Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Guaranty Bank & Trust of Mt Pleasant, TX reported 379 mortgage applications totaling $113.4 million, down 34% from 2024. The average application was for $299,274, and applicants reported an average income of $255,836. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Texarkana, TX-AR (42), College Station-Bryan, TX (39) and Dallas-Plano-Irving, TX (37) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank & Trust 100 W Arkansas St Mt Pleasant, TX 75455 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 |
| Total Number of Mortgage Applications | 379 |
| Total Mortgage Loan Application Amount | $113,425,000 |
| Average Mortgage Loan Application Amount | $299,274 |
| Highest Mortgage Loan Application Amount | $4,565,000 |
| Average Applicant Income | $255,836 |
| Highest Applicant Income | $8,918,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Titus, Texas | 48 | $ 8,290,000 | $ 172,708 | $ 112,000 |
| Lamar, Texas | 43 | $ 8,625,000 | $ 200,581 | $ 142,000 |
| Bowie, Texas | 38 | $ 5,640,000 | $ 148,421 | $ 146,000 |
| Brazos, Texas | 35 | $ 16,325,000 | $ 466,428 | $ 864,000 |
| Hopkins, Texas | 24 | $ 6,810,000 | $ 283,750 | $ 208,000 |
| Hunt, Texas | 14 | $ 3,110,000 | $ 222,142 | $ 197,000 |
| Morris, Texas | 14 | $ 1,270,000 | $ 90,714 | $ 529,000 |
| Camp, Texas | 12 | $ 2,140,000 | $ 178,333 | $ 95,000 |
| Tarrant, Texas | 10 | $ 2,730,000 | $ 273,000 | $ 176,000 |
| Denton, Texas | 9 | $ 5,455,000 | $ 606,111 | $ 696,000 |
| Red River, Texas | 9 | $ 1,175,000 | $ 130,555 | $ 122,000 |
| Dallas, Texas | 8 | $ 5,460,000 | $ 682,500 | $ 859,000 |
| Gregg, Texas | 8 | $ 2,520,000 | $ 315,000 | $ 378,000 |
| Delta, Texas | 7 | $ 715,000 | $ 102,142 | $ 115,000 |
| Smith, Texas | 7 | $ 4,705,000 | $ 672,142 | $ 143,000 |
| Travis, Texas | 7 | $ 2,735,000 | $ 390,714 | $ 387,000 |
| Cass, Texas | 6 | $ 1,560,000 | $ 260,000 | $ 232,000 |
| Harrison, Texas | 6 | $ 1,380,000 | $ 230,000 | $ 91,000 |
| Franklin, Texas | 5 | $ 725,000 | $ 145,000 | $ 77,000 |
| Miller, Arkansas | 4 | $ 640,000 | $ 160,000 | $ 157,000 |
| Grimes, Texas | 4 | $ 1,240,000 | $ 310,000 | $ 192,000 |
| Rockwall, Texas | 4 | $ 3,140,000 | $ 785,000 | $ 581,000 |
| Upshur, Texas | 4 | $ 2,100,000 | $ 525,000 | $ 162,000 |
| Fort Bend, Texas | 3 | $ 785,000 | $ 261,666 | $ 175,000 |
| Harris, Texas | 3 | $ 2,535,000 | $ 845,000 | $ 435,000 |
| Montgomery, Texas | 3 | $ 735,000 | $ 245,000 | $ 107,000 |
| Wood, Texas | 3 | $ 395,000 | $ 131,666 | $ 195,000 |
| Sevier, Arkansas | 2 | $ 120,000 | $ 60,000 | $ 117,000 |
| East Baton Rouge, Louisiana | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Burleson, Texas | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Collin, Texas | 2 | $ 1,340,000 | $ 670,000 | $ 253,000 |
| Fannin, Texas | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Freestone, Texas | 2 | $ 960,000 | $ 480,000 | $ 174,000 |
| Robertson, Texas | 2 | $ 690,000 | $ 345,000 | $ 204,000 |
| Rusk, Texas | 2 | $ 570,000 | $ 285,000 | $ 184,000 |
| Walker, Texas | 2 | $ 200,000 | $ 100,000 | $ 42,000 |
| Baldwin, Alabama | 1 | $ 435,000 | $ 435,000 | $ 166,000 |
| Garland, Arkansas | 1 | $ 405,000 | $ 405,000 | $ 294,000 |
| Pike, Arkansas | 1 | $ 555,000 | $ 555,000 | $ 316,000 |
| Saline, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| El Paso, Colorado | 1 | $ 1,085,000 | $ 1,085,000 | $ 237,000 |
| Sabine, Louisiana | 1 | $ 405,000 | $ 405,000 | $ 231,000 |
| Lafayette, Mississippi | 1 | $ 345,000 | $ 345,000 | $ 353,000 |
| Pushmataha, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Seminole, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Charleston, South Carolina | 1 | $ 4,565,000 | $ 4,565,000 | $ 0 |
| Brazoria, Texas | 1 | $ 205,000 | $ 205,000 | $ 206,000 |
| Clay, Texas | 1 | $ 435,000 | $ 435,000 | $ 220,000 |
| Cooke, Texas | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Fayette, Texas | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Galveston, Texas | 1 | $ 485,000 | $ 485,000 | $ 99,000 |
| Grayson, Texas | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| Hays, Texas | 1 | $ 335,000 | $ 335,000 | $ 321,000 |
| Leon, Texas | 1 | $ 1,155,000 | $ 1,155,000 | $ 358,000 |
| Marion, Texas | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| McLennan, Texas | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Nueces, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Polk, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Wise, Texas | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2025
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 | 249 | $90,735,000 | $364,000 | $4,565,000 | $302,000 | $8,918,000 |
| Cash-out Refinancing | 48 | $10,420,000 | $217,000 | $1,205,000 | $158,000 | $1,024,000 |
| Home Improvement | 39 | $3,515,000 | $90,000 | $275,000 | $141,000 | $497,000 |
| Other Purpose | 28 | $4,400,000 | $157,000 | $1,505,000 | $212,000 | $2,668,000 |
| Refinancing | 15 | $4,355,000 | $290,000 | $1,135,000 | $183,000 | $540,000 |
| 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 | 210 | $59,300,000 | $282,000 | $1,935,000 | $278,000 | $8,918,000 |
| Not applicable | 82 | $34,800,000 | $424,000 | $4,565,000 | $0 | $0 |
| Hispanic | 65 | $9,855,000 | $151,000 | $555,000 | $103,000 | $353,000 |
| Not Provided | 10 | $2,970,000 | $297,000 | $1,005,000 | $208,000 | $512,000 |
| Asian | 8 | $5,960,000 | $745,000 | $1,845,000 | $791,000 | $2,668,000 |
| Black or African American | 3 | $345,000 | $115,000 | $195,000 | $85,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $66,000 | $66,000 |
| 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) | 342 | $103,500,000 | $302,000 | $4,565,000 | $267,000 | $8,918,000 |
| FHA-insured (Federal Housing Administration) | 28 | $6,540,000 | $233,000 | $475,000 | $99,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 9 | $3,385,000 | $376,000 | $575,000 | $177,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 324 | $102,980,000 | $317,000 | $4,565,000 | $279,000 | $8,918,000 |
| Application Denied By Financial Institution | 24 | $4,010,000 | $167,000 | $805,000 | $104,000 | $300,000 |
| Application Approved But Not Accepted | 16 | $3,050,000 | $190,000 | $1,005,000 | $105,000 | $512,000 |
| Application Withdrawn By Applicant | 15 | $3,385,000 | $225,000 | $575,000 | $126,000 | $324,000 |
| 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 | 355 | $109,415,000 | $308,000 | $4,565,000 | $261,000 | $8,918,000 |
| Credit History | 9 | $495,000 | $55,000 | $105,000 | $94,000 | $300,000 |
| Debt-To-Income Ratio | 9 | $1,505,000 | $167,000 | $545,000 | $67,000 | $133,000 |
| Collateral | 4 | $1,290,000 | $322,000 | $805,000 | $201,000 | $260,000 |
| Credit Application Incomplete | 1 | $215,000 | $215,000 | $215,000 | $141,000 | $141,000 |
| Unverifiable Information | 1 | $505,000 | $505,000 | $505,000 | $211,000 | $211,000 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2025 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'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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