Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,088 mortgage applications totaling $188.2 million, up 8% from 2015. The average application was for $172,995, and applicants reported an average income of $121,102. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were College Station-Bryan, TX (167), Texarkana, TX-AR (161) and Dallas-Plano-Irving, TX (101) (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 | 1,088 |
| Total Mortgage Loan Application Amount | $188,219,000 |
| Average Mortgage Loan Application Amount | $172,995 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $121,102 |
| Highest Applicant Income | $3,356,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Brazos, Texas | 164 | $ 43,513,000 | $ 265,323 | $ 139,000 |
| Lamar, Texas | 160 | $ 20,547,000 | $ 128,418 | $ 102,000 |
| Titus, Texas | 125 | $ 13,726,000 | $ 109,808 | $ 78,000 |
| Bowie, Texas | 119 | $ 16,532,000 | $ 138,924 | $ 119,000 |
| Hopkins, Texas | 67 | $ 8,935,000 | $ 133,358 | $ 99,000 |
| Camp, Texas | 42 | $ 5,446,000 | $ 129,666 | $ 107,000 |
| Miller, Arkansas | 41 | $ 4,562,000 | $ 111,268 | $ 107,000 |
| Franklin, Texas | 34 | $ 3,911,000 | $ 115,029 | $ 108,000 |
| Cass, Texas | 31 | $ 7,615,000 | $ 245,645 | $ 95,000 |
| Hunt, Texas | 28 | $ 3,345,000 | $ 119,464 | $ 99,000 |
| Red River, Texas | 25 | $ 2,129,000 | $ 85,160 | $ 91,000 |
| Denton, Texas | 24 | $ 7,055,000 | $ 293,958 | $ 101,000 |
| Dallas, Texas | 20 | $ 6,125,000 | $ 306,250 | $ 418,000 |
| Harrison, Texas | 19 | $ 4,064,000 | $ 213,894 | $ 75,000 |
| Morris, Texas | 15 | $ 1,381,000 | $ 92,066 | $ 82,000 |
| Collin, Texas | 14 | $ 2,825,000 | $ 201,785 | $ 187,000 |
| Upshur, Texas | 13 | $ 2,699,000 | $ 207,615 | $ 122,000 |
| Wood, Texas | 13 | $ 2,011,000 | $ 154,692 | $ 120,000 |
| Rockwall, Texas | 12 | $ 1,651,000 | $ 137,583 | $ 76,000 |
| Gregg, Texas | 10 | $ 1,389,000 | $ 138,900 | $ 89,000 |
| Grimes, Texas | 10 | $ 2,751,000 | $ 275,100 | $ 128,000 |
| Rusk, Texas | 8 | $ 2,078,000 | $ 259,750 | $ 115,000 |
| Tarrant, Texas | 8 | $ 2,056,000 | $ 257,000 | $ 130,000 |
| McCurtain, Oklahoma | 7 | $ 1,873,000 | $ 267,571 | $ 85,000 |
| Travis, Texas | 7 | $ 3,598,000 | $ 514,000 | $ 600,000 |
| Pike, Arkansas | 4 | $ 325,000 | $ 81,250 | $ 155,000 |
| Harris, Texas | 4 | $ 577,000 | $ 144,250 | $ 282,000 |
| Walker, Texas | 4 | $ 537,000 | $ 134,250 | $ 50,000 |
| Kaufman, Texas | 3 | $ 659,000 | $ 219,666 | $ 129,000 |
| Garland, Arkansas | 2 | $ 502,000 | $ 251,000 | $ 338,000 |
| Pulaski, Arkansas | 2 | $ 312,000 | $ 156,000 | $ 52,000 |
| Choctaw, Oklahoma | 2 | $ 1,243,000 | $ 621,500 | $ 310,000 |
| Pushmataha, Oklahoma | 2 | $ 488,000 | $ 244,000 | $ 295,000 |
| Comal, Texas | 2 | $ 561,000 | $ 280,500 | $ 102,000 |
| Cooke, Texas | 2 | $ 201,000 | $ 100,500 | $ 678,000 |
| Delta, Texas | 2 | $ 181,000 | $ 90,500 | $ 69,000 |
| Fannin, Texas | 2 | $ 214,000 | $ 107,000 | $ 19,000 |
| Galveston, Texas | 2 | $ 429,000 | $ 214,500 | $ 265,000 |
| Montgomery, Texas | 2 | $ 726,000 | $ 363,000 | $ 211,000 |
| Parker, Texas | 2 | $ 225,000 | $ 112,500 | $ 305,000 |
| Rains, Texas | 2 | $ 498,000 | $ 249,000 | $ 102,000 |
| Robertson, Texas | 2 | $ 313,000 | $ 156,500 | $ 282,000 |
| Smith, Texas | 2 | $ 201,000 | $ 100,500 | $ 82,000 |
| Van Zandt, Texas | 2 | $ 321,000 | $ 160,500 | $ 126,000 |
| Williamson, Texas | 2 | $ 457,000 | $ 228,500 | $ 106,000 |
| Carbon, Wyoming | 2 | $ 205,000 | $ 102,500 | $ 58,000 |
| Benton, Arkansas | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Little River, Arkansas | 1 | $ 117,000 | $ 117,000 | $ 134,000 |
| Polk, Arkansas | 1 | $ 69,000 | $ 69,000 | $ 229,000 |
| Sevier, Arkansas | 1 | $ 72,000 | $ 72,000 | $ 70,000 |
| Washington, Arkansas | 1 | $ 181,000 | $ 181,000 | $ 51,000 |
| La Plata, Colorado | 1 | $ 417,000 | $ 417,000 | $ 671,000 |
| Okaloosa, Florida | 1 | $ 1,710,000 | $ 1,710,000 | $ 0 |
| Lincoln, Maine | 1 | $ 920,000 | $ 920,000 | $ 0 |
| Atoka, Oklahoma | 1 | $ 234,000 | $ 234,000 | $ 91,000 |
| Anderson, Texas | 1 | $ 203,000 | $ 203,000 | $ 71,000 |
| Bexar, Texas | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Burleson, Texas | 1 | $ 601,000 | $ 601,000 | $ 364,000 |
| Childress, Texas | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Fort Bend, Texas | 1 | $ 372,000 | $ 372,000 | $ 112,000 |
| Grayson, Texas | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Hays, Texas | 1 | $ 381,000 | $ 381,000 | $ 138,000 |
| Henderson, Texas | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Limestone, Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Marion, Texas | 1 | $ 135,000 | $ 135,000 | $ 192,000 |
| McLennan, Texas | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Montague, Texas | 1 | $ 350,000 | $ 350,000 | $ 264,000 |
| Nueces, Texas | 1 | $ 276,000 | $ 276,000 | $ 235,000 |
| Stephens, Texas | 1 | $ 90,000 | $ 90,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2016
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 | 768 | $137,570,000 | $179,000 | $3,500,000 | $117,000 | $3,356,000 |
| Refinancing | 254 | $46,472,000 | $182,000 | $1,291,000 | $126,000 | $3,356,000 |
| Home Improvement | 66 | $4,177,000 | $63,000 | $285,000 | $150,000 | $1,419,000 |
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 | 773 | $128,239,000 | $165,000 | $1,496,000 | $145,000 | $3,356,000 |
| Hispanic | 128 | $13,425,000 | $104,000 | $850,000 | $71,000 | $736,000 |
| Not applicable | 105 | $34,528,000 | $328,000 | $3,500,000 | $0 | $0 |
| Black or African American | 31 | $3,105,000 | $100,000 | $388,000 | $87,000 | $579,000 |
| Asian | 29 | $6,251,000 | $215,000 | $600,000 | $165,000 | $362,000 |
| Not Provided | 18 | $2,296,000 | $127,000 | $790,000 | $120,000 | $600,000 |
| American Indian or Alaskan Native | 4 | $375,000 | $93,000 | $180,000 | $102,000 | $199,000 |
| Native Hawaiin 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) | 971 | $171,465,000 | $176,000 | $3,500,000 | $127,000 | $3,356,000 |
| FHA-insured (Federal Housing Administration) | 80 | $11,256,000 | $140,000 | $350,000 | $72,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 23 | $4,056,000 | $176,000 | $377,000 | $77,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,442,000 | $103,000 | $170,000 | $47,000 | $76,000 |
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 | 911 | $159,146,000 | $174,000 | $3,500,000 | $121,000 | $3,356,000 |
| Application Denied By Financial Institution | 95 | $13,890,000 | $146,000 | $887,000 | $103,000 | $1,680,000 |
| Application Approved But Not Accepted | 58 | $10,348,000 | $178,000 | $1,174,000 | $141,000 | $1,419,000 |
| Application Withdrawn By Applicant | 15 | $2,862,000 | $190,000 | $600,000 | $146,000 | $600,000 |
| File Closed For Incompleteness | 9 | $1,973,000 | $219,000 | $424,000 | $113,000 | $277,000 |
| 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 | 35 | $3,546,000 | $101,000 | $360,000 | $59,000 | $264,000 |
| Debt-To-Income Ratio | 35 | $5,846,000 | $167,000 | $417,000 | $89,000 | $330,000 |
| Collateral | 11 | $2,386,000 | $216,000 | $887,000 | $127,000 | $420,000 |
| Other | 9 | $1,183,000 | $131,000 | $400,000 | $318,000 | $1,680,000 |
| Employment History | 3 | $513,000 | $171,000 | $291,000 | $78,000 | $118,000 |
| Unverifiable Information | 2 | $416,000 | $208,000 | $280,000 | $72,000 | $100,000 |
| Credit Application Incomplete | 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 2016 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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