Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,206 mortgage applications totaling $149.1 million, down 10% from 2012. The average application was for $123,640, and applicants reported an average income of $97,238. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Texarkana, Tx-Texarkana, AR (370), College Station-Bryan, TX (38) and Dallas-Plano-Irving, TX (32) (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 | 1,206 |
| Total Mortgage Loan Application Amount | $149,110,000 |
| Average Mortgage Loan Application Amount | $123,640 |
| Highest Mortgage Loan Application Amount | $2,419,000 |
| Average Applicant Income | $97,238 |
| Highest Applicant Income | $2,443,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bowie, Texas | 281 | $ 38,509,000 | $ 137,042 | $ 122,000 |
| Lamar, Texas | 165 | $ 18,300,000 | $ 110,909 | $ 96,000 |
| Titus, Texas | 164 | $ 16,928,000 | $ 103,219 | $ 81,000 |
| Miller, Arkansas | 89 | $ 11,712,000 | $ 131,595 | $ 110,000 |
| Hopkins, Texas | 68 | $ 8,162,000 | $ 120,029 | $ 84,000 |
| Camp, Texas | 62 | $ 6,415,000 | $ 103,467 | $ 69,000 |
| Franklin, Texas | 61 | $ 8,266,000 | $ 135,508 | $ 115,000 |
| Cass, Texas | 47 | $ 4,927,000 | $ 104,829 | $ 74,000 |
| Brazos, Texas | 38 | $ 5,848,000 | $ 153,894 | $ 97,000 |
| Wood, Texas | 32 | $ 3,685,000 | $ 115,156 | $ 72,000 |
| Morris, Texas | 25 | $ 2,022,000 | $ 80,880 | $ 55,000 |
| Red River, Texas | 23 | $ 3,165,000 | $ 137,608 | $ 150,000 |
| Harrison, Texas | 22 | $ 2,912,000 | $ 132,363 | $ 50,000 |
| Hunt, Texas | 17 | $ 1,151,000 | $ 67,705 | $ 99,000 |
| Upshur, Texas | 17 | $ 2,036,000 | $ 119,764 | $ 110,000 |
| Gregg, Texas | 14 | $ 2,713,000 | $ 193,785 | $ 67,000 |
| Little River, Arkansas | 8 | $ 997,000 | $ 124,625 | $ 48,000 |
| Dallas, Texas | 6 | $ 1,371,000 | $ 228,500 | $ 132,000 |
| Smith, Texas | 6 | $ 611,000 | $ 101,833 | $ 67,000 |
| Sevier, Arkansas | 5 | $ 416,000 | $ 83,200 | $ 40,000 |
| Kaufman, Texas | 4 | $ 609,000 | $ 152,250 | $ 83,000 |
| Marion, Texas | 4 | $ 656,000 | $ 164,000 | $ 76,000 |
| Tarrant, Texas | 4 | $ 455,000 | $ 113,750 | $ 15,000 |
| Garland, Arkansas | 3 | $ 1,110,000 | $ 370,000 | $ 98,000 |
| Bexar, Texas | 3 | $ 362,000 | $ 120,666 | $ 43,000 |
| Collin, Texas | 3 | $ 480,000 | $ 160,000 | $ 101,000 |
| Grayson, Texas | 3 | $ 328,000 | $ 109,333 | $ 71,000 |
| Leon, Texas | 3 | $ 295,000 | $ 98,333 | $ 66,000 |
| Rains, Texas | 3 | $ 461,000 | $ 153,666 | $ 54,000 |
| Santa Fe, New Mexico | 2 | $ 786,000 | $ 393,000 | $ 406,000 |
| Choctaw, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 124,000 |
| Benton, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Chicot, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 348,000 |
| Howard, Arkansas | 1 | $ 83,000 | $ 83,000 | $ 23,000 |
| Pike, Arkansas | 1 | $ 184,000 | $ 184,000 | $ 264,000 |
| Pulaski, Arkansas | 1 | $ 158,000 | $ 158,000 | $ 58,000 |
| Washington, Arkansas | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Charlotte, Florida | 1 | $ 73,000 | $ 73,000 | $ 108,000 |
| Hall, Georgia | 1 | $ 370,000 | $ 370,000 | $ 115,000 |
| Bossier, Louisiana | 1 | $ 32,000 | $ 32,000 | $ 22,000 |
| Denton, Texas | 1 | $ 213,000 | $ 213,000 | $ 132,000 |
| Ector, Texas | 1 | $ 178,000 | $ 178,000 | $ 54,000 |
| Fannin, Texas | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| McLennan, Texas | 1 | $ 200,000 | $ 200,000 | $ 155,000 |
| Montgomery, Texas | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Panola, Texas | 1 | $ 67,000 | $ 67,000 | $ 18,000 |
| Pecos, Texas | 1 | $ 80,000 | $ 80,000 | $ 101,000 |
| Potter, Texas | 1 | $ 246,000 | $ 246,000 | $ 162,000 |
| Rockwall, Texas | 1 | $ 166,000 | $ 166,000 | $ 180,000 |
| Rusk, Texas | 1 | $ 58,000 | $ 58,000 | $ 111,000 |
| San Saba, Texas | 1 | $ 76,000 | $ 76,000 | $ 20,000 |
| Walker, Texas | 1 | $ 52,000 | $ 52,000 | $ 35,000 |
| Williamson, Texas | 1 | $ 417,000 | $ 417,000 | $ 298,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 748 | $89,177,000 | $119,000 | $2,419,000 | $99,000 | $2,443,000 |
| Refinancing | 380 | $55,448,000 | $145,000 | $1,675,000 | $93,000 | $1,040,000 |
| Home Improvement | 78 | $4,485,000 | $57,000 | $597,000 | $101,000 | $998,000 |
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 | 936 | $119,592,000 | $127,000 | $1,675,000 | $113,000 | $2,443,000 |
| Hispanic | 119 | $6,498,000 | $54,000 | $260,000 | $49,000 | $249,000 |
| Not applicable | 74 | $13,672,000 | $184,000 | $2,419,000 | $0 | $0 |
| Black or African American | 45 | $4,370,000 | $97,000 | $332,000 | $64,000 | $216,000 |
| Asian | 12 | $1,884,000 | $157,000 | $304,000 | $90,000 | $180,000 |
| American Indian or Alaskan Native | 10 | $1,360,000 | $136,000 | $248,000 | $78,000 | $148,000 |
| Not Provided | 8 | $1,495,000 | $186,000 | $384,000 | $112,000 | $305,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $239,000 | $119,000 | $179,000 | $55,000 | $60,000 |
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) | 1,018 | $125,236,000 | $123,000 | $2,419,000 | $104,000 | $2,443,000 |
| FHA-insured (Federal Housing Administration) | 96 | $12,488,000 | $130,000 | $248,000 | $64,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,164,000 | $107,000 | $197,000 | $44,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,222,000 | $141,000 | $332,000 | $73,000 | $580,000 |
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 | 970 | $120,785,000 | $124,000 | $2,419,000 | $99,000 | $2,443,000 |
| Application Denied By Financial Institution | 129 | $14,784,000 | $114,000 | $410,000 | $90,000 | $1,855,000 |
| Application Approved But Not Accepted | 53 | $5,893,000 | $111,000 | $384,000 | $88,000 | $602,000 |
| Application Withdrawn By Applicant | 40 | $5,260,000 | $131,000 | $417,000 | $85,000 | $298,000 |
| File Closed For Incompleteness | 14 | $2,388,000 | $170,000 | $340,000 | $114,000 | $196,000 |
| 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 | 68 | $6,130,000 | $90,000 | $410,000 | $74,000 | $687,000 |
| Debt-To-Income Ratio | 23 | $2,945,000 | $128,000 | $247,000 | $69,000 | $245,000 |
| Other | 15 | $2,635,000 | $175,000 | $393,000 | $108,000 | $438,000 |
| Collateral | 11 | $1,902,000 | $172,000 | $299,000 | $259,000 | $1,855,000 |
| Employment History | 5 | $315,000 | $63,000 | $128,000 | $34,000 | $62,000 |
| Unverifiable Information | 3 | $484,000 | $161,000 | $224,000 | $79,000 | $116,000 |
| Credit Application Incomplete | 2 | $245,000 | $122,000 | $140,000 | $24,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $128,000 | $64,000 | $102,000 | $38,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust'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'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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