Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,090 mortgage applications totaling $242.6 million, up 4% from 2018. The average application was for $222,532, and applicants reported an average income of $131,378. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (179), Texarkana, TX-AR (103) and College Station-Bryan, TX (71) (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 | 1,090 |
| Total Mortgage Loan Application Amount | $242,560,000 |
| Average Mortgage Loan Application Amount | $222,532 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $131,378 |
| Highest Applicant Income | $4,200,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 563 | $ 90,725,000 | $ 161,145 | $ 98,889 |
| Dallas-Plano-Irving, TX | 179 | $ 42,395,000 | $ 236,843 | $ 162,000 |
| Texarkana, TX-AR | 103 | $ 16,575,000 | $ 160,922 | $ 182,155 |
| College Station-Bryan, TX | 71 | $ 20,815,000 | $ 293,169 | $ 160,000 |
| Longview, TX | 67 | $ 13,355,000 | $ 199,328 | $ 105,000 |
| Houston-The Woodlands-Sugar Land, TX | 44 | $ 11,640,000 | $ 264,545 | $ 266,000 |
| Austin-Round Rock, TX | 15 | $ 28,585,000 | $ 1,905,666 | $ 409,000 |
| Fort Worth-Arlington, TX | 15 | $ 7,365,000 | $ 491,000 | $ 242,000 |
| Tyler, TX | 6 | $ 1,290,000 | $ 215,000 | $ 127,000 |
| Sherman-Denison, TX | 5 | $ 1,005,000 | $ 201,000 | $ 183,000 |
| Shreveport-Bossier City, LA | 3 | $ 325,000 | $ 108,333 | $ 52,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 3,780,000 | $ 1,890,000 | $ 0 |
| San Antonio-New Braunfels, TX | 2 | $ 650,000 | $ 325,000 | $ 381,000 |
| Waco, TX | 2 | $ 320,000 | $ 160,000 | $ 36,000 |
| Alexandria, LA | 1 | $ 635,000 | $ 635,000 | $ 177,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Columbus, OH | 1 | $ 295,000 | $ 295,000 | $ 223,000 |
| Corpus Christi, TX | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Gainesville, GA | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lawton, OK | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Lubbock, TX | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
| Memphis, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Victoria, TX | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2019
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 | 735 | $155,385,000 | $211,000 | $11,005,000 | $123,000 | $1,800,000 |
| Refinancing | 136 | $58,770,000 | $432,000 | $15,005,000 | $180,000 | $1,744,000 |
| Cash-out Refinancing | 96 | $16,840,000 | $175,000 | $1,045,000 | $140,000 | $4,200,000 |
| Home Improvement | 67 | $4,875,000 | $72,000 | $355,000 | $146,000 | $1,719,000 |
| Other Purpose | 56 | $6,690,000 | $119,000 | $615,000 | $91,000 | $495,000 |
| 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 | 726 | $134,810,000 | $185,000 | $3,205,000 | $140,000 | $1,800,000 |
| Hispanic | 134 | $16,120,000 | $120,000 | $415,000 | $67,000 | $249,000 |
| Not applicable | 132 | $72,270,000 | $547,000 | $15,005,000 | $0 | $0 |
| Not Provided | 36 | $8,570,000 | $238,000 | $1,055,000 | $250,000 | $4,200,000 |
| Black or African American | 31 | $4,765,000 | $153,000 | $485,000 | $69,000 | $210,000 |
| Asian | 17 | $3,605,000 | $212,000 | $485,000 | $99,000 | $215,000 |
| American Indian or Alaskan Native | 8 | $1,170,000 | $146,000 | $355,000 | $68,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $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) | 947 | $219,255,000 | $231,000 | $15,005,000 | $141,000 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 90 | $14,460,000 | $160,000 | $365,000 | $68,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,505,000 | $120,000 | $195,000 | $58,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 24 | $5,340,000 | $222,000 | $485,000 | $85,000 | $187,000 |
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 | 840 | $199,260,000 | $237,000 | $15,005,000 | $131,000 | $1,744,000 |
| Application Denied By Financial Institution | 100 | $15,550,000 | $155,000 | $845,000 | $102,000 | $1,800,000 |
| Application Withdrawn By Applicant | 97 | $18,735,000 | $193,000 | $1,085,000 | $120,000 | $1,070,000 |
| Application Approved But Not Accepted | 28 | $4,740,000 | $169,000 | $745,000 | $118,000 | $466,000 |
| File Closed For Incompleteness | 25 | $4,275,000 | $171,000 | $855,000 | $296,000 | $4,200,000 |
| 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 | 990 | $227,010,000 | $229,000 | $15,005,000 | $134,000 | $4,200,000 |
| Credit History | 38 | $3,730,000 | $98,000 | $235,000 | $60,000 | $156,000 |
| Debt-To-Income Ratio | 33 | $6,925,000 | $209,000 | $795,000 | $86,000 | $748,000 |
| Collateral | 12 | $1,800,000 | $150,000 | $845,000 | $128,000 | $507,000 |
| Other | 8 | $1,090,000 | $136,000 | $485,000 | $120,000 | $434,000 |
| Unverifiable Information | 5 | $1,135,000 | $227,000 | $405,000 | $425,000 | $1,800,000 |
| Credit Application Incomplete | 2 | $480,000 | $240,000 | $285,000 | $159,000 | $221,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2019 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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