Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,521 mortgage applications totaling $342.2 million, up 40% from 2019. The average application was for $224,980, and applicants reported an average income of $148,515. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (231), Texarkana, TX-AR (153) and Houston-The Woodlands-Sugar Land, TX (128) (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 | 1,521 |
| Total Mortgage Loan Application Amount | $342,195,000 |
| Average Mortgage Loan Application Amount | $224,980 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $148,515 |
| Highest Applicant Income | $6,842,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 659 | $ 107,095,000 | $ 162,511 | $ 108,814 |
| Dallas-Plano-Irving, TX | 231 | $ 70,235,000 | $ 304,047 | $ 200,000 |
| Texarkana, TX-AR | 153 | $ 28,865,000 | $ 188,660 | $ 170,457 |
| Houston-The Woodlands-Sugar Land, TX | 128 | $ 36,190,000 | $ 282,734 | $ 202,000 |
| College Station-Bryan, TX | 123 | $ 36,065,000 | $ 293,211 | $ 168,000 |
| Longview, TX | 111 | $ 21,965,000 | $ 197,882 | $ 116,000 |
| Austin-Round Rock, TX | 28 | $ 15,560,000 | $ 555,714 | $ 250,000 |
| Fort Worth-Arlington, TX | 26 | $ 7,010,000 | $ 269,615 | $ 151,000 |
| Tyler, TX | 13 | $ 3,345,000 | $ 257,307 | $ 96,000 |
| Sherman-Denison, TX | 11 | $ 2,455,000 | $ 223,181 | $ 150,000 |
| San Antonio-New Braunfels, TX | 9 | $ 2,955,000 | $ 328,333 | $ 143,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,785,000 | $ 357,000 | $ 722,000 |
| Waco, TX | 5 | $ 1,705,000 | $ 341,000 | $ 116,000 |
| Corpus Christi, TX | 2 | $ 770,000 | $ 385,000 | $ 390,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,350,000 | $ 675,000 | $ 845,000 |
| Hot Springs, AR | 2 | $ 1,060,000 | $ 530,000 | $ 597,000 |
| Kansas City, MO-KS | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Lubbock, TX | 2 | $ 320,000 | $ 160,000 | $ 103,000 |
| Abilene, TX | 1 | $ 475,000 | $ 475,000 | $ 486,000 |
| Amarillo, TX | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 865,000 | $ 865,000 | $ 420,000 |
| Killeen-Temple, TX | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Memphis, TN-MS-AR | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Ocala, FL | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 235,000 | $ 235,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2020
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 | 793 | $179,195,000 | $225,000 | $1,755,000 | $132,000 | $1,441,000 |
| Refinancing | 399 | $104,435,000 | $261,000 | $2,855,000 | $169,000 | $2,028,000 |
| Cash-out Refinancing | 221 | $47,105,000 | $213,000 | $1,115,000 | $140,000 | $865,000 |
| Home Improvement | 75 | $7,165,000 | $95,000 | $2,005,000 | $243,000 | $6,842,000 |
| Other Purpose | 33 | $4,295,000 | $130,000 | $515,000 | $140,000 | $796,000 |
| 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 | 1,103 | $245,405,000 | $222,000 | $2,005,000 | $155,000 | $6,842,000 |
| Hispanic | 179 | $28,115,000 | $157,000 | $925,000 | $99,000 | $1,860,000 |
| Not applicable | 119 | $38,285,000 | $321,000 | $2,855,000 | $0 | $0 |
| Not Provided | 38 | $10,900,000 | $286,000 | $1,015,000 | $201,000 | $660,000 |
| Asian | 36 | $10,520,000 | $292,000 | $1,005,000 | $203,000 | $753,000 |
| Black or African American | 35 | $6,465,000 | $184,000 | $515,000 | $98,000 | $271,000 |
| American Indian or Alaskan Native | 8 | $1,420,000 | $177,000 | $515,000 | $99,000 | $305,000 |
| 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) | 1,352 | $307,890,000 | $227,000 | $2,855,000 | $158,000 | $6,842,000 |
| FHA-insured (Federal Housing Administration) | 98 | $18,030,000 | $183,000 | $335,000 | $78,000 | $750,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $5,290,000 | $146,000 | $385,000 | $58,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 35 | $10,985,000 | $313,000 | $615,000 | $126,000 | $486,000 |
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 | 1,184 | $270,980,000 | $228,000 | $2,855,000 | $150,000 | $6,842,000 |
| Application Denied By Financial Institution | 114 | $20,870,000 | $183,000 | $545,000 | $134,000 | $1,860,000 |
| Application Approved But Not Accepted | 112 | $24,040,000 | $214,000 | $855,000 | $151,000 | $2,028,000 |
| Application Withdrawn By Applicant | 86 | $18,490,000 | $215,000 | $955,000 | $137,000 | $1,042,000 |
| File Closed For Incompleteness | 25 | $7,815,000 | $312,000 | $1,355,000 | $176,000 | $622,000 |
| 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 | 1,407 | $321,325,000 | $228,000 | $2,855,000 | $150,000 | $6,842,000 |
| Credit History | 47 | $6,765,000 | $143,000 | $465,000 | $143,000 | $1,860,000 |
| Debt-To-Income Ratio | 38 | $8,780,000 | $231,000 | $545,000 | $97,000 | $640,000 |
| Unverifiable Information | 10 | $1,990,000 | $199,000 | $375,000 | $333,000 | $1,011,000 |
| Collateral | 9 | $1,665,000 | $185,000 | $515,000 | $98,000 | $232,000 |
| Other | 5 | $505,000 | $101,000 | $155,000 | $58,000 | $103,000 |
| Employment History | 4 | $1,080,000 | $270,000 | $515,000 | $96,000 | $148,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2020 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