Guaranty Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Guaranty Bank & Trust of Mt Pleasant, TX reported 1,013 mortgage applications totaling $344.9 million, down 25% from 2021. The average application was for $340,478, and applicants reported an average income of $177,262. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (121), College Station-Bryan, TX (113) and Texarkana, TX-AR (93) (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 | 1,013 |
| Total Mortgage Loan Application Amount | $344,905,000 |
| Average Mortgage Loan Application Amount | $340,478 |
| Highest Mortgage Loan Application Amount | $21,375,000 |
| Average Applicant Income | $177,262 |
| Highest Applicant Income | $2,019,000 |
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(HMDA) records Guaranty Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 678 | $255,890,000 | $377,000 | $21,375,000 | $183,000 | $2,019,000 |
| Cash-out Refinancing | 152 | $54,400,000 | $357,000 | $10,705,000 | $141,000 | $1,153,000 |
| Home Improvement | 75 | $9,965,000 | $132,000 | $705,000 | $222,000 | $726,000 |
| Refinancing | 67 | $16,595,000 | $247,000 | $1,025,000 | $154,000 | $1,069,000 |
| Other Purpose | 41 | $8,055,000 | $196,000 | $1,005,000 | $173,000 | $1,454,000 |
| 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 | 641 | $181,975,000 | $283,000 | $3,505,000 | $181,000 | $1,800,000 |
| Not applicable | 192 | $119,540,000 | $622,000 | $21,375,000 | $0 | $0 |
| Hispanic | 102 | $16,370,000 | $160,000 | $645,000 | $88,000 | $1,069,000 |
| Not Provided | 26 | $9,870,000 | $379,000 | $1,575,000 | $195,000 | $1,223,000 |
| Black or African American | 21 | $3,845,000 | $183,000 | $395,000 | $89,000 | $208,000 |
| Asian | 20 | $8,170,000 | $408,000 | $2,715,000 | $534,000 | $2,019,000 |
| American Indian or Alaskan Native | 6 | $2,040,000 | $340,000 | $655,000 | $233,000 | $548,000 |
| 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) | 958 | $331,860,000 | $346,000 | $21,375,000 | $184,000 | $2,019,000 |
| FHA-insured (Federal Housing Administration) | 38 | $8,500,000 | $223,000 | $425,000 | $89,000 | $282,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,680,000 | $306,000 | $595,000 | $118,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $865,000 | $173,000 | $195,000 | $68,000 | $100,000 |
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 | 808 | $293,600,000 | $363,000 | $21,375,000 | $192,000 | $2,019,000 |
| Application Denied By Financial Institution | 86 | $16,540,000 | $192,000 | $845,000 | $98,000 | $375,000 |
| Application Withdrawn By Applicant | 55 | $16,565,000 | $301,000 | $3,425,000 | $138,000 | $1,443,000 |
| Application Approved But Not Accepted | 55 | $13,085,000 | $237,000 | $1,305,000 | $168,000 | $1,069,000 |
| File Closed For Incompleteness | 9 | $5,115,000 | $568,000 | $1,445,000 | $197,000 | $496,000 |
| 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 | 927 | $328,365,000 | $354,000 | $21,375,000 | $186,000 | $2,019,000 |
| Credit History | 29 | $5,195,000 | $179,000 | $575,000 | $103,000 | $375,000 |
| Debt-To-Income Ratio | 27 | $5,925,000 | $219,000 | $845,000 | $71,000 | $300,000 |
| Collateral | 15 | $1,955,000 | $130,000 | $495,000 | $85,000 | $270,000 |
| Other | 7 | $1,555,000 | $222,000 | $455,000 | $177,000 | $372,000 |
| Employment History | 5 | $1,325,000 | $265,000 | $405,000 | $109,000 | $190,000 |
| Unverifiable Information | 3 | $585,000 | $195,000 | $445,000 | $164,000 | $326,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2022 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