Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, Guaranty Bank & Trust Company of Belzoni, MS reported 1,037 mortgage applications totaling $261.0 million, up 64% from 2023. The average application was for $251,644, and applicants reported an average income of $112,146. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Memphis, TN-MS-AR (197), Jackson, MS (42) and Gulfport-Biloxi-Pascagoula, MS (5) (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 | 1,037 |
| Total Mortgage Loan Application Amount | $260,955,000 |
| Average Mortgage Loan Application Amount | $251,644 |
| Highest Mortgage Loan Application Amount | $15,935,000 |
| Average Applicant Income | $112,146 |
| Highest Applicant Income | $1,600,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 106 | $ 11,830,000 | $ 111,603 | $ 84,000 |
| Tishomingo, Mississippi | 92 | $ 12,270,000 | $ 133,369 | $ 82,000 |
| DeSoto, Mississippi | 80 | $ 20,440,000 | $ 255,500 | $ 151,000 |
| Lee, Mississippi | 71 | $ 20,365,000 | $ 286,830 | $ 129,000 |
| Shelby, Tennessee | 63 | $ 29,925,000 | $ 475,000 | $ 213,000 |
| Panola, Mississippi | 53 | $ 7,525,000 | $ 141,981 | $ 117,000 |
| Itawamba, Mississippi | 49 | $ 7,425,000 | $ 151,530 | $ 77,000 |
| Lafayette, Mississippi | 47 | $ 31,605,000 | $ 672,446 | $ 212,000 |
| Grenada, Mississippi | 45 | $ 5,965,000 | $ 132,555 | $ 87,000 |
| Tate, Mississippi | 45 | $ 10,845,000 | $ 241,000 | $ 118,000 |
| Humphreys, Mississippi | 39 | $ 3,845,000 | $ 98,589 | $ 66,000 |
| Prentiss, Mississippi | 32 | $ 2,880,000 | $ 90,000 | $ 70,000 |
| Alcorn, Mississippi | 27 | $ 3,335,000 | $ 123,518 | $ 90,000 |
| Bolivar, Mississippi | 26 | $ 3,190,000 | $ 122,692 | $ 97,000 |
| Sunflower, Mississippi | 24 | $ 2,020,000 | $ 84,166 | $ 65,000 |
| Leflore, Mississippi | 22 | $ 2,700,000 | $ 122,727 | $ 60,000 |
| Hinds, Mississippi | 16 | $ 2,940,000 | $ 183,750 | $ 83,000 |
| Warren, Mississippi | 15 | $ 8,265,000 | $ 551,000 | $ 100,000 |
| Monroe, Mississippi | 14 | $ 1,930,000 | $ 137,857 | $ 87,000 |
| Calhoun, Mississippi | 13 | $ 1,685,000 | $ 129,615 | $ 83,000 |
| Oktibbeha, Mississippi | 12 | $ 3,150,000 | $ 262,500 | $ 342,000 |
| Carroll, Mississippi | 10 | $ 1,730,000 | $ 173,000 | $ 99,000 |
| Madison, Mississippi | 10 | $ 3,370,000 | $ 337,000 | $ 310,000 |
| Union, Mississippi | 10 | $ 1,610,000 | $ 161,000 | $ 82,000 |
| Yalobusha, Mississippi | 10 | $ 1,990,000 | $ 199,000 | $ 92,000 |
| Montgomery, Mississippi | 9 | $ 755,000 | $ 83,888 | $ 69,000 |
| Yazoo, Mississippi | 7 | $ 1,145,000 | $ 163,571 | $ 76,000 |
| Chickasaw, Mississippi | 6 | $ 1,180,000 | $ 196,666 | $ 123,000 |
| Lowndes, Mississippi | 6 | $ 1,420,000 | $ 236,666 | $ 158,000 |
| Pontotoc, Mississippi | 6 | $ 1,520,000 | $ 253,333 | $ 151,000 |
| Marshall, Mississippi | 5 | $ 955,000 | $ 191,000 | $ 71,000 |
| Rankin, Mississippi | 5 | $ 945,000 | $ 189,000 | $ 70,000 |
| Palm Beach, Florida | 4 | $ 16,950,000 | $ 4,237,500 | $ 221,000 |
| Simpson, Mississippi | 4 | $ 520,000 | $ 130,000 | $ 550,000 |
| Tallahatchie, Mississippi | 4 | $ 470,000 | $ 117,500 | $ 48,000 |
| Tippah, Mississippi | 4 | $ 690,000 | $ 172,500 | $ 55,000 |
| Walton, Florida | 3 | $ 4,665,000 | $ 1,555,000 | $ 820,000 |
| Coahoma, Mississippi | 3 | $ 325,000 | $ 108,333 | $ 272,000 |
| Jackson, Mississippi | 3 | $ 5,065,000 | $ 1,688,333 | $ 86,000 |
| Crittenden, Arkansas | 2 | $ 200,000 | $ 100,000 | $ 45,000 |
| Harrison, Mississippi | 2 | $ 4,180,000 | $ 2,090,000 | $ 109,000 |
| Neshoba, Mississippi | 2 | $ 110,000 | $ 55,000 | $ 129,000 |
| Sharkey, Mississippi | 2 | $ 10,000 | $ 5,000 | $ 10,000 |
| Colbert, Alabama | 1 | $ 345,000 | $ 345,000 | $ 230,000 |
| Jefferson, Alabama | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Marion, Alabama | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Chicot, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 278,000 |
| Garland, Arkansas | 1 | $ 805,000 | $ 805,000 | $ 453,000 |
| White, Arkansas | 1 | $ 315,000 | $ 315,000 | $ 224,000 |
| Los Angeles, California | 1 | $ 2,405,000 | $ 2,405,000 | $ 554,000 |
| Orange, Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Bossier, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 306,000 |
| Lincoln, Louisiana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Attala, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Choctaw, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Lamar, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Lauderdale, Mississippi | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Newton, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Pike, Mississippi | 1 | $ 1,435,000 | $ 1,435,000 | $ 0 |
| Smith, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Webster, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Ripley, Missouri | 1 | $ 1,045,000 | $ 1,045,000 | $ 1,066,000 |
| Lewis and Clark, Montana | 1 | $ 135,000 | $ 135,000 | $ 206,000 |
| Macon, North Carolina | 1 | $ 4,765,000 | $ 4,765,000 | $ 0 |
| Fayette, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Hardeman, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Hardin, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Maury, Tennessee | 1 | $ 845,000 | $ 845,000 | $ 201,000 |
| McNairy, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Tipton, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Wayne, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Collin, Texas | 1 | $ 715,000 | $ 715,000 | $ 273,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2024
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 | 732 | $188,540,000 | $257,000 | $15,935,000 | $118,000 | $1,600,000 |
| Refinancing | 197 | $48,805,000 | $247,000 | $6,055,000 | $103,000 | $1,246,000 |
| Home Improvement | 73 | $17,335,000 | $237,000 | $4,695,000 | $73,000 | $257,000 |
| Cash-out Refinancing | 20 | $4,280,000 | $214,000 | $395,000 | $92,000 | $170,000 |
| Other Purpose | 15 | $1,995,000 | $133,000 | $605,000 | $164,000 | $690,000 |
| 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 | 609 | $117,615,000 | $193,000 | $2,405,000 | $126,000 | $1,600,000 |
| Black or African American | 197 | $20,705,000 | $105,000 | $585,000 | $63,000 | $366,000 |
| Not applicable | 170 | $106,630,000 | $627,000 | $15,935,000 | $0 | $0 |
| Hispanic | 22 | $3,910,000 | $177,000 | $605,000 | $107,000 | $560,000 |
| Not Provided | 21 | $4,675,000 | $222,000 | $565,000 | $102,000 | $293,000 |
| Asian | 15 | $7,085,000 | $472,000 | $1,205,000 | $242,000 | $1,066,000 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $205,000 | $71,000 | $84,000 |
| 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) | 902 | $234,050,000 | $259,000 | $15,935,000 | $118,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 102 | $20,040,000 | $196,000 | $485,000 | $76,000 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $3,260,000 | $148,000 | $245,000 | $71,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,605,000 | $327,000 | $845,000 | $122,000 | $224,000 |
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 | 736 | $198,840,000 | $270,000 | $15,935,000 | $121,000 | $1,600,000 |
| Application Denied By Financial Institution | 169 | $29,095,000 | $172,000 | $4,655,000 | $78,000 | $1,066,000 |
| Application Withdrawn By Applicant | 128 | $27,630,000 | $215,000 | $2,715,000 | $121,000 | $1,600,000 |
| Application Approved But Not Accepted | 4 | $5,390,000 | $1,347,000 | $4,655,000 | $86,000 | $127,000 |
| 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 | 868 | $231,860,000 | $267,000 | $15,935,000 | $121,000 | $1,600,000 |
| Debt-To-Income Ratio | 57 | $14,365,000 | $252,000 | $4,655,000 | $62,000 | $270,000 |
| Credit History | 48 | $3,990,000 | $83,000 | $365,000 | $71,000 | $637,000 |
| Credit Application Incomplete | 40 | $7,120,000 | $178,000 | $2,405,000 | $110,000 | $1,066,000 |
| Other | 13 | $2,355,000 | $181,000 | $565,000 | $90,000 | $224,000 |
| Collateral | 4 | $390,000 | $97,000 | $255,000 | $66,000 | $102,000 |
| Employment History | 4 | $420,000 | $105,000 | $165,000 | $35,000 | $43,000 |
| Unverifiable Information | 3 | $455,000 | $151,000 | $235,000 | $66,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2024 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
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