Buren, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| White, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Ventura, California | 1 | $ 775,000 | $ 775,000 | $ 258,000 |
| Okaloosa, Florida | 1 | $ 615,000 | $ 615,000 | $ 109,000 |
| Pinellas, Florida | 1 | $ 315,000 | $ 315,000 | $ 504,000 |
| Walton, Florida | 1 | $ 255,000 | $ 255,000 | $ 160,000 |
| Teton, Idaho | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Benton, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 244,000 |
| Lamar, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Tishomingo, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 144,000 |
| Webster, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Yazoo, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| Davidson, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
| Hamilton, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Haywood, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Brazos, Texas | 1 | $ 335,000 | $ 335,000 | $ 452,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2020
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 | 324 | $49,550,000 | $152,000 | $865,000 | $101,000 | $903,000 |
| Refinancing | 311 | $64,885,000 | $208,000 | $3,205,000 | $114,000 | $828,000 |
| Cash-out Refinancing | 75 | $15,685,000 | $209,000 | $505,000 | $123,000 | $1,073,000 |
| Home Improvement | 42 | $2,290,000 | $54,000 | $195,000 | $68,000 | $233,000 |
| Other Purpose | 8 | $620,000 | $77,000 | $225,000 | $66,000 | $138,000 |
| 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 | 452 | $89,320,000 | $197,000 | $2,405,000 | $116,000 | $1,073,000 |
| Not applicable | 133 | $23,205,000 | $174,000 | $3,205,000 | $0 | $0 |
| Black or African American | 131 | $11,415,000 | $87,000 | $465,000 | $70,000 | $377,000 |
| Not Provided | 18 | $4,270,000 | $237,000 | $515,000 | $128,000 | $294,000 |
| Asian | 11 | $2,335,000 | $212,000 | $455,000 | $173,000 | $552,000 |
| Hispanic | 7 | $1,175,000 | $167,000 | $295,000 | $63,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $151,000 | $151,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $17,000 | $17,000 |
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) | 721 | $126,815,000 | $175,000 | $3,205,000 | $110,000 | $1,073,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,620,000 | $181,000 | $315,000 | $61,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,850,000 | $132,000 | $295,000 | $41,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 5 | $745,000 | $149,000 | $225,000 | $51,000 | $56,000 |
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 | 541 | $98,665,000 | $182,000 | $3,205,000 | $120,000 | $1,073,000 |
| Application Denied By Financial Institution | 122 | $14,290,000 | $117,000 | $675,000 | $67,000 | $552,000 |
| Application Withdrawn By Applicant | 91 | $18,845,000 | $207,000 | $2,405,000 | $98,000 | $452,000 |
| Application Approved But Not Accepted | 5 | $885,000 | $177,000 | $595,000 | $96,000 | $139,000 |
| File Closed For Incompleteness | 1 | $345,000 | $345,000 | $345,000 | $142,000 | $142,000 |
| 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 | 638 | $118,740,000 | $186,000 | $3,205,000 | $116,000 | $1,073,000 |
| Debt-To-Income Ratio | 59 | $8,035,000 | $136,000 | $675,000 | $53,000 | $235,000 |
| Credit History | 44 | $4,000,000 | $90,000 | $465,000 | $76,000 | $552,000 |
| Other | 7 | $1,145,000 | $163,000 | $225,000 | $77,000 | $168,000 |
| Credit Application Incomplete | 6 | $510,000 | $85,000 | $225,000 | $120,000 | $304,000 |
| Collateral | 4 | $440,000 | $110,000 | $315,000 | $77,000 | $108,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 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 2020 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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