Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, Guaranty Bank & Trust Company of Belzoni, MS reported 632 mortgage applications totaling $185.3 million, up 4% from 2022. The average application was for $293,212, and applicants reported an average income of $118,243. 61% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Memphis, TN-MS-AR (165), Jackson, MS (34) and New Orleans-Metairie, LA (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 | 632 |
| Total Mortgage Loan Application Amount | $185,310,000 |
| Average Mortgage Loan Application Amount | $293,212 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $118,243 |
| Highest Applicant Income | $1,039,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 413 | $ 84,995,000 | $ 205,799 | $ 97,046 |
| Memphis, TN-MS-AR | 165 | $ 68,635,000 | $ 415,969 | $ 164,175 |
| Jackson, MS | 34 | $ 9,880,000 | $ 290,588 | $ 102,000 |
| New Orleans-Metairie, LA | 4 | $ 1,210,000 | $ 302,500 | $ 156,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Hattiesburg, MS | 2 | $ 360,000 | $ 180,000 | $ 350,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 9,280,000 | $ 4,640,000 | $ 480,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 305,000 | $ 305,000 | $ 260,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Jonesboro, AR | 1 | $ 685,000 | $ 685,000 | $ 285,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 95,000 | $ 95,000 | $ 223,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 7,005,000 | $ 7,005,000 | $ 430,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 295,000 | $ 295,000 | $ 967,000 |
| Springfield, MO | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Tuscaloosa, AL | 1 | $ 625,000 | $ 625,000 | $ 457,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2023
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 | 447 | $126,445,000 | $282,000 | $9,035,000 | $119,000 | $1,039,000 |
| Refinancing | 136 | $37,180,000 | $273,000 | $4,345,000 | $126,000 | $864,000 |
| Home Improvement | 26 | $18,390,000 | $707,000 | $15,005,000 | $76,000 | $182,000 |
| Cash-out Refinancing | 14 | $2,480,000 | $177,000 | $485,000 | $98,000 | $223,000 |
| Other Purpose | 9 | $815,000 | $90,000 | $625,000 | $117,000 | $457,000 |
| 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 | 310 | $66,980,000 | $216,000 | $775,000 | $135,000 | $1,039,000 |
| Black or African American | 149 | $13,725,000 | $92,000 | $405,000 | $59,000 | $472,000 |
| Not applicable | 115 | $79,435,000 | $690,000 | $15,005,000 | $0 | $0 |
| Not Provided | 32 | $7,180,000 | $224,000 | $565,000 | $142,000 | $525,000 |
| Asian | 11 | $15,245,000 | $1,385,000 | $7,005,000 | $396,000 | $967,000 |
| Hispanic | 5 | $1,585,000 | $317,000 | $1,005,000 | $97,000 | $163,000 |
| American Indian or Alaskan Native | 2 | $290,000 | $145,000 | $205,000 | $34,000 | $49,000 |
| 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) | 573 | $175,065,000 | $305,000 | $15,005,000 | $125,000 | $1,039,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,860,000 | $201,000 | $455,000 | $84,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,620,000 | $101,000 | $175,000 | $52,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,765,000 | $196,000 | $345,000 | $66,000 | $125,000 |
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 | 387 | $122,125,000 | $315,000 | $15,005,000 | $141,000 | $1,039,000 |
| Application Denied By Financial Institution | 148 | $21,130,000 | $142,000 | $1,565,000 | $65,000 | $335,000 |
| Application Withdrawn By Applicant | 96 | $40,920,000 | $426,000 | $7,505,000 | $139,000 | $967,000 |
| Application Approved But Not Accepted | 1 | $1,135,000 | $1,135,000 | $1,135,000 | $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 | 484 | $164,180,000 | $339,000 | $15,005,000 | $140,000 | $1,039,000 |
| Debt-To-Income Ratio | 55 | $7,945,000 | $144,000 | $535,000 | $49,000 | $214,000 |
| Credit History | 41 | $3,855,000 | $94,000 | $305,000 | $55,000 | $147,000 |
| Credit Application Incomplete | 28 | $4,720,000 | $168,000 | $1,565,000 | $85,000 | $320,000 |
| Other | 12 | $3,480,000 | $290,000 | $705,000 | $106,000 | $199,000 |
| Collateral | 8 | $760,000 | $95,000 | $385,000 | $93,000 | $335,000 |
| Employment History | 4 | $370,000 | $92,000 | $135,000 | $64,000 | $78,000 |
| 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 2023 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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