Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,008 mortgage applications totaling $171.9 million, about the same as 2014. The average application was for $170,549, and applicants reported an average income of $111,043. 79% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Texarkana, TX-AR (163), College Station-Bryan, TX (133) and Dallas-Plano-Irving, TX (76) (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 | 1,008 |
| Total Mortgage Loan Application Amount | $171,914,000 |
| Average Mortgage Loan Application Amount | $170,549 |
| Highest Mortgage Loan Application Amount | $5,350,000 |
| Average Applicant Income | $111,043 |
| Highest Applicant Income | $3,476,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lamar, Texas | 135 | $ 16,579,000 | $ 122,807 | $ 88,000 |
| Brazos, Texas | 129 | $ 30,937,000 | $ 239,821 | $ 167,000 |
| Titus, Texas | 127 | $ 12,842,000 | $ 101,118 | $ 76,000 |
| Bowie, Texas | 126 | $ 23,342,000 | $ 185,253 | $ 143,000 |
| Hopkins, Texas | 55 | $ 5,827,000 | $ 105,945 | $ 78,000 |
| Camp, Texas | 50 | $ 5,516,000 | $ 110,320 | $ 94,000 |
| Franklin, Texas | 36 | $ 6,196,000 | $ 172,111 | $ 96,000 |
| Miller, Arkansas | 35 | $ 4,000,000 | $ 114,285 | $ 75,000 |
| Cass, Texas | 30 | $ 2,830,000 | $ 94,333 | $ 93,000 |
| Harrison, Texas | 29 | $ 4,935,000 | $ 170,172 | $ 92,000 |
| Red River, Texas | 27 | $ 3,147,000 | $ 116,555 | $ 92,000 |
| Hunt, Texas | 24 | $ 1,472,000 | $ 61,333 | $ 188,000 |
| Dallas, Texas | 22 | $ 11,431,000 | $ 519,590 | $ 161,000 |
| Morris, Texas | 20 | $ 1,509,000 | $ 75,450 | $ 79,000 |
| Wood, Texas | 19 | $ 2,508,000 | $ 132,000 | $ 125,000 |
| Gregg, Texas | 17 | $ 8,912,000 | $ 524,235 | $ 128,000 |
| Collin, Texas | 12 | $ 2,587,000 | $ 215,583 | $ 70,000 |
| Harris, Texas | 11 | $ 2,515,000 | $ 228,636 | $ 131,000 |
| Rockwall, Texas | 7 | $ 1,200,000 | $ 171,428 | $ 67,000 |
| McCurtain, Oklahoma | 6 | $ 1,146,000 | $ 191,000 | $ 98,000 |
| Tarrant, Texas | 6 | $ 1,187,000 | $ 197,833 | $ 140,000 |
| Upshur, Texas | 6 | $ 647,000 | $ 107,833 | $ 96,000 |
| Bexar, Texas | 5 | $ 911,000 | $ 182,200 | $ 79,000 |
| Denton, Texas | 5 | $ 1,355,000 | $ 271,000 | $ 114,000 |
| Delta, Texas | 4 | $ 393,000 | $ 98,250 | $ 60,000 |
| Travis, Texas | 4 | $ 885,000 | $ 221,250 | $ 261,000 |
| Ellis, Texas | 3 | $ 672,000 | $ 224,000 | $ 140,000 |
| Grimes, Texas | 3 | $ 678,000 | $ 226,000 | $ 78,000 |
| Kaufman, Texas | 3 | $ 775,000 | $ 258,333 | $ 216,000 |
| Smith, Texas | 3 | $ 598,000 | $ 199,333 | $ 85,000 |
| Garland, Arkansas | 2 | $ 218,000 | $ 109,000 | $ 109,000 |
| Little River, Arkansas | 2 | $ 205,000 | $ 102,500 | $ 105,000 |
| Burleson, Texas | 2 | $ 325,000 | $ 162,500 | $ 23,000 |
| Fort Bend, Texas | 2 | $ 785,000 | $ 392,500 | $ 173,000 |
| Madison, Texas | 2 | $ 435,000 | $ 217,500 | $ 167,000 |
| Milam, Texas | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Rains, Texas | 2 | $ 97,000 | $ 48,500 | $ 45,000 |
| Robertson, Texas | 2 | $ 378,000 | $ 189,000 | $ 97,000 |
| Rusk, Texas | 2 | $ 564,000 | $ 282,000 | $ 168,000 |
| Williamson, Texas | 2 | $ 451,000 | $ 225,500 | $ 94,000 |
| Howard, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Saline, Arkansas | 1 | $ 313,000 | $ 313,000 | $ 152,000 |
| Washington, Arkansas | 1 | $ 172,000 | $ 172,000 | $ 88,000 |
| District of Columbia, District Of Columbia | 1 | $ 1,785,000 | $ 1,785,000 | $ 0 |
| Citrus, Florida | 1 | $ 1,530,000 | $ 1,530,000 | $ 0 |
| Indian River, Florida | 1 | $ 150,000 | $ 150,000 | $ 424,000 |
| Okaloosa, Florida | 1 | $ 416,000 | $ 416,000 | $ 348,000 |
| Rapides, Louisiana | 1 | $ 94,000 | $ 94,000 | $ 74,000 |
| Lafayette, Mississippi | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Gallatin, Montana | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Bailey, Texas | 1 | $ 34,000 | $ 34,000 | $ 59,000 |
| Comal, Texas | 1 | $ 412,000 | $ 412,000 | $ 291,000 |
| Fannin, Texas | 1 | $ 32,000 | $ 32,000 | $ 38,000 |
| Galveston, Texas | 1 | $ 56,000 | $ 56,000 | $ 73,000 |
| Grayson, Texas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Hall, Texas | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Hays, Texas | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Henderson, Texas | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Jasper, Texas | 1 | $ 149,000 | $ 149,000 | $ 84,000 |
| Kendall, Texas | 1 | $ 380,000 | $ 380,000 | $ 162,000 |
| Lubbock, Texas | 1 | $ 76,000 | $ 76,000 | $ 391,000 |
| Marion, Texas | 1 | $ 166,000 | $ 166,000 | $ 102,000 |
| McLennan, Texas | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Montgomery, Texas | 1 | $ 272,000 | $ 272,000 | $ 91,000 |
| Nacogdoches, Texas | 1 | $ 129,000 | $ 129,000 | $ 44,000 |
| Polk, Texas | 1 | $ 228,000 | $ 228,000 | $ 131,000 |
| Waller, Texas | 1 | $ 226,000 | $ 226,000 | $ 271,000 |
| Washington, Texas | 1 | $ 127,000 | $ 127,000 | $ 110,000 |
| Grant, Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2015
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 | 702 | $117,732,000 | $167,000 | $4,757,000 | $111,000 | $3,476,000 |
| Refinancing | 260 | $45,891,000 | $176,000 | $1,488,000 | $114,000 | $1,034,000 |
| Home Improvement | 46 | $8,291,000 | $180,000 | $5,350,000 | $95,000 | $554,000 |
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 | 729 | $113,799,000 | $156,000 | $2,000,000 | $132,000 | $3,476,000 |
| Hispanic | 131 | $10,672,000 | $81,000 | $347,000 | $61,000 | $398,000 |
| Not applicable | 74 | $35,957,000 | $485,000 | $5,350,000 | $0 | $0 |
| Black or African American | 28 | $3,280,000 | $117,000 | $352,000 | $74,000 | $253,000 |
| Not Provided | 22 | $3,599,000 | $163,000 | $380,000 | $116,000 | $682,000 |
| Asian | 20 | $4,285,000 | $214,000 | $896,000 | $131,000 | $425,000 |
| American Indian or Alaskan Native | 3 | $227,000 | $75,000 | $176,000 | $138,000 | $286,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $38,000 | $38,000 |
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) | 898 | $157,498,000 | $175,000 | $5,350,000 | $117,000 | $3,476,000 |
| FHA-insured (Federal Housing Administration) | 65 | $8,757,000 | $134,000 | $245,000 | $63,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,079,000 | $90,000 | $167,000 | $38,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,580,000 | $162,000 | $385,000 | $69,000 | $190,000 |
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 | 801 | $148,442,000 | $185,000 | $5,350,000 | $116,000 | $3,476,000 |
| Application Denied By Financial Institution | 93 | $9,752,000 | $104,000 | $328,000 | $72,000 | $479,000 |
| Application Approved But Not Accepted | 65 | $8,159,000 | $125,000 | $417,000 | $89,000 | $374,000 |
| Application Withdrawn By Applicant | 46 | $4,881,000 | $106,000 | $336,000 | $118,000 | $1,034,000 |
| File Closed For Incompleteness | 2 | $300,000 | $150,000 | $180,000 | $187,000 | $269,000 |
| Loan Purchased By The Institution | 1 | $380,000 | $380,000 | $380,000 | $197,000 | $197,000 |
| 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 | 38 | $4,652,000 | $122,000 | $328,000 | $83,000 | $479,000 |
| Credit History | 28 | $1,870,000 | $66,000 | $153,000 | $58,000 | $155,000 |
| Collateral | 10 | $1,158,000 | $115,000 | $290,000 | $72,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $787,000 | $112,000 | $195,000 | $57,000 | $175,000 |
| Other | 6 | $685,000 | $114,000 | $181,000 | $74,000 | $136,000 |
| Unverifiable Information | 2 | $350,000 | $175,000 | $280,000 | $110,000 | $192,000 |
| Employment History | 2 | $250,000 | $125,000 | $167,000 | $44,000 | $60,000 |
| Credit Application Incomplete | 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 2015 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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