Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,013 mortgage applications totaling $344.9 million, down 25% from 2021. The average application was for $340,478, and applicants reported an average income of $177,262. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (121), College Station-Bryan, TX (113) and Texarkana, TX-AR (93) (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 | 1,013 |
| Total Mortgage Loan Application Amount | $344,905,000 |
| Average Mortgage Loan Application Amount | $340,478 |
| Highest Mortgage Loan Application Amount | $21,375,000 |
| Average Applicant Income | $177,262 |
| Highest Applicant Income | $2,019,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Brazos, Texas | 102 | $ 47,500,000 | $ 465,686 | $ 219,000 |
| Titus, Texas | 98 | $ 19,110,000 | $ 195,000 | $ 118,000 |
| Lamar, Texas | 90 | $ 13,340,000 | $ 148,222 | $ 115,000 |
| Bowie, Texas | 74 | $ 13,720,000 | $ 185,405 | $ 170,000 |
| Hopkins, Texas | 69 | $ 14,865,000 | $ 215,434 | $ 156,000 |
| Denton, Texas | 43 | $ 37,255,000 | $ 866,395 | $ 344,000 |
| Camp, Texas | 38 | $ 7,630,000 | $ 200,789 | $ 128,000 |
| Gregg, Texas | 37 | $ 7,625,000 | $ 206,081 | $ 125,000 |
| Harris, Texas | 35 | $ 16,755,000 | $ 478,714 | $ 283,000 |
| Franklin, Texas | 29 | $ 5,505,000 | $ 189,827 | $ 97,000 |
| Red River, Texas | 28 | $ 4,200,000 | $ 150,000 | $ 84,000 |
| Dallas, Texas | 27 | $ 19,545,000 | $ 723,888 | $ 583,000 |
| Harrison, Texas | 25 | $ 11,995,000 | $ 479,800 | $ 149,000 |
| Hunt, Texas | 25 | $ 5,865,000 | $ 234,600 | $ 165,000 |
| Montgomery, Texas | 25 | $ 8,405,000 | $ 336,200 | $ 234,000 |
| Travis, Texas | 20 | $ 29,270,000 | $ 1,463,500 | $ 344,000 |
| Tarrant, Texas | 19 | $ 8,365,000 | $ 440,263 | $ 363,000 |
| Miller, Arkansas | 18 | $ 3,300,000 | $ 183,333 | $ 132,000 |
| Rockwall, Texas | 13 | $ 4,075,000 | $ 313,461 | $ 174,000 |
| Collin, Texas | 12 | $ 5,920,000 | $ 493,333 | $ 337,000 |
| Morris, Texas | 12 | $ 1,480,000 | $ 123,333 | $ 83,000 |
| Wood, Texas | 12 | $ 2,630,000 | $ 219,166 | $ 235,000 |
| Cass, Texas | 11 | $ 2,025,000 | $ 184,090 | $ 121,000 |
| Upshur, Texas | 10 | $ 2,450,000 | $ 245,000 | $ 113,000 |
| Smith, Texas | 8 | $ 3,250,000 | $ 406,250 | $ 255,000 |
| Delta, Texas | 7 | $ 945,000 | $ 135,000 | $ 82,000 |
| Grimes, Texas | 7 | $ 2,005,000 | $ 286,428 | $ 220,000 |
| Robertson, Texas | 7 | $ 1,565,000 | $ 223,571 | $ 133,000 |
| Rains, Texas | 5 | $ 1,295,000 | $ 259,000 | $ 143,000 |
| Taylor, Texas | 5 | $ 345,000 | $ 69,000 | $ 0 |
| Van Zandt, Texas | 5 | $ 2,515,000 | $ 503,000 | $ 180,000 |
| Burleson, Texas | 4 | $ 1,330,000 | $ 332,500 | $ 160,000 |
| Cooke, Texas | 4 | $ 840,000 | $ 210,000 | $ 46,000 |
| Galveston, Texas | 4 | $ 1,530,000 | $ 382,500 | $ 282,000 |
| McLennan, Texas | 4 | $ 1,950,000 | $ 487,500 | $ 120,000 |
| Hays, Texas | 3 | $ 2,495,000 | $ 831,666 | $ 401,000 |
| Rusk, Texas | 3 | $ 305,000 | $ 101,666 | $ 158,000 |
| Williamson, Texas | 3 | $ 1,195,000 | $ 398,333 | $ 172,000 |
| Pulaski, Arkansas | 2 | $ 400,000 | $ 200,000 | $ 66,000 |
| Lafayette, Mississippi | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Choctaw, Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Bexar, Texas | 2 | $ 280,000 | $ 140,000 | $ 239,000 |
| Brazoria, Texas | 2 | $ 730,000 | $ 365,000 | $ 464,000 |
| Caldwell, Texas | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Cameron, Texas | 2 | $ 1,070,000 | $ 535,000 | $ 81,000 |
| Cherokee, Texas | 2 | $ 230,000 | $ 115,000 | $ 75,000 |
| Comal, Texas | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Fort Bend, Texas | 2 | $ 470,000 | $ 235,000 | $ 141,000 |
| Grayson, Texas | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Hood, Texas | 2 | $ 7,610,000 | $ 3,805,000 | $ 859,000 |
| Johnson, Texas | 2 | $ 740,000 | $ 370,000 | $ 167,000 |
| Milam, Texas | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Walker, Texas | 2 | $ 480,000 | $ 240,000 | $ 71,000 |
| Waller, Texas | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Washington, Texas | 2 | $ 320,000 | $ 160,000 | $ 113,000 |
| Wise, Texas | 2 | $ 2,000,000 | $ 1,000,000 | $ 222,000 |
| Mobile, Alabama | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Garland, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Little River, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Washington, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Eagle, Colorado | 1 | $ 875,000 | $ 875,000 | $ 401,000 |
| Bay, Florida | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Escambia, Florida | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Okaloosa, Florida | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Marshall, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Macomb, Michigan | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Carter, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cleveland, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 161,000 |
| McClain, Oklahoma | 1 | $ 445,000 | $ 445,000 | $ 123,000 |
| McCurtain, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Pushmataha, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Walworth, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Angelina, Texas | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Austin, Texas | 1 | $ 305,000 | $ 305,000 | $ 302,000 |
| Bastrop, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bell, Texas | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Bosque, Texas | 1 | $ 595,000 | $ 595,000 | $ 161,000 |
| Coleman, Texas | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Ellis, Texas | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Falls, Texas | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Fannin, Texas | 1 | $ 455,000 | $ 455,000 | $ 210,000 |
| Henderson, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hill, Texas | 1 | $ 195,000 | $ 195,000 | $ 212,000 |
| Lubbock, Texas | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Madison, Texas | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Marion, Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| McCulloch, Texas | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Nueces, Texas | 1 | $ 595,000 | $ 595,000 | $ 334,000 |
| Orange, Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Palo Pinto, Texas | 1 | $ 365,000 | $ 365,000 | $ 1,153,000 |
| Shelby, Texas | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust 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'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'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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