Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,358 mortgage applications totaling $410.1 million, down 11% from 2020. The average application was for $301,980, and applicants reported an average income of $171,435. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (162), College Station-Bryan, TX (140) and Texarkana, TX-AR (140) (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 | 1,358 |
| Total Mortgage Loan Application Amount | $410,090,000 |
| Average Mortgage Loan Application Amount | $301,980 |
| Highest Mortgage Loan Application Amount | $28,665,000 |
| Average Applicant Income | $171,435 |
| Highest Applicant Income | $4,235,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 819 | $270,535,000 | $330,000 | $28,665,000 | $185,000 | $4,235,000 |
| Cash-out Refinancing | 222 | $56,160,000 | $252,000 | $2,635,000 | $142,000 | $1,359,000 |
| Refinancing | 210 | $69,250,000 | $329,000 | $7,135,000 | $154,000 | $1,080,000 |
| Home Improvement | 79 | $7,805,000 | $98,000 | $505,000 | $137,000 | $991,000 |
| Other Purpose | 28 | $6,340,000 | $226,000 | $1,505,000 | $236,000 | $3,438,000 |
| 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 | 893 | $239,835,000 | $268,000 | $28,665,000 | $159,000 | $4,235,000 |
| Not applicable | 199 | $98,295,000 | $493,000 | $7,775,000 | $0 | $0 |
| Hispanic | 143 | $28,135,000 | $196,000 | $4,825,000 | $136,000 | $3,249,000 |
| Not Provided | 51 | $24,845,000 | $487,000 | $6,005,000 | $271,000 | $3,438,000 |
| Asian | 35 | $11,335,000 | $323,000 | $1,375,000 | $497,000 | $2,019,000 |
| Black or African American | 25 | $5,125,000 | $205,000 | $1,115,000 | $129,000 | $837,000 |
| American Indian or Alaskan Native | 11 | $2,075,000 | $188,000 | $335,000 | $135,000 | $378,000 |
| 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) | 1,270 | $391,070,000 | $307,000 | $28,665,000 | $178,000 | $4,235,000 |
| FHA-insured (Federal Housing Administration) | 47 | $9,005,000 | $191,000 | $325,000 | $66,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 24 | $7,360,000 | $306,000 | $975,000 | $108,000 | $308,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,655,000 | $156,000 | $205,000 | $61,000 | $81,000 |
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 | 1,061 | $312,115,000 | $294,000 | $7,775,000 | $172,000 | $3,322,000 |
| Application Denied By Financial Institution | 137 | $24,955,000 | $182,000 | $1,505,000 | $100,000 | $991,000 |
| Application Approved But Not Accepted | 93 | $25,195,000 | $270,000 | $1,355,000 | $234,000 | $4,235,000 |
| Application Withdrawn By Applicant | 57 | $45,205,000 | $793,000 | $28,665,000 | $221,000 | $3,438,000 |
| File Closed For Incompleteness | 10 | $2,620,000 | $262,000 | $505,000 | $199,000 | $547,000 |
| 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 | 1,221 | $385,135,000 | $315,000 | $28,665,000 | $180,000 | $4,235,000 |
| Credit History | 61 | $7,535,000 | $123,000 | $305,000 | $91,000 | $768,000 |
| Debt-To-Income Ratio | 50 | $12,030,000 | $240,000 | $1,505,000 | $78,000 | $226,000 |
| Collateral | 14 | $2,890,000 | $206,000 | $455,000 | $197,000 | $991,000 |
| Other | 5 | $1,045,000 | $209,000 | $545,000 | $199,000 | $513,000 |
| Unverifiable Information | 3 | $625,000 | $208,000 | $285,000 | $33,000 | $78,000 |
| Employment History | 2 | $290,000 | $145,000 | $155,000 | $72,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $130,000 | $130,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust's 2021 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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