Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Guaranty Bank & Trust Company of Belzoni, MS reported 460 mortgage applications totaling $36.7 million, down 5% from 2012. The average application was for $79,726, and applicants reported an average income of $86,543. 75% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Memphis, TN-MS-AR (67), Jackson, MS (11) and Johnstown, PA (1) (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 | 460 |
| Total Mortgage Loan Application Amount | $36,674,000 |
| Average Mortgage Loan Application Amount | $79,726 |
| Highest Mortgage Loan Application Amount | $1,648,000 |
| Average Applicant Income | $86,543 |
| Highest Applicant Income | $2,023,000 |
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records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 170 | $21,319,000 | $125,000 | $1,648,000 | $111,000 | $2,023,000 |
| Home Purchase | 160 | $12,206,000 | $76,000 | $503,000 | $87,000 | $1,207,000 |
| Home Improvement | 130 | $3,149,000 | $24,000 | $459,000 | $54,000 | $552,000 |
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 | 244 | $21,626,000 | $88,000 | $1,648,000 | $103,000 | $850,000 |
| Black or African American | 143 | $3,650,000 | $25,000 | $183,000 | $43,000 | $270,000 |
| Not applicable | 64 | $10,376,000 | $162,000 | $1,292,000 | $93,000 | $1,207,000 |
| Hispanic | 4 | $130,000 | $32,000 | $73,000 | $37,000 | $66,000 |
| Asian | 3 | $576,000 | $192,000 | $469,000 | $693,000 | $2,023,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $316,000 | $158,000 | $225,000 | $130,000 | $221,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 460 | $36,674,000 | $79,000 | $1,648,000 | $87,000 | $2,023,000 |
| 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 | 344 | $30,660,000 | $89,000 | $1,648,000 | $97,000 | $2,023,000 |
| Application Denied By Financial Institution | 70 | $2,400,000 | $34,000 | $284,000 | $38,000 | $121,000 |
| Application Withdrawn By Applicant | 27 | $2,124,000 | $78,000 | $471,000 | $66,000 | $201,000 |
| Application Approved But Not Accepted | 19 | $1,490,000 | $78,000 | $309,000 | $100,000 | $605,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 37 | $1,549,000 | $41,000 | $284,000 | $31,000 | $105,000 |
| Credit History | 27 | $719,000 | $26,000 | $112,000 | $48,000 | $121,000 |
| Collateral | 5 | $107,000 | $21,000 | $56,000 | $38,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2013 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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