Guaranty Mortgage Services LLC Mortgage Lending & HMDA Data, 2012
In 2012, Guaranty Mortgage Services LLC of Brown Deer, WI reported 602 mortgage applications totaling $90.5 million, up 4% from 2011. The average application was for $150,275, and applicants reported an average income of $69,790. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (205), Columbus, GA-AL (110) and Gainesville, GA (86) (applications in parentheses).
| Mortgage Company & Address | Guaranty Mortgage Services LLC 4000 W Brown Deer Road Brown Deer, WI 53209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 602 |
| Total Mortgage Loan Application Amount | $90,466,000 |
| Average Mortgage Loan Application Amount | $150,275 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $69,790 |
| Highest Applicant Income | $1,250,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Mortgage Services LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hall, Georgia | 86 | $ 13,133,000 | $ 152,709 | $ 72,000 |
| Gwinnett, Georgia | 85 | $ 12,047,000 | $ 141,729 | $ 78,000 |
| Muscogee, Georgia | 75 | $ 11,595,000 | $ 154,600 | $ 63,000 |
| Cumberland, Tennessee | 48 | $ 4,826,000 | $ 100,541 | $ 41,000 |
| Forsyth, Georgia | 34 | $ 6,413,000 | $ 188,617 | $ 84,000 |
| Putnam, Tennessee | 29 | $ 3,919,000 | $ 135,137 | $ 56,000 |
| Harris, Georgia | 28 | $ 4,475,000 | $ 159,821 | $ 73,000 |
| Dawson, Georgia | 18 | $ 2,935,000 | $ 163,055 | $ 77,000 |
| Fentress, Tennessee | 16 | $ 1,535,000 | $ 95,937 | $ 44,000 |
| Fulton, Georgia | 14 | $ 3,346,000 | $ 239,000 | $ 126,000 |
| Jackson, Georgia | 12 | $ 1,903,000 | $ 158,583 | $ 71,000 |
| White, Tennessee | 12 | $ 1,225,000 | $ 102,083 | $ 38,000 |
| Cherokee, Georgia | 10 | $ 1,567,000 | $ 156,700 | $ 63,000 |
| Fayette, Georgia | 10 | $ 2,602,000 | $ 260,200 | $ 129,000 |
| Walton, Georgia | 9 | $ 1,912,000 | $ 212,444 | $ 82,000 |
| Overton, Tennessee | 8 | $ 732,000 | $ 91,500 | $ 46,000 |
| Russell, Alabama | 7 | $ 878,000 | $ 125,428 | $ 48,000 |
| Cobb, Georgia | 7 | $ 701,000 | $ 100,142 | $ 34,000 |
| DeKalb, Georgia | 6 | $ 827,000 | $ 137,833 | $ 155,000 |
| White, Georgia | 6 | $ 699,000 | $ 116,500 | $ 64,000 |
| Richmond, Georgia | 5 | $ 864,000 | $ 172,800 | $ 50,000 |
| Lee, Alabama | 4 | $ 541,000 | $ 135,250 | $ 58,000 |
| Barrow, Georgia | 4 | $ 723,000 | $ 180,750 | $ 67,000 |
| Burke, Georgia | 3 | $ 447,000 | $ 149,000 | $ 104,000 |
| Columbia, Georgia | 3 | $ 766,000 | $ 255,333 | $ 87,000 |
| Jefferson, Georgia | 3 | $ 553,000 | $ 184,333 | $ 71,000 |
| Murray, Georgia | 3 | $ 352,000 | $ 117,333 | $ 51,000 |
| Lexington, South Carolina | 3 | $ 472,000 | $ 157,333 | $ 42,000 |
| Habersham, Georgia | 2 | $ 297,000 | $ 148,500 | $ 40,000 |
| Lumpkin, Georgia | 2 | $ 325,000 | $ 162,500 | $ 86,000 |
| McDuffie, Georgia | 2 | $ 294,000 | $ 147,000 | $ 53,000 |
| Newton, Georgia | 2 | $ 124,000 | $ 62,000 | $ 47,000 |
| Troup, Georgia | 2 | $ 510,000 | $ 255,000 | $ 135,000 |
| Lancaster, South Carolina | 2 | $ 277,000 | $ 138,500 | $ 50,000 |
| Jackson, Tennessee | 2 | $ 234,000 | $ 117,000 | $ 26,000 |
| Rhea, Tennessee | 2 | $ 453,000 | $ 226,500 | $ 96,000 |
| Roane, Tennessee | 2 | $ 152,000 | $ 76,000 | $ 53,000 |
| Okaloosa, Florida | 1 | $ 138,000 | $ 138,000 | $ 164,000 |
| Banks, Georgia | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Bartow, Georgia | 1 | $ 249,000 | $ 249,000 | $ 243,000 |
| Bleckley, Georgia | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Brantley, Georgia | 1 | $ 161,000 | $ 161,000 | $ 38,000 |
| Bryan, Georgia | 1 | $ 171,000 | $ 171,000 | $ 88,000 |
| Carroll, Georgia | 1 | $ 112,000 | $ 112,000 | $ 39,000 |
| Chatham, Georgia | 1 | $ 283,000 | $ 283,000 | $ 84,000 |
| Clarke, Georgia | 1 | $ 232,000 | $ 232,000 | $ 112,000 |
| Dodge, Georgia | 1 | $ 187,000 | $ 187,000 | $ 108,000 |
| Floyd, Georgia | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Franklin, Georgia | 1 | $ 219,000 | $ 219,000 | $ 130,000 |
| Houston, Georgia | 1 | $ 173,000 | $ 173,000 | $ 87,000 |
| Jones, Georgia | 1 | $ 181,000 | $ 181,000 | $ 54,000 |
| Lamar, Georgia | 1 | $ 68,000 | $ 68,000 | $ 68,000 |
| Macon, Georgia | 1 | $ 199,000 | $ 199,000 | $ 98,000 |
| Meriwether, Georgia | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Monroe, Georgia | 1 | $ 142,000 | $ 142,000 | $ 41,000 |
| Pickens, Georgia | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Quitman, Georgia | 1 | $ 140,000 | $ 140,000 | $ 157,000 |
| Rockdale, Georgia | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| Towns, Georgia | 1 | $ 132,000 | $ 132,000 | $ 173,000 |
| Walker, Georgia | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Washington, Georgia | 1 | $ 146,000 | $ 146,000 | $ 55,000 |
| Whitfield, Georgia | 1 | $ 230,000 | $ 230,000 | $ 45,000 |
| Worth, Georgia | 1 | $ 196,000 | $ 196,000 | $ 90,000 |
| Cherokee, North Carolina | 1 | $ 278,000 | $ 278,000 | $ 86,000 |
| Wake, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Anderson, South Carolina | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Newberry, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Oconee, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 49,000 |
| Richland, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 95,000 |
| Saluda, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 32,000 |
| DeKalb, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 71,000 |
| Macon, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 64,000 |
| Van Buren, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Guaranty Mortgage Services LLC in 2012
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 | 515 | $76,983,000 | $149,000 | $440,000 | $68,000 | $500,000 |
| Refinancing | 86 | $13,383,000 | $155,000 | $417,000 | $81,000 | $1,250,000 |
| Home Improvement | 1 | $100,000 | $100,000 | $100,000 | $28,000 | $28,000 |
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 | 524 | $78,753,000 | $150,000 | $440,000 | $68,000 | $500,000 |
| Black or African American | 29 | $3,636,000 | $125,000 | $276,000 | $46,000 | $106,000 |
| Hispanic | 19 | $2,991,000 | $157,000 | $247,000 | $69,000 | $146,000 |
| Not Provided | 15 | $2,370,000 | $158,000 | $395,000 | $165,000 | $1,250,000 |
| Asian | 13 | $2,373,000 | $182,000 | $400,000 | $72,000 | $188,000 |
| American Indian or Alaskan Native | 1 | $267,000 | $267,000 | $267,000 | $120,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $76,000 | $76,000 | $76,000 | $33,000 | $33,000 |
| Not applicable | 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) | 250 | $41,709,000 | $166,000 | $417,000 | $90,000 | $1,250,000 |
| FHA-insured (Federal Housing Administration) | 189 | $25,784,000 | $136,000 | $352,000 | $59,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $9,973,000 | $106,000 | $219,000 | $38,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 69 | $13,000,000 | $188,000 | $440,000 | $68,000 | $168,000 |
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 | 444 | $65,522,000 | $147,000 | $440,000 | $67,000 | $500,000 |
| Application Withdrawn By Applicant | 92 | $15,558,000 | $169,000 | $417,000 | $88,000 | $1,250,000 |
| Application Denied By Financial Institution | 35 | $4,678,000 | $133,000 | $392,000 | $62,000 | $500,000 |
| Application Approved But Not Accepted | 31 | $4,708,000 | $151,000 | $417,000 | $65,000 | $162,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $877,000 | $109,000 | $250,000 | $98,000 | $500,000 |
| Debt-To-Income Ratio | 7 | $786,000 | $112,000 | $178,000 | $34,000 | $96,000 |
| Other | 7 | $1,031,000 | $147,000 | $288,000 | $59,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,186,000 | $197,000 | $392,000 | $81,000 | $165,000 |
| Credit History | 5 | $468,000 | $93,000 | $126,000 | $28,000 | $38,000 |
| Unverifiable Information | 2 | $330,000 | $165,000 | $265,000 | $51,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Mortgage Services LLC's 2012 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 Mortgage Services LLC'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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