Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Guaranty Bank & Trust Company of Belzoni, MS reported 544 mortgage applications totaling $40.6 million. The average application was for $74,608, and applicants reported an average income of $71,540. 81% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Memphis, TN-MS-AR (35), Jackson, MS (9) and New Orleans-Metairie-Kenner, LA (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 | 544 |
| Total Mortgage Loan Application Amount | $40,587,000 |
| Average Mortgage Loan Application Amount | $74,608 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $71,540 |
| Highest Applicant Income | $681,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2007
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 | 202 | $13,631,000 | $67,000 | $666,000 | $83,000 | $572,000 |
| Home Purchase | 200 | $24,016,000 | $120,000 | $10,000,000 | $71,000 | $681,000 |
| Home Improvement | 142 | $2,940,000 | $20,000 | $189,000 | $56,000 | $634,000 |
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 | 291 | $18,722,000 | $64,000 | $594,000 | $102,000 | $681,000 |
| Black or African American | 181 | $4,506,000 | $24,000 | $158,000 | $47,000 | $500,000 |
| Not applicable | 64 | $16,786,000 | $262,000 | $10,000,000 | $0 | $0 |
| Not Provided | 4 | $71,000 | $17,000 | $35,000 | $41,000 | $75,000 |
| Asian | 3 | $358,000 | $119,000 | $165,000 | $160,000 | $360,000 |
| Hispanic | 1 | $144,000 | $144,000 | $144,000 | $313,000 | $313,000 |
| 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) | 544 | $40,587,000 | $74,000 | $10,000,000 | $72,000 | $681,000 |
| 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 | 442 | $37,520,000 | $84,000 | $10,000,000 | $80,000 | $681,000 |
| Application Denied By Financial Institution | 74 | $2,237,000 | $30,000 | $170,000 | $32,000 | $121,000 |
| Application Withdrawn By Applicant | 17 | $661,000 | $38,000 | $125,000 | $49,000 | $200,000 |
| File Closed For Incompleteness | 7 | $93,000 | $13,000 | $33,000 | $36,000 | $83,000 |
| Application Approved But Not Accepted | 4 | $76,000 | $19,000 | $51,000 | $36,000 | $72,000 |
| 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 | 54 | $1,138,000 | $21,000 | $100,000 | $30,000 | $82,000 |
| Debt-To-Income Ratio | 16 | $885,000 | $55,000 | $170,000 | $35,000 | $121,000 |
| Collateral | 2 | $137,000 | $68,000 | $70,000 | $62,000 | $73,000 |
| Other | 1 | $10,000 | $10,000 | $10,000 | $26,000 | $26,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $22,000 | $22,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2007 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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