Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,341 mortgage applications totaling $168.0 million. The average application was for $125,283, and applicants reported an average income of $120,680. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Texarkana, Tx-Texarkana, AR (501), Dallas-Plano-Irving, TX (35) and Longview, TX (19) (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 | 1,341 |
| Total Mortgage Loan Application Amount | $168,005,000 |
| Average Mortgage Loan Application Amount | $125,283 |
| Highest Mortgage Loan Application Amount | $2,408,000 |
| Average Applicant Income | $120,680 |
| Highest Applicant Income | $8,292,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Texarkana, Tx-Texarkana, AR | 501 | $ 73,249,000 | $ 146,205 | $ 144,285 |
| Dallas-Plano-Irving, TX | 35 | $ 4,837,000 | $ 138,200 | $ 109,000 |
| Longview, TX | 19 | $ 1,860,000 | $ 97,894 | $ 95,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 742,000 | $ 148,400 | $ 163,000 |
| Tyler, TX | 4 | $ 680,000 | $ 170,000 | $ 56,000 |
| Fort Worth-Arlington, TX | 3 | $ 548,000 | $ 182,666 | $ 123,000 |
| Hot Springs, AR | 3 | $ 800,000 | $ 266,666 | $ 281,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 572,000 | $ 286,000 | $ 137,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 629,000 | $ 314,500 | $ 1,608,000 |
| Tulsa, OK | 2 | $ 140,000 | $ 70,000 | $ 19,000 |
| College Station-Bryan, TX | 1 | $ 174,000 | $ 174,000 | $ 52,000 |
| Memphis, TN-MS-AR | 1 | $ 149,000 | $ 149,000 | $ 694,000 |
| Midland, TX | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Oklahoma City, OK | 1 | $ 224,000 | $ 224,000 | $ 120,000 |
| Pueblo, CO | 1 | $ 65,000 | $ 65,000 | $ 4,687,000 |
| San Antonio-New Braunfels, TX | 1 | $ 300,000 | $ 300,000 | $ 157,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 72,000 | $ 72,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2012
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 | 862 | $100,329,000 | $116,000 | $2,408,000 | $109,000 | $6,021,000 |
| Refinancing | 432 | $65,518,000 | $151,000 | $728,000 | $147,000 | $8,292,000 |
| Home Improvement | 47 | $2,158,000 | $45,000 | $400,000 | $93,000 | $552,000 |
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 | 1,106 | $144,713,000 | $130,000 | $2,338,000 | $136,000 | $8,292,000 |
| Hispanic | 130 | $7,749,000 | $59,000 | $250,000 | $46,000 | $400,000 |
| Black or African American | 52 | $5,770,000 | $110,000 | $300,000 | $55,000 | $157,000 |
| Not applicable | 28 | $6,383,000 | $227,000 | $2,408,000 | $0 | $0 |
| Asian | 12 | $1,654,000 | $137,000 | $257,000 | $119,000 | $522,000 |
| American Indian or Alaskan Native | 6 | $984,000 | $164,000 | $275,000 | $77,000 | $110,000 |
| Not Provided | 4 | $250,000 | $62,000 | $116,000 | $57,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $502,000 | $167,000 | $268,000 | $84,000 | $116,000 |
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) | 1,088 | $136,819,000 | $125,000 | $2,408,000 | $134,000 | $8,292,000 |
| FHA-insured (Federal Housing Administration) | 178 | $21,658,000 | $121,000 | $273,000 | $62,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,764,000 | $153,000 | $300,000 | $70,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $2,764,000 | $89,000 | $158,000 | $44,000 | $74,000 |
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 | 1,057 | $130,146,000 | $123,000 | $2,408,000 | $119,000 | $6,021,000 |
| Application Denied By Financial Institution | 99 | $10,953,000 | $110,000 | $417,000 | $77,000 | $509,000 |
| Application Approved But Not Accepted | 98 | $14,850,000 | $151,000 | $500,000 | $207,000 | $8,292,000 |
| Application Withdrawn By Applicant | 84 | $11,565,000 | $137,000 | $652,000 | $92,000 | $720,000 |
| File Closed For Incompleteness | 3 | $491,000 | $163,000 | $240,000 | $173,000 | $345,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 72 | $6,639,000 | $92,000 | $296,000 | $64,000 | $400,000 |
| Debt-To-Income Ratio | 16 | $3,024,000 | $189,000 | $417,000 | $118,000 | $337,000 |
| Unverifiable Information | 4 | $838,000 | $209,000 | $417,000 | $210,000 | $509,000 |
| Collateral | 2 | $126,000 | $63,000 | $91,000 | $55,000 | $77,000 |
| Other | 2 | $149,000 | $74,000 | $103,000 | $34,000 | $44,000 |
| Mortgage Insurance Denied | 1 | $32,000 | $32,000 | $32,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $46,000 | $46,000 | $46,000 | $25,000 | $25,000 |
| Employment History | 1 | $99,000 | $99,000 | $99,000 | $44,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2012 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