Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Guaranty Bank & Trust Company of Belzoni, MS reported 609 mortgage applications totaling $200.1 million, down 23% from 2021. The average application was for $328,546, and applicants reported an average income of $152,610. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Memphis, TN-MS-AR (242), Jackson, MS (15) and Birmingham-Hoover, AL (4) (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 | 609 |
| Total Mortgage Loan Application Amount | $200,085,000 |
| Average Mortgage Loan Application Amount | $328,546 |
| Highest Mortgage Loan Application Amount | $17,985,000 |
| Average Applicant Income | $152,610 |
| Highest Applicant Income | $3,497,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Shelby, Tennessee | 97 | $ 26,705,000 | $ 275,309 | $ 268,000 |
| DeSoto, Mississippi | 93 | $ 41,105,000 | $ 441,989 | $ 117,000 |
| Washington, Mississippi | 59 | $ 5,515,000 | $ 93,474 | $ 88,000 |
| Tate, Mississippi | 40 | $ 11,640,000 | $ 291,000 | $ 102,000 |
| Panola, Mississippi | 38 | $ 6,680,000 | $ 175,789 | $ 109,000 |
| Sunflower, Mississippi | 30 | $ 2,070,000 | $ 69,000 | $ 72,000 |
| Grenada, Mississippi | 28 | $ 5,880,000 | $ 210,000 | $ 108,000 |
| Warren, Mississippi | 27 | $ 10,805,000 | $ 400,185 | $ 137,000 |
| Bolivar, Mississippi | 25 | $ 7,755,000 | $ 310,200 | $ 157,000 |
| Humphreys, Mississippi | 17 | $ 765,000 | $ 45,000 | $ 42,000 |
| Lafayette, Mississippi | 17 | $ 10,795,000 | $ 635,000 | $ 148,000 |
| Leflore, Mississippi | 14 | $ 2,300,000 | $ 164,285 | $ 167,000 |
| Oktibbeha, Mississippi | 12 | $ 4,080,000 | $ 340,000 | $ 205,000 |
| Calhoun, Mississippi | 10 | $ 1,410,000 | $ 141,000 | $ 129,000 |
| Marshall, Mississippi | 8 | $ 1,850,000 | $ 231,250 | $ 101,000 |
| Madison, Mississippi | 7 | $ 4,025,000 | $ 575,000 | $ 336,000 |
| Carroll, Mississippi | 6 | $ 1,000,000 | $ 166,666 | $ 105,000 |
| Hinds, Mississippi | 6 | $ 16,320,000 | $ 2,720,000 | $ 378,000 |
| Coahoma, Mississippi | 4 | $ 1,350,000 | $ 337,500 | $ 417,000 |
| Forrest, Mississippi | 4 | $ 4,440,000 | $ 1,110,000 | $ 0 |
| Yalobusha, Mississippi | 4 | $ 500,000 | $ 125,000 | $ 71,000 |
| Jefferson, Alabama | 3 | $ 3,175,000 | $ 1,058,333 | $ 100,000 |
| Chicot, Arkansas | 3 | $ 335,000 | $ 111,666 | $ 85,000 |
| Tallahatchie, Mississippi | 3 | $ 175,000 | $ 58,333 | $ 94,000 |
| Lee, Florida | 2 | $ 550,000 | $ 275,000 | $ 149,000 |
| Walton, Florida | 2 | $ 2,690,000 | $ 1,345,000 | $ 11,000 |
| Orleans, Louisiana | 2 | $ 870,000 | $ 435,000 | $ 100,000 |
| Adams, Mississippi | 2 | $ 2,600,000 | $ 1,300,000 | $ 0 |
| Attala, Mississippi | 2 | $ 120,000 | $ 60,000 | $ 81,000 |
| Chickasaw, Mississippi | 2 | $ 490,000 | $ 245,000 | $ 97,000 |
| Hancock, Mississippi | 2 | $ 1,210,000 | $ 605,000 | $ 0 |
| Montgomery, Mississippi | 2 | $ 580,000 | $ 290,000 | $ 183,000 |
| Fayette, Tennessee | 2 | $ 560,000 | $ 280,000 | $ 114,000 |
| Hardin, Tennessee | 2 | $ 440,000 | $ 220,000 | $ 186,000 |
| Baldwin, Alabama | 1 | $ 295,000 | $ 295,000 | $ 1,773,000 |
| Coosa, Alabama | 1 | $ 545,000 | $ 545,000 | $ 331,000 |
| Jackson, Alabama | 1 | $ 835,000 | $ 835,000 | $ 446,000 |
| Madison, Alabama | 1 | $ 335,000 | $ 335,000 | $ 85,000 |
| Mobile, Alabama | 1 | $ 235,000 | $ 235,000 | $ 1,773,000 |
| Shelby, Alabama | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Tuscaloosa, Alabama | 1 | $ 3,225,000 | $ 3,225,000 | $ 3,497,000 |
| Crittenden, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 525,000 |
| Garland, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Saline, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 159,000 |
| Pitkin, Colorado | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Escambia, Florida | 1 | $ 1,315,000 | $ 1,315,000 | $ 0 |
| Alcorn, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clay, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 138,000 |
| Holmes, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 198,000 |
| Jackson, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Lincoln, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 374,000 |
| Lowndes, Mississippi | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Pontotoc, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Quitman, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Union, Mississippi | 1 | $ 1,485,000 | $ 1,485,000 | $ 2,821,000 |
| Yazoo, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 4,605,000 | $ 4,605,000 | $ 0 |
| Chester, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 253,000 |
| Crockett, Tennessee | 1 | $ 475,000 | $ 475,000 | $ 126,000 |
| Hamilton, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Sevier, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 266,000 |
| Tipton, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dallas, Texas | 1 | $ 575,000 | $ 575,000 | $ 135,000 |
| Harris, Texas | 1 | $ 585,000 | $ 585,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2022
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 | 368 | $115,400,000 | $313,000 | $17,985,000 | $162,000 | $3,497,000 |
| Refinancing | 165 | $68,435,000 | $414,000 | $10,845,000 | $162,000 | $1,773,000 |
| Cash-out Refinancing | 35 | $7,745,000 | $221,000 | $605,000 | $96,000 | $412,000 |
| Home Improvement | 27 | $7,875,000 | $291,000 | $6,035,000 | $84,000 | $243,000 |
| Other Purpose | 14 | $630,000 | $45,000 | $225,000 | $69,000 | $147,000 |
| 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 | 303 | $72,605,000 | $239,000 | $3,225,000 | $155,000 | $3,497,000 |
| Not applicable | 181 | $103,545,000 | $572,000 | $17,985,000 | $0 | $0 |
| Black or African American | 82 | $8,080,000 | $98,000 | $615,000 | $72,000 | $329,000 |
| Not Provided | 25 | $9,825,000 | $393,000 | $1,485,000 | $324,000 | $2,821,000 |
| Asian | 11 | $4,165,000 | $378,000 | $1,245,000 | $204,000 | $376,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $205,000 | $51,000 | $62,000 |
| Hispanic | 2 | $170,000 | $85,000 | $125,000 | $219,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $655,000 | $655,000 | $655,000 | $99,000 | $99,000 |
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) | 574 | $192,980,000 | $336,000 | $17,985,000 | $158,000 | $3,497,000 |
| FHA-insured (Federal Housing Administration) | 24 | $4,990,000 | $207,000 | $355,000 | $67,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,385,000 | $153,000 | $255,000 | $61,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 2 | $730,000 | $365,000 | $465,000 | $107,000 | $115,000 |
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 | 443 | $158,795,000 | $358,000 | $17,985,000 | $167,000 | $3,497,000 |
| Application Denied By Financial Institution | 76 | $11,810,000 | $155,000 | $825,000 | $80,000 | $697,000 |
| Application Withdrawn By Applicant | 72 | $18,500,000 | $256,000 | $1,485,000 | $151,000 | $2,821,000 |
| Application Approved But Not Accepted | 18 | $10,980,000 | $610,000 | $5,615,000 | $166,000 | $673,000 |
| 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 | 533 | $188,275,000 | $353,000 | $17,985,000 | $164,000 | $3,497,000 |
| Credit History | 29 | $2,915,000 | $100,000 | $325,000 | $65,000 | $200,000 |
| Debt-To-Income Ratio | 23 | $5,065,000 | $220,000 | $825,000 | $82,000 | $697,000 |
| Credit Application Incomplete | 13 | $2,445,000 | $188,000 | $615,000 | $104,000 | $329,000 |
| Collateral | 5 | $455,000 | $91,000 | $145,000 | $70,000 | $168,000 |
| Unverifiable Information | 3 | $455,000 | $151,000 | $305,000 | $93,000 | $143,000 |
| Other | 2 | $400,000 | $200,000 | $205,000 | $119,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $52,000 | $52,000 |
| 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 2022 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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