Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Guaranty Bank & Trust of Mt Pleasant, TX reported 644 mortgage applications totaling $162.8 million, down 36% from 2022. The average application was for $252,795, and applicants reported an average income of $148,779. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Texarkana, TX-AR (68), Dallas-Plano-Irving, TX (62) and College Station-Bryan, TX (60) (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 | 644 |
| Total Mortgage Loan Application Amount | $162,800,000 |
| Average Mortgage Loan Application Amount | $252,795 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $148,779 |
| Highest Applicant Income | $1,222,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 318 | $ 57,520,000 | $ 180,880 | $ 123,768 |
| Texarkana, TX-AR | 68 | $ 11,830,000 | $ 173,970 | $ 132,117 |
| Dallas-Plano-Irving, TX | 62 | $ 26,020,000 | $ 419,677 | $ 178,000 |
| College Station-Bryan, TX | 60 | $ 20,030,000 | $ 333,833 | $ 169,000 |
| Longview, TX | 40 | $ 7,200,000 | $ 180,000 | $ 138,000 |
| Houston-The Woodlands-Sugar Land, TX | 37 | $ 15,905,000 | $ 429,864 | $ 276,000 |
| Austin-Round Rock, TX | 17 | $ 9,375,000 | $ 551,470 | $ 343,000 |
| Fort Worth-Arlington, TX | 16 | $ 7,370,000 | $ 460,625 | $ 150,000 |
| Baton Rouge, LA | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Tyler, TX | 4 | $ 960,000 | $ 240,000 | $ 165,000 |
| San Antonio-New Braunfels, TX | 3 | $ 895,000 | $ 298,333 | $ 153,000 |
| Corpus Christi, TX | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Lubbock, TX | 2 | $ 730,000 | $ 365,000 | $ 168,000 |
| Beaumont-Port Arthur, TX | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Gainesville, GA | 1 | $ 265,000 | $ 265,000 | $ 25,000 |
| Hot Springs, AR | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Oklahoma City, OK | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
| Tulsa, OK | 1 | $ 255,000 | $ 255,000 | $ 355,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2023
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 | 446 | $132,880,000 | $297,000 | $1,905,000 | $153,000 | $1,043,000 |
| Home Improvement | 73 | $7,215,000 | $98,000 | $455,000 | $162,000 | $1,222,000 |
| Cash-out Refinancing | 50 | $8,610,000 | $172,000 | $765,000 | $110,000 | $417,000 |
| Other Purpose | 50 | $6,360,000 | $127,000 | $615,000 | $134,000 | $759,000 |
| Refinancing | 25 | $7,735,000 | $309,000 | $1,305,000 | $142,000 | $441,000 |
| 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 | 368 | $87,210,000 | $236,000 | $1,685,000 | $150,000 | $1,222,000 |
| Not applicable | 122 | $39,260,000 | $321,000 | $1,805,000 | $0 | $0 |
| Hispanic | 88 | $16,580,000 | $188,000 | $1,905,000 | $121,000 | $949,000 |
| Not Provided | 28 | $9,120,000 | $325,000 | $1,175,000 | $171,000 | $759,000 |
| Black or African American | 15 | $2,435,000 | $162,000 | $405,000 | $116,000 | $250,000 |
| Asian | 14 | $5,840,000 | $417,000 | $1,165,000 | $295,000 | $1,043,000 |
| American Indian or Alaskan Native | 6 | $1,100,000 | $183,000 | $235,000 | $89,000 | $135,000 |
| 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) | 589 | $150,855,000 | $256,000 | $1,905,000 | $156,000 | $1,222,000 |
| FHA-insured (Federal Housing Administration) | 41 | $9,075,000 | $221,000 | $445,000 | $87,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,150,000 | $143,000 | $175,000 | $67,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,720,000 | $286,000 | $465,000 | $101,000 | $163,000 |
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 | 497 | $124,005,000 | $249,000 | $1,905,000 | $151,000 | $1,043,000 |
| Application Denied By Financial Institution | 61 | $15,125,000 | $247,000 | $1,305,000 | $140,000 | $1,222,000 |
| Application Withdrawn By Applicant | 53 | $14,615,000 | $275,000 | $1,175,000 | $130,000 | $494,000 |
| Application Approved But Not Accepted | 32 | $8,950,000 | $279,000 | $1,235,000 | $180,000 | $957,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $149,000 | $149,000 |
| 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 | 583 | $147,675,000 | $253,000 | $1,905,000 | $150,000 | $1,043,000 |
| Credit History | 24 | $5,160,000 | $215,000 | $1,305,000 | $156,000 | $1,222,000 |
| Debt-To-Income Ratio | 24 | $6,570,000 | $273,000 | $725,000 | $90,000 | $433,000 |
| Collateral | 6 | $1,310,000 | $218,000 | $525,000 | $122,000 | $204,000 |
| Other | 4 | $1,190,000 | $297,000 | $945,000 | $232,000 | $333,000 |
| Unverifiable Information | 1 | $505,000 | $505,000 | $505,000 | $949,000 | $949,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $71,000 | $71,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $79,000 | $79,000 |
| Employment History | 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 2023 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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