Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Guaranty Bank & Trust of Mt Pleasant, TX reported 571 mortgage applications totaling $152.6 million, down 11% from 2023. The average application was for $267,189, and applicants reported an average income of $195,255. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (63), Texarkana, TX-AR (57) and College Station-Bryan, TX (41) (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 | 571 |
| Total Mortgage Loan Application Amount | $152,565,000 |
| Average Mortgage Loan Application Amount | $267,189 |
| Highest Mortgage Loan Application Amount | $5,745,000 |
| Average Applicant Income | $195,255 |
| Highest Applicant Income | $4,545,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 17,330,000 | $ 184,361 | $ 102,000 |
| Titus, Texas | 68 | $ 11,140,000 | $ 163,823 | $ 198,000 |
| Bowie, Texas | 48 | $ 8,530,000 | $ 177,708 | $ 167,000 |
| Brazos, Texas | 38 | $ 13,530,000 | $ 356,052 | $ 357,000 |
| Camp, Texas | 35 | $ 5,325,000 | $ 152,142 | $ 107,000 |
| Hopkins, Texas | 28 | $ 5,410,000 | $ 193,214 | $ 127,000 |
| Hunt, Texas | 25 | $ 6,765,000 | $ 270,600 | $ 188,000 |
| Denton, Texas | 16 | $ 7,690,000 | $ 480,625 | $ 290,000 |
| Franklin, Texas | 14 | $ 1,860,000 | $ 132,857 | $ 117,000 |
| Harris, Texas | 13 | $ 4,435,000 | $ 341,153 | $ 553,000 |
| Dallas, Texas | 12 | $ 7,410,000 | $ 617,500 | $ 1,430,000 |
| Red River, Texas | 12 | $ 2,420,000 | $ 201,666 | $ 98,000 |
| Gregg, Texas | 10 | $ 1,790,000 | $ 179,000 | $ 163,000 |
| Tarrant, Texas | 9 | $ 2,745,000 | $ 305,000 | $ 202,000 |
| Miller, Arkansas | 8 | $ 990,000 | $ 123,750 | $ 293,000 |
| Montgomery, Texas | 7 | $ 1,885,000 | $ 269,285 | $ 183,000 |
| Morris, Texas | 7 | $ 825,000 | $ 117,857 | $ 77,000 |
| Delta, Texas | 6 | $ 950,000 | $ 158,333 | $ 109,000 |
| Grimes, Texas | 6 | $ 1,390,000 | $ 231,666 | $ 126,000 |
| Harrison, Texas | 6 | $ 2,210,000 | $ 368,333 | $ 130,000 |
| Smith, Texas | 6 | $ 4,360,000 | $ 726,666 | $ 171,000 |
| Cass, Texas | 5 | $ 765,000 | $ 153,000 | $ 121,000 |
| Rockwall, Texas | 5 | $ 2,415,000 | $ 483,000 | $ 387,000 |
| Galveston, Texas | 4 | $ 1,060,000 | $ 265,000 | $ 165,000 |
| Grayson, Texas | 4 | $ 1,770,000 | $ 442,500 | $ 160,000 |
| Hays, Texas | 4 | $ 7,840,000 | $ 1,960,000 | $ 699,000 |
| Upshur, Texas | 4 | $ 770,000 | $ 192,500 | $ 108,000 |
| Williamson, Texas | 4 | $ 1,880,000 | $ 470,000 | $ 210,000 |
| Wood, Texas | 4 | $ 530,000 | $ 132,500 | $ 107,000 |
| Collin, Texas | 3 | $ 1,705,000 | $ 568,333 | $ 137,000 |
| Robertson, Texas | 3 | $ 775,000 | $ 258,333 | $ 160,000 |
| Travis, Texas | 3 | $ 1,945,000 | $ 648,333 | $ 681,000 |
| Waller, Texas | 3 | $ 1,365,000 | $ 455,000 | $ 130,000 |
| Garland, Arkansas | 2 | $ 350,000 | $ 175,000 | $ 287,000 |
| Lincoln, Louisiana | 2 | $ 260,000 | $ 130,000 | $ 31,000 |
| Comal, Texas | 2 | $ 800,000 | $ 400,000 | $ 0 |
| Cooke, Texas | 2 | $ 760,000 | $ 380,000 | $ 183,000 |
| Fannin, Texas | 2 | $ 510,000 | $ 255,000 | $ 43,000 |
| Limestone, Texas | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Madison, Texas | 2 | $ 220,000 | $ 110,000 | $ 117,000 |
| Nueces, Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Rusk, Texas | 2 | $ 540,000 | $ 270,000 | $ 124,000 |
| Benton, Arkansas | 1 | $ 405,000 | $ 405,000 | $ 1,082,000 |
| Independence, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Lincoln, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 370,000 |
| Little River, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Sevier, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Washington, Arkansas | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Los Angeles, California | 1 | $ 765,000 | $ 765,000 | $ 232,000 |
| La Plata, Colorado | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Fremont, Idaho | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Rice, Kansas | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Bossier, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| York, Maine | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Gallatin, Montana | 1 | $ 2,905,000 | $ 2,905,000 | $ 0 |
| Washington, New York | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Cuyahoga, Ohio | 1 | $ 105,000 | $ 105,000 | $ 309,000 |
| Bexar, Texas | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Brazoria, Texas | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Cherokee, Texas | 1 | $ 65,000 | $ 65,000 | $ 442,000 |
| Ellis, Texas | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Fort Bend, Texas | 1 | $ 45,000 | $ 45,000 | $ 162,000 |
| Gillespie, Texas | 1 | $ 805,000 | $ 805,000 | $ 154,000 |
| Kaufman, Texas | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Kendall, Texas | 1 | $ 505,000 | $ 505,000 | $ 240,000 |
| Matagorda, Texas | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Maverick, Texas | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| McLennan, Texas | 1 | $ 625,000 | $ 625,000 | $ 712,000 |
| Midland, Texas | 1 | $ 495,000 | $ 495,000 | $ 479,000 |
| Orange, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Panola, Texas | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Parker, Texas | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Rains, Texas | 1 | $ 995,000 | $ 995,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Van Zandt, Texas | 1 | $ 545,000 | $ 545,000 | $ 276,000 |
| Wise, Texas | 1 | $ 445,000 | $ 445,000 | $ 143,000 |
| Wasatch, Utah | 1 | $ 805,000 | $ 805,000 | $ 146,000 |
| Campbell, Virginia | 1 | $ 175,000 | $ 175,000 | $ 274,000 |
| Lynchburg, Virginia | 1 | $ 175,000 | $ 175,000 | $ 274,000 |
| Spokane, Washington | 1 | $ 265,000 | $ 265,000 | $ 309,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2024
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 | 394 | $124,540,000 | $316,000 | $5,745,000 | $209,000 | $4,545,000 |
| Home Improvement | 63 | $5,385,000 | $85,000 | $455,000 | $120,000 | $468,000 |
| Cash-out Refinancing | 54 | $9,990,000 | $185,000 | $615,000 | $160,000 | $1,306,000 |
| Other Purpose | 41 | $7,005,000 | $170,000 | $1,505,000 | $230,000 | $2,558,000 |
| Refinancing | 19 | $5,645,000 | $297,000 | $885,000 | $185,000 | $1,184,000 |
| 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 | 305 | $76,245,000 | $249,000 | $2,245,000 | $219,000 | $4,545,000 |
| Not applicable | 100 | $40,650,000 | $406,000 | $5,745,000 | $0 | $0 |
| Hispanic | 91 | $15,285,000 | $167,000 | $1,475,000 | $145,000 | $2,700,000 |
| Not Provided | 32 | $10,630,000 | $332,000 | $1,505,000 | $165,000 | $594,000 |
| Asian | 16 | $5,030,000 | $314,000 | $1,145,000 | $213,000 | $798,000 |
| Black or African American | 16 | $2,980,000 | $186,000 | $765,000 | $111,000 | $579,000 |
| American Indian or Alaskan Native | 11 | $1,745,000 | $158,000 | $345,000 | $133,000 | $414,000 |
| 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) | 499 | $137,415,000 | $275,000 | $5,745,000 | $216,000 | $4,545,000 |
| FHA-insured (Federal Housing Administration) | 49 | $9,965,000 | $203,000 | $345,000 | $80,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,250,000 | $270,000 | $505,000 | $82,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,935,000 | $175,000 | $225,000 | $70,000 | $107,000 |
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 | 445 | $123,015,000 | $276,000 | $5,745,000 | $213,000 | $4,545,000 |
| Application Denied By Financial Institution | 54 | $10,680,000 | $197,000 | $805,000 | $100,000 | $579,000 |
| Application Withdrawn By Applicant | 43 | $10,745,000 | $249,000 | $1,475,000 | $169,000 | $2,700,000 |
| Application Approved But Not Accepted | 28 | $7,720,000 | $275,000 | $1,505,000 | $199,000 | $1,048,000 |
| File Closed For Incompleteness | 1 | $405,000 | $405,000 | $405,000 | $130,000 | $130,000 |
| 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 | 517 | $141,885,000 | $274,000 | $5,745,000 | $207,000 | $4,545,000 |
| Debt-To-Income Ratio | 23 | $6,145,000 | $267,000 | $805,000 | $110,000 | $396,000 |
| Credit History | 15 | $1,545,000 | $103,000 | $215,000 | $67,000 | $148,000 |
| Collateral | 9 | $2,245,000 | $249,000 | $765,000 | $155,000 | $579,000 |
| Other | 2 | $170,000 | $85,000 | $105,000 | $56,000 | $58,000 |
| Employment History | 2 | $280,000 | $140,000 | $165,000 | $44,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $96,000 | $96,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2024 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About