Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,090 mortgage applications totaling $242.6 million, up 4% from 2018. The average application was for $222,532, and applicants reported an average income of $131,378. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (179), Texarkana, TX-AR (103) and College Station-Bryan, TX (71) (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 | 1,090 |
| Total Mortgage Loan Application Amount | $242,560,000 |
| Average Mortgage Loan Application Amount | $222,532 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $131,378 |
| Highest Applicant Income | $4,200,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 142 | $ 18,810,000 | $ 132,464 | $ 94,000 |
| Titus, Texas | 139 | $ 17,935,000 | $ 129,028 | $ 94,000 |
| Bowie, Texas | 77 | $ 14,085,000 | $ 182,922 | $ 218,000 |
| Hopkins, Texas | 74 | $ 9,550,000 | $ 129,054 | $ 98,000 |
| Brazos, Texas | 67 | $ 19,855,000 | $ 296,343 | $ 162,000 |
| Camp, Texas | 65 | $ 7,645,000 | $ 117,615 | $ 113,000 |
| Dallas, Texas | 43 | $ 12,655,000 | $ 294,302 | $ 156,000 |
| Hunt, Texas | 43 | $ 8,225,000 | $ 191,279 | $ 192,000 |
| Denton, Texas | 40 | $ 8,960,000 | $ 224,000 | $ 120,000 |
| Gregg, Texas | 36 | $ 7,660,000 | $ 212,777 | $ 89,000 |
| Red River, Texas | 33 | $ 3,765,000 | $ 114,090 | $ 97,000 |
| Rockwall, Texas | 33 | $ 7,625,000 | $ 231,060 | $ 191,000 |
| Franklin, Texas | 26 | $ 6,560,000 | $ 252,307 | $ 77,000 |
| Harris, Texas | 25 | $ 6,805,000 | $ 272,200 | $ 381,000 |
| Harrison, Texas | 25 | $ 4,645,000 | $ 185,800 | $ 121,000 |
| Miller, Arkansas | 24 | $ 2,310,000 | $ 96,250 | $ 77,000 |
| Collin, Texas | 15 | $ 3,945,000 | $ 263,000 | $ 161,000 |
| Morris, Texas | 15 | $ 1,605,000 | $ 107,000 | $ 91,000 |
| Wood, Texas | 14 | $ 2,130,000 | $ 152,142 | $ 124,000 |
| Tarrant, Texas | 13 | $ 5,765,000 | $ 443,461 | $ 160,000 |
| Travis, Texas | 12 | $ 27,640,000 | $ 2,303,333 | $ 477,000 |
| Cass, Texas | 9 | $ 1,185,000 | $ 131,666 | $ 65,000 |
| Montgomery, Texas | 7 | $ 1,995,000 | $ 285,000 | $ 60,000 |
| Fort Bend, Texas | 6 | $ 1,760,000 | $ 293,333 | $ 113,000 |
| Smith, Texas | 6 | $ 1,290,000 | $ 215,000 | $ 127,000 |
| Cooke, Texas | 5 | $ 605,000 | $ 121,000 | $ 65,000 |
| Delta, Texas | 5 | $ 505,000 | $ 101,000 | $ 59,000 |
| Grayson, Texas | 5 | $ 1,005,000 | $ 201,000 | $ 183,000 |
| Kaufman, Texas | 5 | $ 985,000 | $ 197,000 | $ 62,000 |
| Upshur, Texas | 5 | $ 965,000 | $ 193,000 | $ 127,000 |
| Bossier, Louisiana | 3 | $ 325,000 | $ 108,333 | $ 52,000 |
| Cherokee, Texas | 3 | $ 945,000 | $ 315,000 | $ 131,000 |
| Grimes, Texas | 3 | $ 935,000 | $ 311,666 | $ 129,000 |
| Van Zandt, Texas | 3 | $ 795,000 | $ 265,000 | $ 108,000 |
| Williamson, Texas | 3 | $ 945,000 | $ 315,000 | $ 70,000 |
| Little River, Arkansas | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Pike, Arkansas | 2 | $ 420,000 | $ 210,000 | $ 156,000 |
| Walton, Florida | 2 | $ 3,780,000 | $ 1,890,000 | $ 0 |
| Bexar, Texas | 2 | $ 650,000 | $ 325,000 | $ 381,000 |
| Brazoria, Texas | 2 | $ 300,000 | $ 150,000 | $ 128,000 |
| Burleson, Texas | 2 | $ 450,000 | $ 225,000 | $ 155,000 |
| Galveston, Texas | 2 | $ 440,000 | $ 220,000 | $ 148,000 |
| Henderson, Texas | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Hill, Texas | 2 | $ 100,000 | $ 50,000 | $ 177,000 |
| Madison, Texas | 2 | $ 360,000 | $ 180,000 | $ 103,000 |
| Nacogdoches, Texas | 2 | $ 100,000 | $ 50,000 | $ 179,000 |
| Robertson, Texas | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Walker, Texas | 2 | $ 200,000 | $ 100,000 | $ 30,000 |
| Waller, Texas | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Baldwin, Alabama | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Hempstead, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Eagle, Colorado | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
| San Miguel, Colorado | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| Lee, Florida | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Hall, Georgia | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Marion, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Franklin, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Rapides, Louisiana | 1 | $ 635,000 | $ 635,000 | $ 177,000 |
| Oakland, Michigan | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Taos, New Mexico | 1 | $ 35,000 | $ 35,000 | $ 190,000 |
| Jackson, North Carolina | 1 | $ 2,705,000 | $ 2,705,000 | $ 0 |
| Union, Ohio | 1 | $ 295,000 | $ 295,000 | $ 223,000 |
| Comanche, Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Hughes, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 0 |
| McCurtain, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 508,000 |
| Muskogee, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Pittsburg, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Blanco, Texas | 1 | $ 305,000 | $ 305,000 | $ 143,000 |
| Coryell, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Falls, Texas | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Jeff Davis, Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Kerr, Texas | 1 | $ 195,000 | $ 195,000 | $ 265,000 |
| Lubbock, Texas | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
| Marion, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Matagorda, Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| McLennan, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Nueces, Texas | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Parker, Texas | 1 | $ 1,265,000 | $ 1,265,000 | $ 957,000 |
| Rusk, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Victoria, Texas | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Wise, Texas | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2019
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 | 735 | $155,385,000 | $211,000 | $11,005,000 | $123,000 | $1,800,000 |
| Refinancing | 136 | $58,770,000 | $432,000 | $15,005,000 | $180,000 | $1,744,000 |
| Cash-out Refinancing | 96 | $16,840,000 | $175,000 | $1,045,000 | $140,000 | $4,200,000 |
| Home Improvement | 67 | $4,875,000 | $72,000 | $355,000 | $146,000 | $1,719,000 |
| Other Purpose | 56 | $6,690,000 | $119,000 | $615,000 | $91,000 | $495,000 |
| 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 | 726 | $134,810,000 | $185,000 | $3,205,000 | $140,000 | $1,800,000 |
| Hispanic | 134 | $16,120,000 | $120,000 | $415,000 | $67,000 | $249,000 |
| Not applicable | 132 | $72,270,000 | $547,000 | $15,005,000 | $0 | $0 |
| Not Provided | 36 | $8,570,000 | $238,000 | $1,055,000 | $250,000 | $4,200,000 |
| Black or African American | 31 | $4,765,000 | $153,000 | $485,000 | $69,000 | $210,000 |
| Asian | 17 | $3,605,000 | $212,000 | $485,000 | $99,000 | $215,000 |
| American Indian or Alaskan Native | 8 | $1,170,000 | $146,000 | $355,000 | $68,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $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) | 947 | $219,255,000 | $231,000 | $15,005,000 | $141,000 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 90 | $14,460,000 | $160,000 | $365,000 | $68,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,505,000 | $120,000 | $195,000 | $58,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 24 | $5,340,000 | $222,000 | $485,000 | $85,000 | $187,000 |
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 | 840 | $199,260,000 | $237,000 | $15,005,000 | $131,000 | $1,744,000 |
| Application Denied By Financial Institution | 100 | $15,550,000 | $155,000 | $845,000 | $102,000 | $1,800,000 |
| Application Withdrawn By Applicant | 97 | $18,735,000 | $193,000 | $1,085,000 | $120,000 | $1,070,000 |
| Application Approved But Not Accepted | 28 | $4,740,000 | $169,000 | $745,000 | $118,000 | $466,000 |
| File Closed For Incompleteness | 25 | $4,275,000 | $171,000 | $855,000 | $296,000 | $4,200,000 |
| 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 | 990 | $227,010,000 | $229,000 | $15,005,000 | $134,000 | $4,200,000 |
| Credit History | 38 | $3,730,000 | $98,000 | $235,000 | $60,000 | $156,000 |
| Debt-To-Income Ratio | 33 | $6,925,000 | $209,000 | $795,000 | $86,000 | $748,000 |
| Collateral | 12 | $1,800,000 | $150,000 | $845,000 | $128,000 | $507,000 |
| Other | 8 | $1,090,000 | $136,000 | $485,000 | $120,000 | $434,000 |
| Unverifiable Information | 5 | $1,135,000 | $227,000 | $405,000 | $425,000 | $1,800,000 |
| Credit Application Incomplete | 2 | $480,000 | $240,000 | $285,000 | $159,000 | $221,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2019 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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