Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,005 mortgage applications totaling $139.9 million, down 17% from 2013. The average application was for $139,231, and applicants reported an average income of $123,641. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Texarkana, TX-AR (219), College Station-Bryan, TX (79) and Dallas-Plano-Irving, TX (38) (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 | 1,005 |
| Total Mortgage Loan Application Amount | $139,928,000 |
| Average Mortgage Loan Application Amount | $139,231 |
| Highest Mortgage Loan Application Amount | $9,500,000 |
| Average Applicant Income | $123,641 |
| Highest Applicant Income | $3,802,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 20,857,000 | $ 125,644 | $ 149,000 |
| Titus, Texas | 135 | $ 11,815,000 | $ 87,518 | $ 69,000 |
| Lamar, Texas | 133 | $ 13,618,000 | $ 102,390 | $ 151,000 |
| Brazos, Texas | 79 | $ 18,670,000 | $ 236,329 | $ 237,000 |
| Camp, Texas | 69 | $ 5,839,000 | $ 84,623 | $ 71,000 |
| Hopkins, Texas | 64 | $ 7,563,000 | $ 118,171 | $ 82,000 |
| Franklin, Texas | 50 | $ 6,382,000 | $ 127,640 | $ 103,000 |
| Miller, Arkansas | 48 | $ 5,706,000 | $ 118,875 | $ 171,000 |
| Cass, Texas | 41 | $ 5,137,000 | $ 125,292 | $ 82,000 |
| Harrison, Texas | 33 | $ 6,566,000 | $ 198,969 | $ 77,000 |
| Wood, Texas | 29 | $ 2,711,000 | $ 93,482 | $ 68,000 |
| Hunt, Texas | 26 | $ 2,955,000 | $ 113,653 | $ 150,000 |
| Gregg, Texas | 21 | $ 2,751,000 | $ 131,000 | $ 107,000 |
| Red River, Texas | 15 | $ 1,532,000 | $ 102,133 | $ 73,000 |
| Morris, Texas | 12 | $ 1,113,000 | $ 92,750 | $ 65,000 |
| Upshur, Texas | 12 | $ 2,662,000 | $ 221,833 | $ 83,000 |
| Bexar, Texas | 6 | $ 711,000 | $ 118,500 | $ 29,000 |
| Little River, Arkansas | 5 | $ 415,000 | $ 83,000 | $ 62,000 |
| Delta, Texas | 5 | $ 457,000 | $ 91,400 | $ 80,000 |
| Dallas, Texas | 4 | $ 603,000 | $ 150,750 | $ 179,000 |
| Marion, Texas | 4 | $ 341,000 | $ 85,250 | $ 86,000 |
| Tarrant, Texas | 4 | $ 943,000 | $ 235,750 | $ 173,000 |
| Benton, Arkansas | 3 | $ 691,000 | $ 230,333 | $ 149,000 |
| Sevier, Arkansas | 3 | $ 290,000 | $ 96,666 | $ 29,000 |
| Washington, Arkansas | 3 | $ 911,000 | $ 303,666 | $ 1,079,000 |
| McCurtain, Oklahoma | 3 | $ 783,000 | $ 261,000 | $ 104,000 |
| Denton, Texas | 3 | $ 409,000 | $ 136,333 | $ 82,000 |
| Collin, Texas | 2 | $ 395,000 | $ 197,500 | $ 96,000 |
| Kaufman, Texas | 2 | $ 257,000 | $ 128,500 | $ 19,000 |
| Parker, Texas | 2 | $ 480,000 | $ 240,000 | $ 106,000 |
| Rains, Texas | 2 | $ 330,000 | $ 165,000 | $ 78,000 |
| Smith, Texas | 2 | $ 760,000 | $ 380,000 | $ 194,000 |
| Travis, Texas | 2 | $ 1,090,000 | $ 545,000 | $ 217,000 |
| Columbia, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Garland, Arkansas | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Hempstead, Arkansas | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Monterey, California | 1 | $ 1,750,000 | $ 1,750,000 | $ 528,000 |
| Lafayette, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 358,000 |
| Angelina, Texas | 1 | $ 93,000 | $ 93,000 | $ 74,000 |
| Ector, Texas | 1 | $ 119,000 | $ 119,000 | $ 129,000 |
| Galveston, Texas | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Grimes, Texas | 1 | $ 179,000 | $ 179,000 | $ 76,000 |
| Harris, Texas | 1 | $ 9,500,000 | $ 9,500,000 | $ 0 |
| Limestone, Texas | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| McLennan, Texas | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Midland, Texas | 1 | $ 350,000 | $ 350,000 | $ 150,000 |
| Montague, Texas | 1 | $ 513,000 | $ 513,000 | $ 170,000 |
| Montgomery, Texas | 1 | $ 450,000 | $ 450,000 | $ 603,000 |
| Panola, Texas | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Rockwall, Texas | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2014
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 | 662 | $87,232,000 | $131,000 | $1,800,000 | $136,000 | $3,802,000 |
| Refinancing | 271 | $48,446,000 | $178,000 | $9,500,000 | $100,000 | $1,154,000 |
| Home Improvement | 72 | $4,250,000 | $59,000 | $400,000 | $99,000 | $768,000 |
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 | 735 | $101,043,000 | $137,000 | $1,750,000 | $150,000 | $3,802,000 |
| Hispanic | 118 | $7,794,000 | $66,000 | $450,000 | $50,000 | $603,000 |
| Not applicable | 86 | $22,558,000 | $262,000 | $9,500,000 | $0 | $0 |
| Black or African American | 37 | $4,323,000 | $116,000 | $318,000 | $107,000 | $1,154,000 |
| Asian | 12 | $2,425,000 | $202,000 | $647,000 | $184,000 | $598,000 |
| Not Provided | 9 | $1,056,000 | $117,000 | $338,000 | $121,000 | $375,000 |
| American Indian or Alaskan Native | 7 | $712,000 | $101,000 | $172,000 | $64,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $17,000 | $17,000 | $17,000 | $67,000 | $67,000 |
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) | 890 | $126,924,000 | $142,000 | $9,500,000 | $132,000 | $3,802,000 |
| FHA-insured (Federal Housing Administration) | 52 | $6,055,000 | $116,000 | $275,000 | $63,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $4,258,000 | $94,000 | $180,000 | $38,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,691,000 | $149,000 | $244,000 | $70,000 | $116,000 |
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 | 784 | $115,188,000 | $146,000 | $9,500,000 | $126,000 | $3,802,000 |
| Application Denied By Financial Institution | 102 | $11,455,000 | $112,000 | $417,000 | $71,000 | $850,000 |
| Application Approved But Not Accepted | 66 | $6,841,000 | $103,000 | $450,000 | $196,000 | $2,443,000 |
| Application Withdrawn By Applicant | 37 | $3,703,000 | $100,000 | $365,000 | $108,000 | $1,154,000 |
| File Closed For Incompleteness | 15 | $2,584,000 | $172,000 | $417,000 | $75,000 | $185,000 |
| Loan Purchased By The Institution | 1 | $157,000 | $157,000 | $157,000 | $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 | 52 | $5,016,000 | $96,000 | $417,000 | $73,000 | $312,000 |
| Debt-To-Income Ratio | 32 | $4,157,000 | $129,000 | $295,000 | $58,000 | $392,000 |
| Collateral | 5 | $521,000 | $104,000 | $234,000 | $48,000 | $124,000 |
| Other | 5 | $831,000 | $166,000 | $400,000 | $215,000 | $850,000 |
| Employment History | 3 | $286,000 | $95,000 | $163,000 | $57,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $232,000 | $116,000 | $147,000 | $29,000 | $59,000 |
| Unverifiable Information | 2 | $375,000 | $187,000 | $360,000 | $18,000 | $24,000 |
| Credit Application Incomplete | 1 | $37,000 | $37,000 | $37,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2014 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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