Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,048 mortgage applications totaling $208.8 million, up 5% from 2017. The average application was for $199,208, and applicants reported an average income of $135,429. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Texarkana, TX-AR (122), Dallas-Plano-Irving, TX (116) and College Station-Bryan, TX (114) (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 | 1,048 |
| Total Mortgage Loan Application Amount | $208,770,000 |
| Average Mortgage Loan Application Amount | $199,208 |
| Highest Mortgage Loan Application Amount | $6,075,000 |
| Average Applicant Income | $135,429 |
| Highest Applicant Income | $1,920,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 579 | $ 75,955,000 | $ 131,183 | $ 104,162 |
| Texarkana, TX-AR | 122 | $ 17,390,000 | $ 142,540 | $ 128,983 |
| Dallas-Plano-Irving, TX | 116 | $ 33,460,000 | $ 288,448 | $ 189,000 |
| College Station-Bryan, TX | 114 | $ 32,430,000 | $ 284,473 | $ 166,000 |
| Houston-The Woodlands-Sugar Land, TX | 28 | $ 13,490,000 | $ 481,785 | $ 252,000 |
| Longview, TX | 26 | $ 4,190,000 | $ 161,153 | $ 110,000 |
| Austin-Round Rock, TX | 17 | $ 19,225,000 | $ 1,130,882 | $ 509,000 |
| Fort Worth-Arlington, TX | 16 | $ 4,990,000 | $ 311,875 | $ 232,000 |
| Tyler, TX | 9 | $ 1,795,000 | $ 199,444 | $ 356,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,415,000 | $ 283,000 | $ 245,000 |
| Sherman-Denison, TX | 4 | $ 400,000 | $ 100,000 | $ 58,000 |
| Corpus Christi, TX | 2 | $ 1,290,000 | $ 645,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 115,000 | $ 115,000 | $ 194,000 |
| Boulder, CO | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Lexington-Fayette, KY | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 445,000 | $ 445,000 | $ 142,000 |
| Oklahoma City, OK | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Provo-Orem, UT | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Tulsa, OK | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2018
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 | 771 | $147,835,000 | $191,000 | $2,095,000 | $127,000 | $1,531,000 |
| Refinancing | 112 | $39,190,000 | $349,000 | $6,075,000 | $207,000 | $1,454,000 |
| Cash-out Refinancing | 74 | $13,810,000 | $186,000 | $4,005,000 | $125,000 | $1,920,000 |
| Other Purpose | 46 | $3,310,000 | $71,000 | $405,000 | $104,000 | $494,000 |
| Home Improvement | 45 | $4,625,000 | $102,000 | $985,000 | $151,000 | $1,824,000 |
| 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 | 725 | $135,415,000 | $186,000 | $4,005,000 | $145,000 | $1,920,000 |
| Hispanic | 131 | $15,635,000 | $119,000 | $1,205,000 | $83,000 | $1,116,000 |
| Not applicable | 119 | $45,455,000 | $381,000 | $6,075,000 | $0 | $0 |
| Black or African American | 29 | $3,635,000 | $125,000 | $455,000 | $75,000 | $210,000 |
| Asian | 21 | $4,925,000 | $234,000 | $455,000 | $191,000 | $983,000 |
| Not Provided | 13 | $2,335,000 | $179,000 | $435,000 | $118,000 | $263,000 |
| American Indian or Alaskan Native | 6 | $800,000 | $133,000 | $365,000 | $98,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $135,000 | $135,000 |
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) | 917 | $190,475,000 | $207,000 | $6,075,000 | $145,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 93 | $13,415,000 | $144,000 | $365,000 | $70,000 | $398,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,970,000 | $114,000 | $215,000 | $56,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,910,000 | $159,000 | $325,000 | $66,000 | $153,000 |
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 | 839 | $177,245,000 | $211,000 | $6,075,000 | $138,000 | $1,824,000 |
| Application Denied By Financial Institution | 88 | $9,920,000 | $112,000 | $455,000 | $81,000 | $979,000 |
| Application Approved But Not Accepted | 65 | $12,555,000 | $193,000 | $4,005,000 | $115,000 | $1,920,000 |
| Application Withdrawn By Applicant | 45 | $7,555,000 | $167,000 | $885,000 | $199,000 | $1,531,000 |
| File Closed For Incompleteness | 11 | $1,495,000 | $135,000 | $455,000 | $123,000 | $280,000 |
| 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 | 960 | $198,850,000 | $207,000 | $6,075,000 | $139,000 | $1,920,000 |
| Credit History | 43 | $3,865,000 | $89,000 | $265,000 | $96,000 | $979,000 |
| Debt-To-Income Ratio | 20 | $2,610,000 | $130,000 | $305,000 | $52,000 | $127,000 |
| Collateral | 10 | $1,100,000 | $110,000 | $335,000 | $70,000 | $202,000 |
| Other | 5 | $555,000 | $111,000 | $165,000 | $67,000 | $75,000 |
| Unverifiable Information | 4 | $1,040,000 | $260,000 | $455,000 | $110,000 | $213,000 |
| Employment History | 4 | $630,000 | $157,000 | $245,000 | $64,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2018 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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