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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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