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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 776 | $ 152,110,000 | $ 196,018 | $ 96,361 |
| Memphis, TN-MS-AR | 197 | $ 62,455,000 | $ 317,030 | $ 156,852 |
| Jackson, MS | 42 | $ 8,920,000 | $ 212,380 | $ 161,000 |
| Gulfport-Biloxi-Pascagoula, MS | 5 | $ 9,245,000 | $ 1,849,000 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 16,950,000 | $ 4,237,500 | $ 221,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 4,665,000 | $ 1,555,000 | $ 820,000 |
| Birmingham-Hoover, AL | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Dallas-Plano-Irving, TX | 1 | $ 715,000 | $ 715,000 | $ 273,000 |
| Florence-Muscle Shoals, AL | 1 | $ 345,000 | $ 345,000 | $ 230,000 |
| Hattiesburg, MS | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Helena, MT | 1 | $ 135,000 | $ 135,000 | $ 206,000 |
| Hot Springs, AR | 1 | $ 805,000 | $ 805,000 | $ 453,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 2,405,000 | $ 2,405,000 | $ 554,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 845,000 | $ 845,000 | $ 201,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 65,000 | $ 65,000 | $ 306,000 |
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
with aggregated HMDA statistics today.
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