Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Guaranty Bank & Trust of Mt Pleasant, TX reported 644 mortgage applications totaling $162.8 million, down 36% from 2022. The average application was for $252,795, and applicants reported an average income of $148,779. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Texarkana, TX-AR (68), Dallas-Plano-Irving, TX (62) and College Station-Bryan, TX (60) (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 | 644 |
| Total Mortgage Loan Application Amount | $162,800,000 |
| Average Mortgage Loan Application Amount | $252,795 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $148,779 |
| Highest Applicant Income | $1,222,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Titus, Texas | 64 | $ 9,690,000 | $ 151,406 | $ 113,000 |
| Bowie, Texas | 56 | $ 9,210,000 | $ 164,464 | $ 130,000 |
| Lamar, Texas | 56 | $ 8,570,000 | $ 153,035 | $ 91,000 |
| Brazos, Texas | 53 | $ 17,735,000 | $ 334,622 | $ 162,000 |
| Hopkins, Texas | 51 | $ 10,445,000 | $ 204,803 | $ 133,000 |
| Camp, Texas | 46 | $ 8,020,000 | $ 174,347 | $ 131,000 |
| Hunt, Texas | 26 | $ 5,620,000 | $ 216,153 | $ 120,000 |
| Gregg, Texas | 18 | $ 3,300,000 | $ 183,333 | $ 166,000 |
| Montgomery, Texas | 17 | $ 6,625,000 | $ 389,705 | $ 236,000 |
| Harris, Texas | 16 | $ 7,770,000 | $ 485,625 | $ 340,000 |
| Red River, Texas | 16 | $ 1,570,000 | $ 98,125 | $ 71,000 |
| Franklin, Texas | 15 | $ 3,125,000 | $ 208,333 | $ 216,000 |
| Tarrant, Texas | 13 | $ 6,265,000 | $ 481,923 | $ 163,000 |
| Upshur, Texas | 13 | $ 2,065,000 | $ 158,846 | $ 100,000 |
| Miller, Arkansas | 12 | $ 2,620,000 | $ 218,333 | $ 142,000 |
| Morris, Texas | 12 | $ 1,220,000 | $ 101,666 | $ 80,000 |
| Dallas, Texas | 10 | $ 6,600,000 | $ 660,000 | $ 228,000 |
| Denton, Texas | 10 | $ 2,950,000 | $ 295,000 | $ 206,000 |
| Wood, Texas | 10 | $ 2,650,000 | $ 265,000 | $ 149,000 |
| Harrison, Texas | 9 | $ 1,835,000 | $ 203,888 | $ 140,000 |
| Travis, Texas | 8 | $ 4,750,000 | $ 593,750 | $ 210,000 |
| Williamson, Texas | 8 | $ 4,240,000 | $ 530,000 | $ 410,000 |
| Delta, Texas | 7 | $ 1,775,000 | $ 253,571 | $ 104,000 |
| Cass, Texas | 6 | $ 790,000 | $ 131,666 | $ 92,000 |
| Collin, Texas | 6 | $ 2,500,000 | $ 416,666 | $ 153,000 |
| Rockwall, Texas | 6 | $ 5,520,000 | $ 920,000 | $ 283,000 |
| East Baton Rouge, Louisiana | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Grimes, Texas | 4 | $ 1,830,000 | $ 457,500 | $ 298,000 |
| Robertson, Texas | 4 | $ 760,000 | $ 190,000 | $ 99,000 |
| Smith, Texas | 4 | $ 960,000 | $ 240,000 | $ 165,000 |
| Burleson, Texas | 3 | $ 1,535,000 | $ 511,666 | $ 406,000 |
| Cooke, Texas | 3 | $ 455,000 | $ 151,666 | $ 198,000 |
| Ellis, Texas | 3 | $ 925,000 | $ 308,333 | $ 186,000 |
| Waller, Texas | 3 | $ 1,255,000 | $ 418,333 | $ 0 |
| Stephens, Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 102,000 |
| Bexar, Texas | 2 | $ 620,000 | $ 310,000 | $ 165,000 |
| Fannin, Texas | 2 | $ 740,000 | $ 370,000 | $ 71,000 |
| Henderson, Texas | 2 | $ 230,000 | $ 115,000 | $ 218,000 |
| Lubbock, Texas | 2 | $ 730,000 | $ 365,000 | $ 168,000 |
| Marion, Texas | 2 | $ 170,000 | $ 85,000 | $ 208,000 |
| Nueces, Texas | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Wise, Texas | 2 | $ 850,000 | $ 425,000 | $ 151,000 |
| Garland, Arkansas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Hempstead, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Nevada, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pike, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Washington, Arkansas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Eagle, Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Hall, Georgia | 1 | $ 265,000 | $ 265,000 | $ 25,000 |
| Clearwater, Idaho | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Johnson, Kansas | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| Jefferson, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Lafayette, Mississippi | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Clark, Nevada | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Carter, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Choctaw, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Oklahoma, Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 355,000 |
| Washington, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Anderson, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Brown, Texas | 1 | $ 605,000 | $ 605,000 | $ 134,000 |
| Burnet, Texas | 1 | $ 945,000 | $ 945,000 | $ 333,000 |
| Cherokee, Texas | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Gillespie, Texas | 1 | $ 305,000 | $ 305,000 | $ 393,000 |
| Guadalupe, Texas | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Hamilton, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hays, Texas | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Jim Hogg, Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Johnson, Texas | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Kaufman, Texas | 1 | $ 1,905,000 | $ 1,905,000 | $ 484,000 |
| Leon, Texas | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| Liberty, Texas | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Matagorda, Texas | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Orange, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 255,000 | $ 255,000 | $ 782,000 |
| Polk, Texas | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Van Zandt, Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Tooele, Utah | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2023
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 | 446 | $132,880,000 | $297,000 | $1,905,000 | $153,000 | $1,043,000 |
| Home Improvement | 73 | $7,215,000 | $98,000 | $455,000 | $162,000 | $1,222,000 |
| Cash-out Refinancing | 50 | $8,610,000 | $172,000 | $765,000 | $110,000 | $417,000 |
| Other Purpose | 50 | $6,360,000 | $127,000 | $615,000 | $134,000 | $759,000 |
| Refinancing | 25 | $7,735,000 | $309,000 | $1,305,000 | $142,000 | $441,000 |
| 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 | 368 | $87,210,000 | $236,000 | $1,685,000 | $150,000 | $1,222,000 |
| Not applicable | 122 | $39,260,000 | $321,000 | $1,805,000 | $0 | $0 |
| Hispanic | 88 | $16,580,000 | $188,000 | $1,905,000 | $121,000 | $949,000 |
| Not Provided | 28 | $9,120,000 | $325,000 | $1,175,000 | $171,000 | $759,000 |
| Black or African American | 15 | $2,435,000 | $162,000 | $405,000 | $116,000 | $250,000 |
| Asian | 14 | $5,840,000 | $417,000 | $1,165,000 | $295,000 | $1,043,000 |
| American Indian or Alaskan Native | 6 | $1,100,000 | $183,000 | $235,000 | $89,000 | $135,000 |
| 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) | 589 | $150,855,000 | $256,000 | $1,905,000 | $156,000 | $1,222,000 |
| FHA-insured (Federal Housing Administration) | 41 | $9,075,000 | $221,000 | $445,000 | $87,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,150,000 | $143,000 | $175,000 | $67,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,720,000 | $286,000 | $465,000 | $101,000 | $163,000 |
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 | 497 | $124,005,000 | $249,000 | $1,905,000 | $151,000 | $1,043,000 |
| Application Denied By Financial Institution | 61 | $15,125,000 | $247,000 | $1,305,000 | $140,000 | $1,222,000 |
| Application Withdrawn By Applicant | 53 | $14,615,000 | $275,000 | $1,175,000 | $130,000 | $494,000 |
| Application Approved But Not Accepted | 32 | $8,950,000 | $279,000 | $1,235,000 | $180,000 | $957,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $149,000 | $149,000 |
| 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 | 583 | $147,675,000 | $253,000 | $1,905,000 | $150,000 | $1,043,000 |
| Credit History | 24 | $5,160,000 | $215,000 | $1,305,000 | $156,000 | $1,222,000 |
| Debt-To-Income Ratio | 24 | $6,570,000 | $273,000 | $725,000 | $90,000 | $433,000 |
| Collateral | 6 | $1,310,000 | $218,000 | $525,000 | $122,000 | $204,000 |
| Other | 4 | $1,190,000 | $297,000 | $945,000 | $232,000 | $333,000 |
| Unverifiable Information | 1 | $505,000 | $505,000 | $505,000 | $949,000 | $949,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $71,000 | $71,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $79,000 | $79,000 |
| Employment History | 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 2023 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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