Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Guaranty Bank & Trust of Mt Pleasant, TX reported 997 mortgage applications totaling $164.1 million, down 8% from 2016. The average application was for $164,642, and applicants reported an average income of $116,053. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Texarkana, TX-AR (158), College Station-Bryan, TX (148) and Dallas-Plano-Irving, TX (118) (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 | 997 |
| Total Mortgage Loan Application Amount | $164,149,000 |
| Average Mortgage Loan Application Amount | $164,642 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $116,053 |
| Highest Applicant Income | $6,084,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-AR | 158 | $ 19,246,000 | $ 121,810 | $ 150,443 |
| College Station-Bryan, TX | 148 | $ 34,527,000 | $ 233,290 | $ 134,000 |
| Dallas-Plano-Irving, TX | 118 | $ 26,847,000 | $ 227,516 | $ 140,000 |
| Longview, TX | 30 | $ 4,154,000 | $ 138,466 | $ 74,000 |
| San Antonio-New Braunfels, TX | 14 | $ 2,943,000 | $ 210,214 | $ 162,000 |
| Austin-Round Rock, TX | 10 | $ 3,805,000 | $ 380,500 | $ 205,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,165,000 | $ 166,428 | $ 83,000 |
| Tyler, TX | 5 | $ 1,339,000 | $ 267,800 | $ 161,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 787,000 | $ 196,750 | $ 240,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 960,000 | $ 240,000 | $ 122,000 |
| Sherman-Denison, TX | 4 | $ 835,000 | $ 208,750 | $ 85,000 |
| Hot Springs, AR | 2 | $ 988,000 | $ 494,000 | $ 294,000 |
| Wichita Falls, TX | 2 | $ 234,000 | $ 117,000 | $ 155,000 |
| Alexandria, LA | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Corpus Christi, TX | 1 | $ 115,000 | $ 115,000 | $ 443,000 |
| Shreveport-Bossier City, LA | 1 | $ 110,000 | $ 110,000 | $ 251,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 233,000 | $ 233,000 | $ 103,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 209,000 | $ 209,000 | $ 0 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2017
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 | 731 | $122,227,000 | $167,000 | $4,500,000 | $111,000 | $6,084,000 |
| Refinancing | 200 | $34,619,000 | $173,000 | $776,000 | $122,000 | $1,784,000 |
| Home Improvement | 66 | $7,303,000 | $110,000 | $424,000 | $154,000 | $2,212,000 |
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 | 756 | $122,312,000 | $161,000 | $1,020,000 | $132,000 | $6,084,000 |
| Not applicable | 90 | $22,109,000 | $245,000 | $4,500,000 | $0 | $0 |
| Hispanic | 88 | $9,427,000 | $107,000 | $438,000 | $60,000 | $407,000 |
| Black or African American | 22 | $2,953,000 | $134,000 | $340,000 | $130,000 | $1,440,000 |
| Asian | 21 | $4,823,000 | $229,000 | $850,000 | $319,000 | $1,784,000 |
| Not Provided | 18 | $1,953,000 | $108,000 | $350,000 | $66,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $555,000 | $555,000 | $555,000 | $99,000 | $99,000 |
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) | 920 | $152,680,000 | $165,000 | $4,500,000 | $121,000 | $6,084,000 |
| FHA-insured (Federal Housing Administration) | 49 | $7,630,000 | $155,000 | $264,000 | $65,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,926,000 | $91,000 | $177,000 | $43,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,913,000 | $273,000 | $595,000 | $80,000 | $168,000 |
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 | 807 | $134,961,000 | $167,000 | $4,500,000 | $117,000 | $6,084,000 |
| Application Denied By Financial Institution | 89 | $13,289,000 | $149,000 | $772,000 | $103,000 | $1,440,000 |
| Application Approved But Not Accepted | 55 | $7,649,000 | $139,000 | $455,000 | $140,000 | $1,058,000 |
| Application Withdrawn By Applicant | 42 | $7,352,000 | $175,000 | $659,000 | $99,000 | $370,000 |
| File Closed For Incompleteness | 4 | $898,000 | $224,000 | $428,000 | $61,000 | $173,000 |
| 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 | 35 | $4,423,000 | $126,000 | $364,000 | $110,000 | $1,440,000 |
| Debt-To-Income Ratio | 34 | $6,439,000 | $189,000 | $772,000 | $86,000 | $321,000 |
| Collateral | 12 | $1,831,000 | $152,000 | $340,000 | $131,000 | $480,000 |
| Employment History | 4 | $242,000 | $60,000 | $87,000 | $54,000 | $90,000 |
| Other | 3 | $236,000 | $78,000 | $126,000 | $183,000 | $508,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $53,000 | $53,000 |
| 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 2017 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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