Guaranty Bank & Trust, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Guaranty Bank & Trust, N.A. 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Guaranty Bank & Trust, N.A. 100 W Arkansas St Mount Pleasant, TX 75455 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 1,013 |
| Total Mortgage Loan Application Amount | $344,905,000 |
| Average Mortgage Loan Application Amount | $261,800 |
| Highest Mortgage Loan Application Amount | $21,375,000 |
| Average Applicant Income | $174,600 |
| Highest Applicant Income | $2,019,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Guaranty Bank & Trust, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guaranty Bank & Trust, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Guaranty Bank & Trust, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guaranty Bank & Trust, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Guaranty Bank & Trust, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guaranty Bank & Trust, N.A.'s mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brazos County Texas | 102 | $ 47,500,000 | $ 465,000 | $ 219,000 |
| Titus County Texas | 98 | $ 19,110,000 | $ 195,000 | $ 118,000 |
| Lamar County Texas | 90 | $ 13,340,000 | $ 148,000 | $ 115,000 |
| Bowie County Texas | 74 | $ 13,720,000 | $ 185,000 | $ 170,000 |
| Hopkins County Texas | 69 | $ 14,865,000 | $ 215,000 | $ 156,000 |
| Denton County Texas | 43 | $ 37,255,000 | $ 866,000 | $ 344,000 |
| Camp County Texas | 38 | $ 7,630,000 | $ 200,000 | $ 128,000 |
| Gregg County Texas | 37 | $ 7,625,000 | $ 206,000 | $ 125,000 |
| Harris County Texas | 35 | $ 16,755,000 | $ 478,000 | $ 283,000 |
| Franklin County Texas | 29 | $ 5,505,000 | $ 189,000 | $ 97,000 |
| Red River County Texas | 28 | $ 4,200,000 | $ 150,000 | $ 84,000 |
| Dallas County Texas | 27 | $ 19,545,000 | $ 723,000 | $ 583,000 |
| Harrison County Texas | 25 | $ 11,995,000 | $ 479,000 | $ 149,000 |
| Hunt County Texas | 25 | $ 5,865,000 | $ 234,000 | $ 165,000 |
| Montgomery County Texas | 25 | $ 8,405,000 | $ 336,000 | $ 234,000 |
| Travis County Texas | 20 | $ 29,270,000 | $ 1,463,000 | $ 344,000 |
| Tarrant County Texas | 19 | $ 8,365,000 | $ 440,000 | $ 363,000 |
| Miller County Arkansas | 18 | $ 3,300,000 | $ 183,000 | $ 132,000 |
| Rockwall County Texas | 13 | $ 4,075,000 | $ 313,000 | $ 174,000 |
| Collin County Texas | 12 | $ 5,920,000 | $ 493,000 | $ 337,000 |
| Morris County Texas | 12 | $ 1,480,000 | $ 123,000 | $ 83,000 |
| Wood County Texas | 12 | $ 2,630,000 | $ 219,000 | $ 235,000 |
| Cass County Texas | 11 | $ 2,025,000 | $ 184,000 | $ 121,000 |
| Upshur County Texas | 10 | $ 2,450,000 | $ 245,000 | $ 113,000 |
| Smith County Texas | 8 | $ 3,250,000 | $ 406,000 | $ 255,000 |
| Delta County Texas | 7 | $ 945,000 | $ 135,000 | $ 82,000 |
| Grimes County Texas | 7 | $ 2,005,000 | $ 286,000 | $ 220,000 |
| Robertson County Texas | 7 | $ 1,565,000 | $ 223,000 | $ 133,000 |
| Rains County Texas | 5 | $ 1,295,000 | $ 259,000 | $ 143,000 |
| Taylor County Texas | 5 | $ 345,000 | $ 69,000 | $ 0 |
| Van Zandt County Texas | 5 | $ 2,515,000 | $ 503,000 | $ 180,000 |
| Burleson County Texas | 4 | $ 1,330,000 | $ 332,000 | $ 160,000 |
| Cooke County Texas | 4 | $ 840,000 | $ 210,000 | $ 46,000 |
| Galveston County Texas | 4 | $ 1,530,000 | $ 382,000 | $ 282,000 |
| McLennan County Texas | 4 | $ 1,950,000 | $ 487,000 | $ 120,000 |
| Hays County Texas | 3 | $ 2,495,000 | $ 831,000 | $ 401,000 |
| Rusk County Texas | 3 | $ 305,000 | $ 101,000 | $ 158,000 |
| Williamson County Texas | 3 | $ 1,195,000 | $ 398,000 | $ 172,000 |
| Pulaski County Arkansas | 2 | $ 400,000 | $ 200,000 | $ 66,000 |
| Lafayette County Mississippi | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Choctaw County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Bexar County Texas | 2 | $ 280,000 | $ 140,000 | $ 239,000 |
| Brazoria County Texas | 2 | $ 730,000 | $ 365,000 | $ 464,000 |
| Caldwell County Texas | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Cameron County Texas | 2 | $ 1,070,000 | $ 535,000 | $ 81,000 |
| Cherokee County Texas | 2 | $ 230,000 | $ 115,000 | $ 75,000 |
| Comal County Texas | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 470,000 | $ 235,000 | $ 141,000 |
| Grayson County Texas | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Hood County Texas | 2 | $ 7,610,000 | $ 3,805,000 | $ 859,000 |
| Johnson County Texas | 2 | $ 740,000 | $ 370,000 | $ 167,000 |
| Milam County Texas | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Walker County Texas | 2 | $ 480,000 | $ 240,000 | $ 71,000 |
| Waller County Texas | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Washington County Texas | 2 | $ 320,000 | $ 160,000 | $ 113,000 |
| Wise County Texas | 2 | $ 2,000,000 | $ 1,000,000 | $ 222,000 |
| Mobile County Alabama | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Garland County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Little River County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Washington County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Eagle County Colorado | 1 | $ 875,000 | $ 875,000 | $ 401,000 |
| Bay County Florida | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Escambia County Florida | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Okaloosa County Florida | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Marshall County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Macomb County Michigan | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Carter County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 161,000 |
| McClain County Oklahoma | 1 | $ 445,000 | $ 445,000 | $ 123,000 |
| McCurtain County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Pushmataha County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Walworth County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Angelina County Texas | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Austin County Texas | 1 | $ 305,000 | $ 305,000 | $ 302,000 |
| Bastrop County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bell County Texas | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Bosque County Texas | 1 | $ 595,000 | $ 595,000 | $ 161,000 |
| Coleman County Texas | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Ellis County Texas | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Falls County Texas | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Fannin County Texas | 1 | $ 455,000 | $ 455,000 | $ 210,000 |
| Henderson County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hill County Texas | 1 | $ 195,000 | $ 195,000 | $ 212,000 |
| Lubbock County Texas | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Madison County Texas | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Marion County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| McCulloch County Texas | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Nueces County Texas | 1 | $ 595,000 | $ 595,000 | $ 334,000 |
| Orange County Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Palo Pinto County Texas | 1 | $ 365,000 | $ 365,000 | $ 1,153,000 |
| Shelby County Texas | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust, N.A. in 2022
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 | 678 | $255,890,000 | $377,000 | $21,375,000 | $183,000 | $2,019,000 |
| Cash-out Refinancing | 152 | $54,400,000 | $357,000 | $10,705,000 | $141,000 | $1,153,000 |
| Home Improvement | 75 | $9,965,000 | $132,000 | $705,000 | $222,000 | $726,000 |
| Refinancing | 67 | $16,595,000 | $247,000 | $1,025,000 | $154,000 | $1,069,000 |
| Other Purpose | 41 | $8,055,000 | $196,000 | $1,005,000 | $173,000 | $1,454,000 |
| 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 | 641 | $181,975,000 | $283,000 | $3,505,000 | $181,000 | $1,800,000 |
| Not applicable | 192 | $119,540,000 | $622,000 | $21,375,000 | $0 | $0 |
| Hispanic | 102 | $16,370,000 | $160,000 | $645,000 | $88,000 | $1,069,000 |
| Not Provided | 26 | $9,870,000 | $379,000 | $1,575,000 | $195,000 | $1,223,000 |
| Black or African American | 21 | $3,845,000 | $183,000 | $395,000 | $89,000 | $208,000 |
| Asian | 20 | $8,170,000 | $408,000 | $2,715,000 | $534,000 | $2,019,000 |
| American Indian or Alaskan Native | 6 | $2,040,000 | $340,000 | $655,000 | $233,000 | $548,000 |
| 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) | 958 | $331,860,000 | $346,000 | $21,375,000 | $184,000 | $2,019,000 |
| FHA-insured (Federal Housing Administration) | 38 | $8,500,000 | $223,000 | $425,000 | $89,000 | $282,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,680,000 | $306,000 | $595,000 | $118,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $865,000 | $173,000 | $195,000 | $68,000 | $100,000 |
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 | 808 | $293,600,000 | $363,000 | $21,375,000 | $192,000 | $2,019,000 |
| Application Denied By Financial Institution | 86 | $16,540,000 | $192,000 | $845,000 | $98,000 | $375,000 |
| Application Withdrawn By Applicant | 55 | $16,565,000 | $301,000 | $3,425,000 | $138,000 | $1,443,000 |
| Application Approved But Not Accepted | 55 | $13,085,000 | $237,000 | $1,305,000 | $168,000 | $1,069,000 |
| File Closed For Incompleteness | 9 | $5,115,000 | $568,000 | $1,445,000 | $197,000 | $496,000 |
| 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 | 927 | $328,365,000 | $354,000 | $21,375,000 | $186,000 | $2,019,000 |
| Credit History | 29 | $5,195,000 | $179,000 | $575,000 | $103,000 | $375,000 |
| Debt-To-Income Ratio | 27 | $5,925,000 | $219,000 | $845,000 | $71,000 | $300,000 |
| Collateral | 15 | $1,955,000 | $130,000 | $495,000 | $85,000 | $270,000 |
| Other | 7 | $1,555,000 | $222,000 | $455,000 | $177,000 | $372,000 |
| Employment History | 5 | $1,325,000 | $265,000 | $405,000 | $109,000 | $190,000 |
| Unverifiable Information | 3 | $585,000 | $195,000 | $445,000 | $164,000 | $326,000 |
| 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, N.A.'s 2022 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, N.A.'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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