Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Guaranty Bank & Trust Company of Belzoni, MS reported 786 mortgage applications totaling $189.1 million, up 3% from 2020. The average application was for $240,534, and applicants reported an average income of $120,141. 76% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Memphis, TN-MS-AR (382), Jackson, MS (18) and Daphne-Fairhope-Foley, AL (8) (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 | 786 |
| Total Mortgage Loan Application Amount | $189,060,000 |
| Average Mortgage Loan Application Amount | $240,534 |
| Highest Mortgage Loan Application Amount | $8,615,000 |
| Average Applicant Income | $120,141 |
| Highest Applicant Income | $1,092,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 163 | $ 43,835,000 | $ 268,926 | $ 119,000 |
| Shelby, Tennessee | 131 | $ 35,745,000 | $ 272,862 | $ 163,000 |
| Tate, Mississippi | 68 | $ 12,920,000 | $ 190,000 | $ 87,000 |
| Panola, Mississippi | 65 | $ 11,035,000 | $ 169,769 | $ 113,000 |
| Washington, Mississippi | 65 | $ 6,915,000 | $ 106,384 | $ 99,000 |
| Warren, Mississippi | 32 | $ 6,760,000 | $ 211,250 | $ 145,000 |
| Humphreys, Mississippi | 29 | $ 1,785,000 | $ 61,551 | $ 56,000 |
| Bolivar, Mississippi | 23 | $ 4,105,000 | $ 178,478 | $ 57,000 |
| Sunflower, Mississippi | 22 | $ 2,170,000 | $ 98,636 | $ 111,000 |
| Grenada, Mississippi | 21 | $ 5,025,000 | $ 239,285 | $ 128,000 |
| Leflore, Mississippi | 19 | $ 8,055,000 | $ 423,947 | $ 113,000 |
| Oktibbeha, Mississippi | 16 | $ 6,140,000 | $ 383,750 | $ 275,000 |
| Lafayette, Mississippi | 13 | $ 11,135,000 | $ 856,538 | $ 110,000 |
| Carroll, Mississippi | 10 | $ 1,340,000 | $ 134,000 | $ 98,000 |
| Madison, Mississippi | 10 | $ 2,920,000 | $ 292,000 | $ 173,000 |
| Marshall, Mississippi | 9 | $ 1,485,000 | $ 165,000 | $ 70,000 |
| Baldwin, Alabama | 8 | $ 2,610,000 | $ 326,250 | $ 267,000 |
| Calhoun, Mississippi | 7 | $ 515,000 | $ 73,571 | $ 66,000 |
| Fayette, Tennessee | 7 | $ 2,375,000 | $ 339,285 | $ 106,000 |
| Hinds, Mississippi | 5 | $ 1,405,000 | $ 281,000 | $ 105,000 |
| Yalobusha, Mississippi | 5 | $ 565,000 | $ 113,000 | $ 60,000 |
| Chicot, Arkansas | 4 | $ 720,000 | $ 180,000 | $ 330,000 |
| Walton, Florida | 3 | $ 3,335,000 | $ 1,111,666 | $ 451,000 |
| Montgomery, Mississippi | 3 | $ 285,000 | $ 95,000 | $ 99,000 |
| Tipton, Tennessee | 3 | $ 175,000 | $ 58,333 | $ 20,000 |
| Coahoma, Mississippi | 2 | $ 150,000 | $ 75,000 | $ 33,000 |
| Quitman, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 30,000 |
| Sharkey, Mississippi | 2 | $ 110,000 | $ 55,000 | $ 115,000 |
| Tallahatchie, Mississippi | 2 | $ 270,000 | $ 135,000 | $ 82,000 |
| Colbert, Alabama | 1 | $ 545,000 | $ 545,000 | $ 928,000 |
| Cullman, Alabama | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| DeKalb, Alabama | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Tuscaloosa, Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cleburne, Arkansas | 1 | $ 965,000 | $ 965,000 | $ 442,000 |
| Crittenden, Arkansas | 1 | $ 375,000 | $ 375,000 | $ 755,000 |
| Garland, Arkansas | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Monroe, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Van Buren, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Los Angeles, California | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Santa Barbara, California | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Ventura, California | 1 | $ 715,000 | $ 715,000 | $ 210,000 |
| Bay, Florida | 1 | $ 285,000 | $ 285,000 | $ 304,000 |
| Escambia, Florida | 1 | $ 325,000 | $ 325,000 | $ 270,000 |
| Okaloosa, Florida | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Sarasota, Florida | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| DeKalb, Georgia | 1 | $ 545,000 | $ 545,000 | $ 349,000 |
| Forsyth, Georgia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Fulton, Georgia | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Bossier, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 639,000 |
| Choctaw, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Claiborne, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Holmes, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Itawamba, Mississippi | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Jackson, Mississippi | 1 | $ 435,000 | $ 435,000 | $ 224,000 |
| Lee, Mississippi | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Rankin, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Tishomingo, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 214,000 |
| Winston, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 24,000 |
| Yazoo, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Jackson, North Carolina | 1 | $ 3,515,000 | $ 3,515,000 | $ 0 |
| Orange, North Carolina | 1 | $ 445,000 | $ 445,000 | $ 128,000 |
| Kent, Rhode Island | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Carroll, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 307,000 |
| Hamilton, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Hardin, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 230,000 |
| Rutherford, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2021
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 | 407 | $90,375,000 | $222,000 | $5,765,000 | $116,000 | $995,000 |
| Refinancing | 251 | $75,465,000 | $300,000 | $8,615,000 | $126,000 | $1,092,000 |
| Cash-out Refinancing | 92 | $21,010,000 | $228,000 | $545,000 | $143,000 | $928,000 |
| Home Improvement | 31 | $1,935,000 | $62,000 | $275,000 | $67,000 | $367,000 |
| Other Purpose | 5 | $275,000 | $55,000 | $105,000 | $72,000 | $115,000 |
| 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 | 453 | $98,465,000 | $217,000 | $3,165,000 | $128,000 | $1,092,000 |
| Not applicable | 182 | $68,160,000 | $374,000 | $8,615,000 | $0 | $0 |
| Black or African American | 96 | $10,330,000 | $107,000 | $725,000 | $67,000 | $349,000 |
| Not Provided | 32 | $7,210,000 | $225,000 | $545,000 | $158,000 | $969,000 |
| Asian | 8 | $1,900,000 | $237,000 | $445,000 | $282,000 | $995,000 |
| Hispanic | 6 | $820,000 | $136,000 | $335,000 | $63,000 | $130,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $292,000 | $292,000 |
| 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) | 757 | $184,405,000 | $243,000 | $8,615,000 | $124,000 | $1,092,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,125,000 | $163,000 | $275,000 | $64,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $940,000 | $117,000 | $195,000 | $46,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,590,000 | $198,000 | $415,000 | $92,000 | $168,000 |
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 | 596 | $146,470,000 | $245,000 | $8,615,000 | $132,000 | $1,092,000 |
| Application Withdrawn By Applicant | 98 | $27,480,000 | $280,000 | $5,765,000 | $120,000 | $509,000 |
| Application Denied By Financial Institution | 92 | $15,110,000 | $164,000 | $3,165,000 | $72,000 | $442,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 694 | $173,950,000 | $250,000 | $8,615,000 | $130,000 | $1,092,000 |
| Credit History | 35 | $5,505,000 | $157,000 | $3,165,000 | $54,000 | $150,000 |
| Debt-To-Income Ratio | 34 | $6,180,000 | $181,000 | $965,000 | $82,000 | $442,000 |
| Credit Application Incomplete | 8 | $1,190,000 | $148,000 | $395,000 | $73,000 | $122,000 |
| Collateral | 6 | $940,000 | $156,000 | $335,000 | $107,000 | $303,000 |
| Other | 4 | $500,000 | $125,000 | $305,000 | $101,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $495,000 | $165,000 | $255,000 | $89,000 | $102,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $22,000 | $22,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2021 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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