Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Guaranty Bank & Trust Company of Belzoni, MS reported 345 mortgage applications totaling $39.3 million, up 6% from 2018. The average application was for $113,840, and applicants reported an average income of $124,681. 67% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Memphis, TN-MS-AR (70), Jackson, MS (10) and Houston-The Woodlands-Sugar Land, TX (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 | 345 |
| Total Mortgage Loan Application Amount | $39,275,000 |
| Average Mortgage Loan Application Amount | $113,840 |
| Highest Mortgage Loan Application Amount | $1,095,000 |
| Average Applicant Income | $124,681 |
| Highest Applicant Income | $5,300,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 259 | $ 24,565,000 | $ 94,845 | $ 97,347 |
| Memphis, TN-MS-AR | 70 | $ 10,600,000 | $ 151,428 | $ 96,571 |
| Jackson, MS | 10 | $ 2,280,000 | $ 228,000 | $ 924,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 540,000 | $ 270,000 | $ 489,000 |
| Chattanooga, TN-GA | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 435,000 | $ 435,000 | $ 220,000 |
| Shreveport-Bossier City, LA | 1 | $ 185,000 | $ 185,000 | $ 557,000 |
| Tuscaloosa, AL | 1 | $ 595,000 | $ 595,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2019
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 | 152 | $17,390,000 | $114,000 | $595,000 | $151,000 | $5,300,000 |
| Refinancing | 137 | $16,815,000 | $122,000 | $1,095,000 | $117,000 | $1,123,000 |
| Home Improvement | 38 | $1,750,000 | $46,000 | $405,000 | $58,000 | $249,000 |
| Cash-out Refinancing | 15 | $3,275,000 | $218,000 | $435,000 | $112,000 | $428,000 |
| Other Purpose | 3 | $45,000 | $15,000 | $15,000 | $50,000 | $100,000 |
| 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 | 176 | $25,050,000 | $142,000 | $1,095,000 | $153,000 | $5,300,000 |
| Not applicable | 80 | $8,820,000 | $110,000 | $545,000 | $0 | $0 |
| Black or African American | 80 | $4,660,000 | $58,000 | $485,000 | $54,000 | $596,000 |
| Asian | 5 | $645,000 | $129,000 | $285,000 | $318,000 | $792,000 |
| Hispanic | 3 | $65,000 | $21,000 | $35,000 | $64,000 | $128,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $10,000 | $10,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 329 | $37,275,000 | $113,000 | $1,095,000 | $129,000 | $5,300,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,285,000 | $142,000 | $245,000 | $53,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $455,000 | $91,000 | $125,000 | $44,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $260,000 | $130,000 | $165,000 | $90,000 | $107,000 |
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 | 231 | $30,165,000 | $130,000 | $1,095,000 | $167,000 | $5,300,000 |
| Application Denied By Financial Institution | 72 | $4,950,000 | $68,000 | $425,000 | $47,000 | $200,000 |
| Application Withdrawn By Applicant | 34 | $3,320,000 | $97,000 | $355,000 | $71,000 | $185,000 |
| Application Approved But Not Accepted | 8 | $840,000 | $105,000 | $215,000 | $133,000 | $254,000 |
| 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 | 273 | $34,325,000 | $125,000 | $1,095,000 | $153,000 | $5,300,000 |
| Credit History | 41 | $2,365,000 | $57,000 | $375,000 | $43,000 | $200,000 |
| Debt-To-Income Ratio | 26 | $2,250,000 | $86,000 | $425,000 | $45,000 | $186,000 |
| Other | 2 | $150,000 | $75,000 | $75,000 | $113,000 | $146,000 |
| Collateral | 2 | $50,000 | $25,000 | $35,000 | $78,000 | $104,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2019 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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