Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,358 mortgage applications totaling $410.1 million, down 11% from 2020. The average application was for $301,980, and applicants reported an average income of $171,435. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (162), College Station-Bryan, TX (140) and Texarkana, TX-AR (140) (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 | 1,358 |
| Total Mortgage Loan Application Amount | $410,090,000 |
| Average Mortgage Loan Application Amount | $301,980 |
| Highest Mortgage Loan Application Amount | $28,665,000 |
| Average Applicant Income | $171,435 |
| Highest Applicant Income | $4,235,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 27,520,000 | $ 181,052 | $ 98,000 |
| Brazos, Texas | 135 | $ 38,845,000 | $ 287,740 | $ 156,000 |
| Titus, Texas | 122 | $ 18,970,000 | $ 155,491 | $ 112,000 |
| Bowie, Texas | 106 | $ 19,710,000 | $ 185,943 | $ 147,000 |
| Hopkins, Texas | 77 | $ 11,785,000 | $ 153,051 | $ 134,000 |
| Harris, Texas | 71 | $ 57,035,000 | $ 803,309 | $ 239,000 |
| Denton, Texas | 67 | $ 22,645,000 | $ 337,985 | $ 206,000 |
| Camp, Texas | 62 | $ 8,870,000 | $ 143,064 | $ 105,000 |
| Franklin, Texas | 41 | $ 8,845,000 | $ 215,731 | $ 152,000 |
| Gregg, Texas | 38 | $ 8,640,000 | $ 227,368 | $ 137,000 |
| Hunt, Texas | 35 | $ 6,665,000 | $ 190,428 | $ 139,000 |
| Montgomery, Texas | 34 | $ 13,380,000 | $ 393,529 | $ 187,000 |
| Miller, Arkansas | 29 | $ 3,735,000 | $ 128,793 | $ 103,000 |
| Harrison, Texas | 27 | $ 5,935,000 | $ 219,814 | $ 149,000 |
| Travis, Texas | 27 | $ 35,145,000 | $ 1,301,666 | $ 434,000 |
| Dallas, Texas | 26 | $ 13,870,000 | $ 533,461 | $ 438,000 |
| Tarrant, Texas | 23 | $ 10,545,000 | $ 458,478 | $ 709,000 |
| Red River, Texas | 22 | $ 2,860,000 | $ 130,000 | $ 139,000 |
| Morris, Texas | 21 | $ 2,535,000 | $ 120,714 | $ 87,000 |
| Rockwall, Texas | 21 | $ 14,475,000 | $ 689,285 | $ 177,000 |
| Cass, Texas | 12 | $ 1,440,000 | $ 120,000 | $ 91,000 |
| Upshur, Texas | 12 | $ 2,150,000 | $ 179,166 | $ 96,000 |
| Fort Bend, Texas | 11 | $ 3,335,000 | $ 303,181 | $ 204,000 |
| Williamson, Texas | 11 | $ 6,995,000 | $ 635,909 | $ 552,000 |
| Wood, Texas | 11 | $ 4,305,000 | $ 391,363 | $ 138,000 |
| Collin, Texas | 10 | $ 2,570,000 | $ 257,000 | $ 398,000 |
| Bexar, Texas | 7 | $ 3,335,000 | $ 476,428 | $ 352,000 |
| Delta, Texas | 7 | $ 1,145,000 | $ 163,571 | $ 149,000 |
| Smith, Texas | 7 | $ 2,455,000 | $ 350,714 | $ 196,000 |
| Cooke, Texas | 6 | $ 2,100,000 | $ 350,000 | $ 194,000 |
| Little River, Arkansas | 5 | $ 785,000 | $ 157,000 | $ 96,000 |
| Fannin, Texas | 5 | $ 1,055,000 | $ 211,000 | $ 118,000 |
| Grayson, Texas | 5 | $ 1,355,000 | $ 271,000 | $ 296,000 |
| Hays, Texas | 5 | $ 8,015,000 | $ 1,603,000 | $ 94,000 |
| McLennan, Texas | 5 | $ 1,745,000 | $ 349,000 | $ 106,000 |
| Van Zandt, Texas | 5 | $ 1,825,000 | $ 365,000 | $ 913,000 |
| Walker, Texas | 5 | $ 1,075,000 | $ 215,000 | $ 102,000 |
| Oklahoma, Oklahoma | 4 | $ 670,000 | $ 167,500 | $ 39,000 |
| Grimes, Texas | 4 | $ 1,170,000 | $ 292,500 | $ 113,000 |
| Nueces, Texas | 4 | $ 1,770,000 | $ 442,500 | $ 0 |
| Waller, Texas | 4 | $ 1,130,000 | $ 282,500 | $ 150,000 |
| Benton, Arkansas | 3 | $ 2,025,000 | $ 675,000 | $ 55,000 |
| Garland, Arkansas | 3 | $ 635,000 | $ 211,666 | $ 91,000 |
| Pike, Arkansas | 3 | $ 325,000 | $ 108,333 | $ 132,000 |
| Burleson, Texas | 3 | $ 615,000 | $ 205,000 | $ 84,000 |
| Comal, Texas | 3 | $ 2,115,000 | $ 705,000 | $ 95,000 |
| Fayette, Texas | 3 | $ 755,000 | $ 251,666 | $ 170,000 |
| Madison, Texas | 3 | $ 255,000 | $ 85,000 | $ 116,000 |
| Jefferson, Colorado | 2 | $ 1,230,000 | $ 615,000 | $ 494,000 |
| Ouachita, Louisiana | 2 | $ 380,000 | $ 190,000 | $ 52,000 |
| Brazoria, Texas | 2 | $ 510,000 | $ 255,000 | $ 230,000 |
| Chambers, Texas | 2 | $ 480,000 | $ 240,000 | $ 100,000 |
| Galveston, Texas | 2 | $ 430,000 | $ 215,000 | $ 189,000 |
| Kaufman, Texas | 2 | $ 160,000 | $ 80,000 | $ 64,000 |
| Leon, Texas | 2 | $ 370,000 | $ 185,000 | $ 140,000 |
| Midland, Texas | 2 | $ 290,000 | $ 145,000 | $ 159,000 |
| Panola, Texas | 2 | $ 340,000 | $ 170,000 | $ 67,000 |
| Robertson, Texas | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Washington, Texas | 2 | $ 1,490,000 | $ 745,000 | $ 90,000 |
| Lafayette, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 107,000 |
| Montgomery, Arkansas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Saline, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Archuleta, Colorado | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Boulder, Colorado | 1 | $ 1,855,000 | $ 1,855,000 | $ 3,322,000 |
| La Plata, Colorado | 1 | $ 1,725,000 | $ 1,725,000 | $ 1,316,000 |
| Miami-Dade, Florida | 1 | $ 85,000 | $ 85,000 | $ 167,000 |
| Butler, Kansas | 1 | $ 65,000 | $ 65,000 | $ 270,000 |
| East Baton Rouge, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gallatin, Montana | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Marshall, Oklahoma | 1 | $ 545,000 | $ 545,000 | $ 5,000 |
| McCurtain, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 196,000 |
| Sevier, Tennessee | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 227,000 |
| Archer, Texas | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| Baylor, Texas | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Bell, Texas | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Blanco, Texas | 1 | $ 295,000 | $ 295,000 | $ 153,000 |
| Burnet, Texas | 1 | $ 375,000 | $ 375,000 | $ 204,000 |
| Cameron, Texas | 1 | $ 475,000 | $ 475,000 | $ 356,000 |
| Eastland, Texas | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Ector, Texas | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Ellis, Texas | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Henderson, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Montague, Texas | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Orange, Texas | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Palo Pinto, Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Polk, Texas | 1 | $ 275,000 | $ 275,000 | $ 454,000 |
| Rains, Texas | 1 | $ 425,000 | $ 425,000 | $ 184,000 |
| Randall, Texas | 1 | $ 345,000 | $ 345,000 | $ 115,000 |
| Rusk, Texas | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Trinity, Texas | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Victoria, Texas | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Wise, Texas | 1 | $ 465,000 | $ 465,000 | $ 287,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2021
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 | 819 | $270,535,000 | $330,000 | $28,665,000 | $185,000 | $4,235,000 |
| Cash-out Refinancing | 222 | $56,160,000 | $252,000 | $2,635,000 | $142,000 | $1,359,000 |
| Refinancing | 210 | $69,250,000 | $329,000 | $7,135,000 | $154,000 | $1,080,000 |
| Home Improvement | 79 | $7,805,000 | $98,000 | $505,000 | $137,000 | $991,000 |
| Other Purpose | 28 | $6,340,000 | $226,000 | $1,505,000 | $236,000 | $3,438,000 |
| 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 | 893 | $239,835,000 | $268,000 | $28,665,000 | $159,000 | $4,235,000 |
| Not applicable | 199 | $98,295,000 | $493,000 | $7,775,000 | $0 | $0 |
| Hispanic | 143 | $28,135,000 | $196,000 | $4,825,000 | $136,000 | $3,249,000 |
| Not Provided | 51 | $24,845,000 | $487,000 | $6,005,000 | $271,000 | $3,438,000 |
| Asian | 35 | $11,335,000 | $323,000 | $1,375,000 | $497,000 | $2,019,000 |
| Black or African American | 25 | $5,125,000 | $205,000 | $1,115,000 | $129,000 | $837,000 |
| American Indian or Alaskan Native | 11 | $2,075,000 | $188,000 | $335,000 | $135,000 | $378,000 |
| 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) | 1,270 | $391,070,000 | $307,000 | $28,665,000 | $178,000 | $4,235,000 |
| FHA-insured (Federal Housing Administration) | 47 | $9,005,000 | $191,000 | $325,000 | $66,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 24 | $7,360,000 | $306,000 | $975,000 | $108,000 | $308,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,655,000 | $156,000 | $205,000 | $61,000 | $81,000 |
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 | 1,061 | $312,115,000 | $294,000 | $7,775,000 | $172,000 | $3,322,000 |
| Application Denied By Financial Institution | 137 | $24,955,000 | $182,000 | $1,505,000 | $100,000 | $991,000 |
| Application Approved But Not Accepted | 93 | $25,195,000 | $270,000 | $1,355,000 | $234,000 | $4,235,000 |
| Application Withdrawn By Applicant | 57 | $45,205,000 | $793,000 | $28,665,000 | $221,000 | $3,438,000 |
| File Closed For Incompleteness | 10 | $2,620,000 | $262,000 | $505,000 | $199,000 | $547,000 |
| 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 | 1,221 | $385,135,000 | $315,000 | $28,665,000 | $180,000 | $4,235,000 |
| Credit History | 61 | $7,535,000 | $123,000 | $305,000 | $91,000 | $768,000 |
| Debt-To-Income Ratio | 50 | $12,030,000 | $240,000 | $1,505,000 | $78,000 | $226,000 |
| Collateral | 14 | $2,890,000 | $206,000 | $455,000 | $197,000 | $991,000 |
| Other | 5 | $1,045,000 | $209,000 | $545,000 | $199,000 | $513,000 |
| Unverifiable Information | 3 | $625,000 | $208,000 | $285,000 | $33,000 | $78,000 |
| Employment History | 2 | $290,000 | $145,000 | $155,000 | $72,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $130,000 | $130,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2021 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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