Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,521 mortgage applications totaling $342.2 million, up 40% from 2019. The average application was for $224,980, and applicants reported an average income of $148,515. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (231), Texarkana, TX-AR (153) and Houston-The Woodlands-Sugar Land, TX (128) (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 | 1,521 |
| Total Mortgage Loan Application Amount | $342,195,000 |
| Average Mortgage Loan Application Amount | $224,980 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $148,515 |
| Highest Applicant Income | $6,842,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 173 | $ 27,855,000 | $ 161,011 | $ 110,000 |
| Titus, Texas | 160 | $ 22,820,000 | $ 142,625 | $ 97,000 |
| Bowie, Texas | 128 | $ 24,280,000 | $ 189,687 | $ 185,000 |
| Brazos, Texas | 116 | $ 34,300,000 | $ 295,689 | $ 171,000 |
| Hopkins, Texas | 93 | $ 19,345,000 | $ 208,010 | $ 138,000 |
| Camp, Texas | 66 | $ 7,880,000 | $ 119,393 | $ 88,000 |
| Hunt, Texas | 53 | $ 11,495,000 | $ 216,886 | $ 111,000 |
| Montgomery, Texas | 52 | $ 14,370,000 | $ 276,346 | $ 185,000 |
| Dallas, Texas | 50 | $ 22,290,000 | $ 445,800 | $ 332,000 |
| Gregg, Texas | 50 | $ 9,290,000 | $ 185,800 | $ 129,000 |
| Denton, Texas | 49 | $ 12,625,000 | $ 257,653 | $ 212,000 |
| Harris, Texas | 49 | $ 13,675,000 | $ 279,081 | $ 222,000 |
| Harrison, Texas | 41 | $ 7,965,000 | $ 194,268 | $ 116,000 |
| Red River, Texas | 40 | $ 5,010,000 | $ 125,250 | $ 92,000 |
| Rockwall, Texas | 38 | $ 11,680,000 | $ 307,368 | $ 186,000 |
| Franklin, Texas | 37 | $ 5,555,000 | $ 150,135 | $ 103,000 |
| Collin, Texas | 34 | $ 9,920,000 | $ 291,764 | $ 162,000 |
| Miller, Arkansas | 23 | $ 4,035,000 | $ 175,434 | $ 97,000 |
| Tarrant, Texas | 23 | $ 6,455,000 | $ 280,652 | $ 155,000 |
| Travis, Texas | 22 | $ 13,820,000 | $ 628,181 | $ 269,000 |
| Upshur, Texas | 17 | $ 3,785,000 | $ 222,647 | $ 74,000 |
| Morris, Texas | 16 | $ 2,270,000 | $ 141,875 | $ 73,000 |
| Fort Bend, Texas | 14 | $ 5,020,000 | $ 358,571 | $ 171,000 |
| Delta, Texas | 13 | $ 1,175,000 | $ 90,384 | $ 85,000 |
| Smith, Texas | 13 | $ 3,345,000 | $ 257,307 | $ 96,000 |
| Grayson, Texas | 11 | $ 2,455,000 | $ 223,181 | $ 150,000 |
| Galveston, Texas | 9 | $ 2,185,000 | $ 242,777 | $ 248,000 |
| Rains, Texas | 8 | $ 1,590,000 | $ 198,750 | $ 95,000 |
| Bexar, Texas | 7 | $ 2,385,000 | $ 340,714 | $ 148,000 |
| Wood, Texas | 7 | $ 1,465,000 | $ 209,285 | $ 96,000 |
| Grimes, Texas | 6 | $ 1,280,000 | $ 213,333 | $ 188,000 |
| Kaufman, Texas | 6 | $ 1,670,000 | $ 278,333 | $ 109,000 |
| McLennan, Texas | 5 | $ 1,705,000 | $ 341,000 | $ 116,000 |
| Robertson, Texas | 5 | $ 985,000 | $ 197,000 | $ 101,000 |
| Bastrop, Texas | 4 | $ 730,000 | $ 182,500 | $ 146,000 |
| Limestone, Texas | 4 | $ 770,000 | $ 192,500 | $ 339,000 |
| Washington, Arkansas | 3 | $ 655,000 | $ 218,333 | $ 869,000 |
| Fannin, Texas | 3 | $ 575,000 | $ 191,666 | $ 92,000 |
| Rusk, Texas | 3 | $ 925,000 | $ 308,333 | $ 117,000 |
| Benton, Arkansas | 2 | $ 1,130,000 | $ 565,000 | $ 501,000 |
| Garland, Arkansas | 2 | $ 1,060,000 | $ 530,000 | $ 597,000 |
| Little River, Arkansas | 2 | $ 550,000 | $ 275,000 | $ 70,000 |
| Johnson, Kansas | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Muskogee, Oklahoma | 2 | $ 930,000 | $ 465,000 | $ 180,000 |
| Brazoria, Texas | 2 | $ 360,000 | $ 180,000 | $ 179,000 |
| Burleson, Texas | 2 | $ 780,000 | $ 390,000 | $ 179,000 |
| Henderson, Texas | 2 | $ 160,000 | $ 80,000 | $ 30,000 |
| Johnson, Texas | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Leon, Texas | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Lubbock, Texas | 2 | $ 320,000 | $ 160,000 | $ 103,000 |
| Marion, Texas | 2 | $ 340,000 | $ 170,000 | $ 106,000 |
| Nueces, Texas | 2 | $ 770,000 | $ 385,000 | $ 390,000 |
| San Jacinto, Texas | 2 | $ 680,000 | $ 340,000 | $ 242,000 |
| Van Zandt, Texas | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Washington, Texas | 2 | $ 580,000 | $ 290,000 | $ 74,000 |
| Hempstead, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 104,000 |
| Nevada, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 130,000 |
| Ouachita, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 156,000 |
| Amador, California | 1 | $ 915,000 | $ 915,000 | $ 332,000 |
| Jefferson, Colorado | 1 | $ 865,000 | $ 865,000 | $ 420,000 |
| Hillsborough, Florida | 1 | $ 235,000 | $ 235,000 | $ 186,000 |
| Marion, Florida | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 505,000 | $ 505,000 | $ 845,000 |
| Orange, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Walton, Florida | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Greeley, Kansas | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Bossier, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| DeSoto, Mississippi | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Colfax, New Mexico | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Carteret, North Carolina | 1 | $ 1,355,000 | $ 1,355,000 | $ 362,000 |
| Choctaw, Oklahoma | 1 | $ 445,000 | $ 445,000 | $ 122,000 |
| Pittsburg, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Pushmataha, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Calhoun, Texas | 1 | $ 155,000 | $ 155,000 | $ 207,000 |
| Cass, Texas | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Chambers, Texas | 1 | $ 325,000 | $ 325,000 | $ 141,000 |
| Cherokee, Texas | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Cooke, Texas | 1 | $ 465,000 | $ 465,000 | $ 62,000 |
| Coryell, Texas | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Ellis, Texas | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Gonzales, Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Guadalupe, Texas | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Hays, Texas | 1 | $ 495,000 | $ 495,000 | $ 277,000 |
| Madison, Texas | 1 | $ 365,000 | $ 365,000 | $ 240,000 |
| Milam, Texas | 1 | $ 175,000 | $ 175,000 | $ 167,000 |
| Montague, Texas | 1 | $ 465,000 | $ 465,000 | $ 255,000 |
| Potter, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Taylor, Texas | 1 | $ 475,000 | $ 475,000 | $ 486,000 |
| Walker, Texas | 1 | $ 95,000 | $ 95,000 | $ 1,000 |
| Waller, Texas | 1 | $ 255,000 | $ 255,000 | $ 262,000 |
| Williamson, Texas | 1 | $ 515,000 | $ 515,000 | $ 203,000 |
| Wilson, Texas | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Wise, Texas | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2020
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 | 793 | $179,195,000 | $225,000 | $1,755,000 | $132,000 | $1,441,000 |
| Refinancing | 399 | $104,435,000 | $261,000 | $2,855,000 | $169,000 | $2,028,000 |
| Cash-out Refinancing | 221 | $47,105,000 | $213,000 | $1,115,000 | $140,000 | $865,000 |
| Home Improvement | 75 | $7,165,000 | $95,000 | $2,005,000 | $243,000 | $6,842,000 |
| Other Purpose | 33 | $4,295,000 | $130,000 | $515,000 | $140,000 | $796,000 |
| 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 | 1,103 | $245,405,000 | $222,000 | $2,005,000 | $155,000 | $6,842,000 |
| Hispanic | 179 | $28,115,000 | $157,000 | $925,000 | $99,000 | $1,860,000 |
| Not applicable | 119 | $38,285,000 | $321,000 | $2,855,000 | $0 | $0 |
| Not Provided | 38 | $10,900,000 | $286,000 | $1,015,000 | $201,000 | $660,000 |
| Asian | 36 | $10,520,000 | $292,000 | $1,005,000 | $203,000 | $753,000 |
| Black or African American | 35 | $6,465,000 | $184,000 | $515,000 | $98,000 | $271,000 |
| American Indian or Alaskan Native | 8 | $1,420,000 | $177,000 | $515,000 | $99,000 | $305,000 |
| Native Hawaiian 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) | 1,352 | $307,890,000 | $227,000 | $2,855,000 | $158,000 | $6,842,000 |
| FHA-insured (Federal Housing Administration) | 98 | $18,030,000 | $183,000 | $335,000 | $78,000 | $750,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $5,290,000 | $146,000 | $385,000 | $58,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 35 | $10,985,000 | $313,000 | $615,000 | $126,000 | $486,000 |
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 | 1,184 | $270,980,000 | $228,000 | $2,855,000 | $150,000 | $6,842,000 |
| Application Denied By Financial Institution | 114 | $20,870,000 | $183,000 | $545,000 | $134,000 | $1,860,000 |
| Application Approved But Not Accepted | 112 | $24,040,000 | $214,000 | $855,000 | $151,000 | $2,028,000 |
| Application Withdrawn By Applicant | 86 | $18,490,000 | $215,000 | $955,000 | $137,000 | $1,042,000 |
| File Closed For Incompleteness | 25 | $7,815,000 | $312,000 | $1,355,000 | $176,000 | $622,000 |
| 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 | 1,407 | $321,325,000 | $228,000 | $2,855,000 | $150,000 | $6,842,000 |
| Credit History | 47 | $6,765,000 | $143,000 | $465,000 | $143,000 | $1,860,000 |
| Debt-To-Income Ratio | 38 | $8,780,000 | $231,000 | $545,000 | $97,000 | $640,000 |
| Unverifiable Information | 10 | $1,990,000 | $199,000 | $375,000 | $333,000 | $1,011,000 |
| Collateral | 9 | $1,665,000 | $185,000 | $515,000 | $98,000 | $232,000 |
| Other | 5 | $505,000 | $101,000 | $155,000 | $58,000 | $103,000 |
| Employment History | 4 | $1,080,000 | $270,000 | $515,000 | $96,000 | $148,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2020 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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