Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Guaranty Bank & Trust Company of Belzoni, MS reported 389 mortgage applications totaling $26.4 million, down 32% from 2009. The average application was for $67,976, and applicants reported an average income of $78,951. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Memphis, TN-MS-AR (36), Jackson, MS (7) and Hattiesburg, MS (1) (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 | 389 |
| Total Mortgage Loan Application Amount | $26,443,000 |
| Average Mortgage Loan Application Amount | $67,976 |
| Highest Mortgage Loan Application Amount | $1,825,000 |
| Average Applicant Income | $78,951 |
| Highest Applicant Income | $2,067,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 36 | $ 3,450,000 | $ 95,833 | $ 126,166 |
| Jackson, MS | 7 | $ 1,758,000 | $ 251,142 | $ 118,000 |
| Hattiesburg, MS | 1 | $ 23,000 | $ 23,000 | $ 48,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 6,000 | $ 6,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 183 | $17,447,000 | $95,000 | $1,825,000 | $96,000 | $2,067,000 |
| Home Purchase | 108 | $6,713,000 | $62,000 | $450,000 | $60,000 | $299,000 |
| Home Improvement | 98 | $2,283,000 | $23,000 | $304,000 | $68,000 | $681,000 |
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 | 221 | $15,614,000 | $70,000 | $460,000 | $106,000 | $2,067,000 |
| Black or African American | 126 | $3,146,000 | $24,000 | $138,000 | $47,000 | $681,000 |
| Not applicable | 36 | $5,900,000 | $163,000 | $1,825,000 | $18,000 | $299,000 |
| Hispanic | 3 | $634,000 | $211,000 | $317,000 | $99,000 | $212,000 |
| Asian | 3 | $1,149,000 | $383,000 | $507,000 | $156,000 | $192,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 389 | $26,443,000 | $67,000 | $1,825,000 | $79,000 | $2,067,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 304 | $21,960,000 | $72,000 | $1,825,000 | $90,000 | $2,067,000 |
| Application Denied By Financial Institution | 54 | $1,784,000 | $33,000 | $450,000 | $27,000 | $113,000 |
| Application Approved But Not Accepted | 17 | $1,075,000 | $63,000 | $275,000 | $61,000 | $172,000 |
| Application Withdrawn By Applicant | 13 | $1,598,000 | $122,000 | $504,000 | $65,000 | $270,000 |
| File Closed For Incompleteness | 1 | $26,000 | $26,000 | $26,000 | $37,000 | $37,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $666,000 | $20,000 | $98,000 | $26,000 | $113,000 |
| Debt-To-Income Ratio | 15 | $549,000 | $36,000 | $138,000 | $29,000 | $108,000 |
| Collateral | 2 | $38,000 | $19,000 | $32,000 | $26,000 | $36,000 |
| Credit Application Incomplete | 2 | $65,000 | $32,000 | $50,000 | $31,000 | $47,000 |
| Other | 1 | $450,000 | $450,000 | $450,000 | $0 | $0 |
| Employment History | 1 | $16,000 | $16,000 | $16,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2010 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.
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