Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Guaranty Bank & Trust of Mt Pleasant, TX reported 571 mortgage applications totaling $152.6 million, down 11% from 2023. The average application was for $267,189, and applicants reported an average income of $195,255. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (63), Texarkana, TX-AR (57) and College Station-Bryan, TX (41) (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 | 571 |
| Total Mortgage Loan Application Amount | $152,565,000 |
| Average Mortgage Loan Application Amount | $267,189 |
| Highest Mortgage Loan Application Amount | $5,745,000 |
| Average Applicant Income | $195,255 |
| Highest Applicant Income | $4,545,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 303 | $ 57,555,000 | $ 189,950 | $ 130,770 |
| Dallas-Plano-Irving, TX | 63 | $ 26,375,000 | $ 418,650 | $ 354,000 |
| Texarkana, TX-AR | 57 | $ 9,575,000 | $ 167,982 | $ 182,473 |
| College Station-Bryan, TX | 41 | $ 14,305,000 | $ 348,902 | $ 339,000 |
| Houston-The Woodlands-Sugar Land, TX | 30 | $ 9,150,000 | $ 305,000 | $ 312,000 |
| Longview, TX | 22 | $ 5,310,000 | $ 241,363 | $ 140,000 |
| Austin-Round Rock, TX | 11 | $ 11,665,000 | $ 1,060,454 | $ 530,000 |
| Fort Worth-Arlington, TX | 11 | $ 3,355,000 | $ 305,000 | $ 168,000 |
| Tyler, TX | 6 | $ 4,360,000 | $ 726,666 | $ 171,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,410,000 | $ 352,500 | $ 152,000 |
| Sherman-Denison, TX | 4 | $ 1,770,000 | $ 442,500 | $ 160,000 |
| Corpus Christi, TX | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 710,000 | $ 355,000 | $ 1,082,000 |
| Hot Springs, AR | 2 | $ 350,000 | $ 175,000 | $ 287,000 |
| Lynchburg, VA | 2 | $ 350,000 | $ 175,000 | $ 274,000 |
| Beaumont-Port Arthur, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bozeman, MT | 1 | $ 2,905,000 | $ 2,905,000 | $ 0 |
| Cleveland, OH | 1 | $ 105,000 | $ 105,000 | $ 309,000 |
| Eagle Pass, TX | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Glens Falls, NY | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 765,000 | $ 765,000 | $ 232,000 |
| Midland, TX | 1 | $ 495,000 | $ 495,000 | $ 479,000 |
| Portland-South Portland, ME | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Spokane-Spokane Valley, WA | 1 | $ 265,000 | $ 265,000 | $ 309,000 |
| Waco, TX | 1 | $ 625,000 | $ 625,000 | $ 712,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust in 2024
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 | 394 | $124,540,000 | $316,000 | $5,745,000 | $209,000 | $4,545,000 |
| Home Improvement | 63 | $5,385,000 | $85,000 | $455,000 | $120,000 | $468,000 |
| Cash-out Refinancing | 54 | $9,990,000 | $185,000 | $615,000 | $160,000 | $1,306,000 |
| Other Purpose | 41 | $7,005,000 | $170,000 | $1,505,000 | $230,000 | $2,558,000 |
| Refinancing | 19 | $5,645,000 | $297,000 | $885,000 | $185,000 | $1,184,000 |
| 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 | 305 | $76,245,000 | $249,000 | $2,245,000 | $219,000 | $4,545,000 |
| Not applicable | 100 | $40,650,000 | $406,000 | $5,745,000 | $0 | $0 |
| Hispanic | 91 | $15,285,000 | $167,000 | $1,475,000 | $145,000 | $2,700,000 |
| Not Provided | 32 | $10,630,000 | $332,000 | $1,505,000 | $165,000 | $594,000 |
| Asian | 16 | $5,030,000 | $314,000 | $1,145,000 | $213,000 | $798,000 |
| Black or African American | 16 | $2,980,000 | $186,000 | $765,000 | $111,000 | $579,000 |
| American Indian or Alaskan Native | 11 | $1,745,000 | $158,000 | $345,000 | $133,000 | $414,000 |
| 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) | 499 | $137,415,000 | $275,000 | $5,745,000 | $216,000 | $4,545,000 |
| FHA-insured (Federal Housing Administration) | 49 | $9,965,000 | $203,000 | $345,000 | $80,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,250,000 | $270,000 | $505,000 | $82,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,935,000 | $175,000 | $225,000 | $70,000 | $107,000 |
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 | 445 | $123,015,000 | $276,000 | $5,745,000 | $213,000 | $4,545,000 |
| Application Denied By Financial Institution | 54 | $10,680,000 | $197,000 | $805,000 | $100,000 | $579,000 |
| Application Withdrawn By Applicant | 43 | $10,745,000 | $249,000 | $1,475,000 | $169,000 | $2,700,000 |
| Application Approved But Not Accepted | 28 | $7,720,000 | $275,000 | $1,505,000 | $199,000 | $1,048,000 |
| File Closed For Incompleteness | 1 | $405,000 | $405,000 | $405,000 | $130,000 | $130,000 |
| 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 | 517 | $141,885,000 | $274,000 | $5,745,000 | $207,000 | $4,545,000 |
| Debt-To-Income Ratio | 23 | $6,145,000 | $267,000 | $805,000 | $110,000 | $396,000 |
| Credit History | 15 | $1,545,000 | $103,000 | $215,000 | $67,000 | $148,000 |
| Collateral | 9 | $2,245,000 | $249,000 | $765,000 | $155,000 | $579,000 |
| Other | 2 | $170,000 | $85,000 | $105,000 | $56,000 | $58,000 |
| Employment History | 2 | $280,000 | $140,000 | $165,000 | $44,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $96,000 | $96,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2024 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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