Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Guaranty Bank & Trust Company of Belzoni, MS reported 571 mortgage applications totaling $37.6 million, up 5% from 2008. The average application was for $65,774, and applicants reported an average income of $80,274. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Memphis, TN-MS-AR (39), Jackson, MS (8) 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 | 571 |
| Total Mortgage Loan Application Amount | $37,557,000 |
| Average Mortgage Loan Application Amount | $65,774 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $80,274 |
| Highest Applicant Income | $2,500,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 251 | $21,121,000 | $84,000 | $1,300,000 | $94,000 | $2,500,000 |
| Home Purchase | 177 | $13,129,000 | $74,000 | $1,600,000 | $78,000 | $1,800,000 |
| Home Improvement | 143 | $3,307,000 | $23,000 | $302,000 | $59,000 | $911,000 |
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 | 312 | $23,063,000 | $73,000 | $1,300,000 | $114,000 | $2,500,000 |
| Black or African American | 212 | $8,028,000 | $37,000 | $401,000 | $48,000 | $281,000 |
| Not applicable | 44 | $6,435,000 | $146,000 | $1,600,000 | $0 | $0 |
| Hispanic | 2 | $11,000 | $5,000 | $7,000 | $30,000 | $31,000 |
| Not Provided | 1 | $20,000 | $20,000 | $20,000 | $19,000 | $19,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 571 | $37,557,000 | $65,000 | $1,600,000 | $81,000 | $2,500,000 |
| 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 | 438 | $29,932,000 | $68,000 | $1,300,000 | $91,000 | $2,500,000 |
| Application Denied By Financial Institution | 88 | $4,907,000 | $55,000 | $1,600,000 | $40,000 | $172,000 |
| Application Withdrawn By Applicant | 23 | $1,714,000 | $74,000 | $233,000 | $51,000 | $157,000 |
| Application Approved But Not Accepted | 19 | $960,000 | $50,000 | $175,000 | $71,000 | $281,000 |
| File Closed For Incompleteness | 3 | $44,000 | $14,000 | $29,000 | $21,000 | $40,000 |
| 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 | 48 | $1,437,000 | $29,000 | $281,000 | $32,000 | $109,000 |
| Debt-To-Income Ratio | 27 | $1,465,000 | $54,000 | $401,000 | $44,000 | $155,000 |
| Collateral | 5 | $1,727,000 | $345,000 | $1,600,000 | $55,000 | $151,000 |
| Credit Application Incomplete | 4 | $83,000 | $20,000 | $53,000 | $66,000 | $172,000 |
| Other | 2 | $118,000 | $59,000 | $70,000 | $95,000 | $144,000 |
| Employment History | 2 | $77,000 | $38,000 | $57,000 | $11,000 | $13,000 |
| 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 2009 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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