Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Guaranty Bank & Trust of Mt Pleasant, TX reported 997 mortgage applications totaling $164.1 million, down 8% from 2016. The average application was for $164,642, and applicants reported an average income of $116,053. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Texarkana, TX-AR (158), College Station-Bryan, TX (148) and Dallas-Plano-Irving, TX (118) (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 | 997 |
| Total Mortgage Loan Application Amount | $164,149,000 |
| Average Mortgage Loan Application Amount | $164,642 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $116,053 |
| Highest Applicant Income | $6,084,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 152 | $ 19,284,000 | $ 126,868 | $ 95,000 |
| Brazos, Texas | 142 | $ 32,986,000 | $ 232,295 | $ 134,000 |
| Bowie, Texas | 126 | $ 15,707,000 | $ 124,658 | $ 147,000 |
| Titus, Texas | 82 | $ 10,273,000 | $ 125,280 | $ 64,000 |
| Hopkins, Texas | 74 | $ 10,159,000 | $ 137,283 | $ 99,000 |
| Denton, Texas | 37 | $ 9,359,000 | $ 252,945 | $ 119,000 |
| Miller, Arkansas | 30 | $ 3,137,000 | $ 104,566 | $ 167,000 |
| Camp, Texas | 30 | $ 2,962,000 | $ 98,733 | $ 80,000 |
| Cass, Texas | 28 | $ 2,855,000 | $ 101,964 | $ 100,000 |
| Gregg, Texas | 23 | $ 3,748,000 | $ 162,956 | $ 71,000 |
| Hunt, Texas | 23 | $ 3,356,000 | $ 145,913 | $ 77,000 |
| Red River, Texas | 22 | $ 2,356,000 | $ 107,090 | $ 78,000 |
| Rockwall, Texas | 20 | $ 4,945,000 | $ 247,250 | $ 221,000 |
| Dallas, Texas | 18 | $ 4,250,000 | $ 236,111 | $ 198,000 |
| Collin, Texas | 16 | $ 3,981,000 | $ 248,812 | $ 105,000 |
| Harrison, Texas | 16 | $ 6,318,000 | $ 394,875 | $ 96,000 |
| Franklin, Texas | 14 | $ 1,874,000 | $ 133,857 | $ 62,000 |
| Bexar, Texas | 11 | $ 2,553,000 | $ 232,090 | $ 180,000 |
| Morris, Texas | 11 | $ 530,000 | $ 48,181 | $ 59,000 |
| Wood, Texas | 11 | $ 1,134,000 | $ 103,090 | $ 97,000 |
| Travis, Texas | 10 | $ 3,805,000 | $ 380,500 | $ 205,000 |
| Delta, Texas | 6 | $ 569,000 | $ 94,833 | $ 76,000 |
| Tarrant, Texas | 6 | $ 989,000 | $ 164,833 | $ 97,000 |
| Choctaw, Oklahoma | 5 | $ 969,000 | $ 193,800 | $ 164,000 |
| Smith, Texas | 5 | $ 1,339,000 | $ 267,800 | $ 161,000 |
| Upshur, Texas | 5 | $ 276,000 | $ 55,200 | $ 107,000 |
| Grayson, Texas | 4 | $ 835,000 | $ 208,750 | $ 85,000 |
| Kaufman, Texas | 4 | $ 956,000 | $ 239,000 | $ 163,000 |
| Robertson, Texas | 4 | $ 574,000 | $ 143,500 | $ 93,000 |
| Washington, Arkansas | 3 | $ 625,000 | $ 208,333 | $ 320,000 |
| McCurtain, Oklahoma | 3 | $ 950,000 | $ 316,666 | $ 114,000 |
| Fannin, Texas | 3 | $ 503,000 | $ 167,666 | $ 50,000 |
| Panola, Texas | 3 | $ 227,000 | $ 75,666 | $ 63,000 |
| Garland, Arkansas | 2 | $ 988,000 | $ 494,000 | $ 294,000 |
| Little River, Arkansas | 2 | $ 402,000 | $ 201,000 | $ 113,000 |
| Pike, Arkansas | 2 | $ 92,000 | $ 46,000 | $ 172,000 |
| Burleson, Texas | 2 | $ 967,000 | $ 483,500 | $ 187,000 |
| Clay, Texas | 2 | $ 234,000 | $ 117,000 | $ 155,000 |
| Cooke, Texas | 2 | $ 298,000 | $ 149,000 | $ 1,106,000 |
| Grimes, Texas | 2 | $ 486,000 | $ 243,000 | $ 65,000 |
| Harris, Texas | 2 | $ 578,000 | $ 289,000 | $ 139,000 |
| Henderson, Texas | 2 | $ 426,000 | $ 213,000 | $ 76,000 |
| Marion, Texas | 2 | $ 176,000 | $ 88,000 | $ 57,000 |
| Rains, Texas | 2 | $ 239,000 | $ 119,500 | $ 94,000 |
| Rusk, Texas | 2 | $ 130,000 | $ 65,000 | $ 33,000 |
| Walker, Texas | 2 | $ 285,000 | $ 142,500 | $ 86,000 |
| Benton, Arkansas | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Clark, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Lafayette, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 104,000 |
| Polk, Arkansas | 1 | $ 183,000 | $ 183,000 | $ 117,000 |
| Hillsborough, Florida | 1 | $ 233,000 | $ 233,000 | $ 103,000 |
| Palm Beach, Florida | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 110,000 | $ 110,000 | $ 251,000 |
| Rapides, Louisiana | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Pushmataha, Oklahoma | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Atascosa, Texas | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Burnet, Texas | 1 | $ 210,000 | $ 210,000 | $ 100,000 |
| Calhoun, Texas | 1 | $ 160,000 | $ 160,000 | $ 173,000 |
| Comal, Texas | 1 | $ 70,000 | $ 70,000 | $ 131,000 |
| Galveston, Texas | 1 | $ 112,000 | $ 112,000 | $ 97,000 |
| Gillespie, Texas | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Kendall, Texas | 1 | $ 208,000 | $ 208,000 | $ 90,000 |
| Leon, Texas | 1 | $ 110,000 | $ 110,000 | $ 107,000 |
| Llano, Texas | 1 | $ 550,000 | $ 550,000 | $ 207,000 |
| Madison, Texas | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Montgomery, Texas | 1 | $ 270,000 | $ 270,000 | $ 115,000 |
| Nacogdoches, Texas | 1 | $ 75,000 | $ 75,000 | $ 174,000 |
| Nueces, Texas | 1 | $ 115,000 | $ 115,000 | $ 443,000 |
| Parker, Texas | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Carbon, Wyoming | 1 | $ 217,000 | $ 217,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2017
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 | 731 | $122,227,000 | $167,000 | $4,500,000 | $111,000 | $6,084,000 |
| Refinancing | 200 | $34,619,000 | $173,000 | $776,000 | $122,000 | $1,784,000 |
| Home Improvement | 66 | $7,303,000 | $110,000 | $424,000 | $154,000 | $2,212,000 |
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 | 756 | $122,312,000 | $161,000 | $1,020,000 | $132,000 | $6,084,000 |
| Not applicable | 90 | $22,109,000 | $245,000 | $4,500,000 | $0 | $0 |
| Hispanic | 88 | $9,427,000 | $107,000 | $438,000 | $60,000 | $407,000 |
| Black or African American | 22 | $2,953,000 | $134,000 | $340,000 | $130,000 | $1,440,000 |
| Asian | 21 | $4,823,000 | $229,000 | $850,000 | $319,000 | $1,784,000 |
| Not Provided | 18 | $1,953,000 | $108,000 | $350,000 | $66,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $555,000 | $555,000 | $555,000 | $99,000 | $99,000 |
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) | 920 | $152,680,000 | $165,000 | $4,500,000 | $121,000 | $6,084,000 |
| FHA-insured (Federal Housing Administration) | 49 | $7,630,000 | $155,000 | $264,000 | $65,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,926,000 | $91,000 | $177,000 | $43,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,913,000 | $273,000 | $595,000 | $80,000 | $168,000 |
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 | 807 | $134,961,000 | $167,000 | $4,500,000 | $117,000 | $6,084,000 |
| Application Denied By Financial Institution | 89 | $13,289,000 | $149,000 | $772,000 | $103,000 | $1,440,000 |
| Application Approved But Not Accepted | 55 | $7,649,000 | $139,000 | $455,000 | $140,000 | $1,058,000 |
| Application Withdrawn By Applicant | 42 | $7,352,000 | $175,000 | $659,000 | $99,000 | $370,000 |
| File Closed For Incompleteness | 4 | $898,000 | $224,000 | $428,000 | $61,000 | $173,000 |
| 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 | $4,423,000 | $126,000 | $364,000 | $110,000 | $1,440,000 |
| Debt-To-Income Ratio | 34 | $6,439,000 | $189,000 | $772,000 | $86,000 | $321,000 |
| Collateral | 12 | $1,831,000 | $152,000 | $340,000 | $131,000 | $480,000 |
| Employment History | 4 | $242,000 | $60,000 | $87,000 | $54,000 | $90,000 |
| Other | 3 | $236,000 | $78,000 | $126,000 | $183,000 | $508,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $53,000 | $53,000 |
| 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 2017 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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