Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,048 mortgage applications totaling $208.8 million, up 5% from 2017. The average application was for $199,208, and applicants reported an average income of $135,429. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Texarkana, TX-AR (122), Dallas-Plano-Irving, TX (116) and College Station-Bryan, TX (114) (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 | 1,048 |
| Total Mortgage Loan Application Amount | $208,770,000 |
| Average Mortgage Loan Application Amount | $199,208 |
| Highest Mortgage Loan Application Amount | $6,075,000 |
| Average Applicant Income | $135,429 |
| Highest Applicant Income | $1,920,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Titus, Texas | 142 | $ 17,760,000 | $ 125,070 | $ 88,000 |
| Lamar, Texas | 140 | $ 15,530,000 | $ 110,928 | $ 107,000 |
| Brazos, Texas | 104 | $ 29,020,000 | $ 279,038 | $ 164,000 |
| Bowie, Texas | 97 | $ 13,395,000 | $ 138,092 | $ 138,000 |
| Hopkins, Texas | 83 | $ 10,165,000 | $ 122,469 | $ 118,000 |
| Camp, Texas | 47 | $ 4,715,000 | $ 100,319 | $ 105,000 |
| Hunt, Texas | 32 | $ 5,220,000 | $ 163,125 | $ 125,000 |
| Denton, Texas | 30 | $ 7,010,000 | $ 233,666 | $ 243,000 |
| Cass, Texas | 29 | $ 3,095,000 | $ 106,724 | $ 86,000 |
| Dallas, Texas | 27 | $ 13,085,000 | $ 484,629 | $ 249,000 |
| Red River, Texas | 24 | $ 2,400,000 | $ 100,000 | $ 88,000 |
| Miller, Arkansas | 23 | $ 3,905,000 | $ 169,782 | $ 99,000 |
| Franklin, Texas | 21 | $ 3,865,000 | $ 184,047 | $ 84,000 |
| Gregg, Texas | 19 | $ 3,235,000 | $ 170,263 | $ 116,000 |
| Harris, Texas | 18 | $ 8,620,000 | $ 478,888 | $ 292,000 |
| Rockwall, Texas | 16 | $ 6,590,000 | $ 411,875 | $ 169,000 |
| Morris, Texas | 15 | $ 1,875,000 | $ 125,000 | $ 115,000 |
| Harrison, Texas | 14 | $ 2,610,000 | $ 186,428 | $ 121,000 |
| Travis, Texas | 14 | $ 18,600,000 | $ 1,328,571 | $ 709,000 |
| Tarrant, Texas | 13 | $ 4,055,000 | $ 311,923 | $ 245,000 |
| McCurtain, Oklahoma | 12 | $ 2,850,000 | $ 237,500 | $ 167,000 |
| Smith, Texas | 9 | $ 1,795,000 | $ 199,444 | $ 356,000 |
| Collin, Texas | 8 | $ 1,280,000 | $ 160,000 | $ 144,000 |
| Wood, Texas | 8 | $ 2,580,000 | $ 322,500 | $ 131,000 |
| Montgomery, Texas | 6 | $ 2,920,000 | $ 486,666 | $ 270,000 |
| Burleson, Texas | 5 | $ 1,835,000 | $ 367,000 | $ 208,000 |
| Robertson, Texas | 5 | $ 1,575,000 | $ 315,000 | $ 155,000 |
| Upshur, Texas | 5 | $ 585,000 | $ 117,000 | $ 75,000 |
| Bexar, Texas | 4 | $ 1,150,000 | $ 287,500 | $ 252,000 |
| Delta, Texas | 4 | $ 430,000 | $ 107,500 | $ 73,000 |
| Fannin, Texas | 4 | $ 870,000 | $ 217,500 | $ 103,000 |
| Grayson, Texas | 4 | $ 400,000 | $ 100,000 | $ 58,000 |
| Grimes, Texas | 4 | $ 1,140,000 | $ 285,000 | $ 93,000 |
| Marion, Texas | 4 | $ 350,000 | $ 87,500 | $ 113,000 |
| Cooke, Texas | 3 | $ 1,135,000 | $ 378,333 | $ 262,000 |
| Kaufman, Texas | 3 | $ 275,000 | $ 91,666 | $ 97,000 |
| Rains, Texas | 3 | $ 425,000 | $ 141,666 | $ 173,000 |
| Little River, Arkansas | 2 | $ 90,000 | $ 45,000 | $ 35,000 |
| Brazoria, Texas | 2 | $ 280,000 | $ 140,000 | $ 26,000 |
| Freestone, Texas | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Galveston, Texas | 2 | $ 1,670,000 | $ 835,000 | $ 163,000 |
| Johnson, Texas | 2 | $ 800,000 | $ 400,000 | $ 88,000 |
| Milam, Texas | 2 | $ 750,000 | $ 375,000 | $ 158,000 |
| Nueces, Texas | 2 | $ 1,290,000 | $ 645,000 | $ 0 |
| Pecos, Texas | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Rusk, Texas | 2 | $ 370,000 | $ 185,000 | $ 152,000 |
| Williamson, Texas | 2 | $ 330,000 | $ 165,000 | $ 104,000 |
| Baldwin, Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Nevada, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Pike, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 343,000 |
| Boulder, Colorado | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Gunnison, Colorado | 1 | $ 495,000 | $ 495,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 115,000 | $ 115,000 | $ 194,000 |
| Fayette, Kentucky | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Vernon, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Isabella, Michigan | 1 | $ 275,000 | $ 275,000 | $ 250,000 |
| Jackson, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Suffolk, New York | 1 | $ 445,000 | $ 445,000 | $ 142,000 |
| Caddo, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Canadian, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Garvin, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Haskell, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 220,000 |
| Tulsa, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Cameron, Texas | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Comal, Texas | 1 | $ 265,000 | $ 265,000 | $ 231,000 |
| Gaines, Texas | 1 | $ 165,000 | $ 165,000 | $ 160,000 |
| Hays, Texas | 1 | $ 295,000 | $ 295,000 | $ 119,000 |
| Henderson, Texas | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Jasper, Texas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Leon, Texas | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Nacogdoches, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Parker, Texas | 1 | $ 135,000 | $ 135,000 | $ 235,000 |
| Trinity, Texas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Van Zandt, Texas | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Walker, Texas | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Utah, Utah | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2018
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 | 771 | $147,835,000 | $191,000 | $2,095,000 | $127,000 | $1,531,000 |
| Refinancing | 112 | $39,190,000 | $349,000 | $6,075,000 | $207,000 | $1,454,000 |
| Cash-out Refinancing | 74 | $13,810,000 | $186,000 | $4,005,000 | $125,000 | $1,920,000 |
| Other Purpose | 46 | $3,310,000 | $71,000 | $405,000 | $104,000 | $494,000 |
| Home Improvement | 45 | $4,625,000 | $102,000 | $985,000 | $151,000 | $1,824,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 725 | $135,415,000 | $186,000 | $4,005,000 | $145,000 | $1,920,000 |
| Hispanic | 131 | $15,635,000 | $119,000 | $1,205,000 | $83,000 | $1,116,000 |
| Not applicable | 119 | $45,455,000 | $381,000 | $6,075,000 | $0 | $0 |
| Black or African American | 29 | $3,635,000 | $125,000 | $455,000 | $75,000 | $210,000 |
| Asian | 21 | $4,925,000 | $234,000 | $455,000 | $191,000 | $983,000 |
| Not Provided | 13 | $2,335,000 | $179,000 | $435,000 | $118,000 | $263,000 |
| American Indian or Alaskan Native | 6 | $800,000 | $133,000 | $365,000 | $98,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $135,000 | $135,000 |
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) | 917 | $190,475,000 | $207,000 | $6,075,000 | $145,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 93 | $13,415,000 | $144,000 | $365,000 | $70,000 | $398,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,970,000 | $114,000 | $215,000 | $56,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,910,000 | $159,000 | $325,000 | $66,000 | $153,000 |
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 | 839 | $177,245,000 | $211,000 | $6,075,000 | $138,000 | $1,824,000 |
| Application Denied By Financial Institution | 88 | $9,920,000 | $112,000 | $455,000 | $81,000 | $979,000 |
| Application Approved But Not Accepted | 65 | $12,555,000 | $193,000 | $4,005,000 | $115,000 | $1,920,000 |
| Application Withdrawn By Applicant | 45 | $7,555,000 | $167,000 | $885,000 | $199,000 | $1,531,000 |
| File Closed For Incompleteness | 11 | $1,495,000 | $135,000 | $455,000 | $123,000 | $280,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 960 | $198,850,000 | $207,000 | $6,075,000 | $139,000 | $1,920,000 |
| Credit History | 43 | $3,865,000 | $89,000 | $265,000 | $96,000 | $979,000 |
| Debt-To-Income Ratio | 20 | $2,610,000 | $130,000 | $305,000 | $52,000 | $127,000 |
| Collateral | 10 | $1,100,000 | $110,000 | $335,000 | $70,000 | $202,000 |
| Other | 5 | $555,000 | $111,000 | $165,000 | $67,000 | $75,000 |
| Unverifiable Information | 4 | $1,040,000 | $260,000 | $455,000 | $110,000 | $213,000 |
| Employment History | 4 | $630,000 | $157,000 | $245,000 | $64,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2018 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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