Guaranty Residential Lending Mortgage Lending & HMDA Data, 2004

In 2004, Guaranty Residential Lending of Austin, TX reported 62,223 mortgage applications totaling $10.9 billion, down 38% from 2003. The average application was for $175,859, and applicants reported an average income of $75,472. 60% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (2,745), Los Angeles-Long Beach-Glendale, CA (2,742) and Riverside-San Bernardino-Ontario, CA (2,522) (applications in parentheses).

Mortgage Company & Address Guaranty Residential Lending
1300 S. Mopac Expwy
Austin, TX 78746
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 62,223
Total Mortgage Loan Application Amount $10,942,486,000
Average Mortgage Loan Application Amount $175,859
Highest Mortgage Loan Application Amount $3,250,000
Average Applicant Income $75,472
Highest Applicant Income $6,500,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Guaranty Residential Lending by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 2,742 $ 802,816,000 $ 292,784 $ 88,000
San Diego, California 1,733 $ 619,567,000 $ 357,511 $ 103,000
Riverside, California 1,365 $ 298,588,000 $ 218,745 $ 82,000
Travis, Texas 1,306 $ 166,425,000 $ 127,431 $ 78,000
San Bernardino, California 1,157 $ 200,723,000 $ 173,485 $ 81,000
Orange, California 1,094 $ 413,861,000 $ 378,300 $ 111,000
Bexar, Texas 1,073 $ 109,217,000 $ 101,786 $ 63,000
Cook, Illinois 912 $ 192,254,000 $ 210,804 $ 84,000
Tarrant, Texas 898 $ 80,906,000 $ 90,095 $ 80,000
Middlesex, Massachusetts 766 $ 210,234,000 $ 274,456 $ 89,000
Dallas, Texas 766 $ 56,356,000 $ 73,571 $ 90,000
Harris, Texas 753 $ 56,306,000 $ 74,775 $ 71,000
Hartford, Connecticut 687 $ 102,733,000 $ 149,538 $ 63,000
Chatham, Georgia 616 $ 81,332,000 $ 132,032 $ 64,000
Collin, Texas 591 $ 28,073,000 $ 47,500 $ 99,000
Oakland, Michigan 575 $ 111,625,000 $ 194,130 $ 76,000
Fairfield, Connecticut 562 $ 143,207,000 $ 254,816 $ 99,000
Fresno, California 558 $ 108,560,000 $ 194,551 $ 83,000
Cobb, Georgia 543 $ 88,930,000 $ 163,775 $ 64,000
Wayne, Michigan 532 $ 73,759,000 $ 138,644 $ 56,000
New Haven, Connecticut 528 $ 90,760,000 $ 171,893 $ 67,000
Hennepin, Minnesota 524 $ 100,881,000 $ 192,520 $ 68,000
San Joaquin, California 486 $ 94,254,000 $ 193,938 $ 63,000
Bell, Texas 485 $ 50,599,000 $ 104,327 $ 52,000
Denton, Texas 485 $ 34,565,000 $ 71,268 $ 104,000
Livingston, Michigan 477 $ 90,753,000 $ 190,257 $ 65,000
Macomb, Michigan 468 $ 68,538,000 $ 146,448 $ 51,000
Prince George's, Maryland 436 $ 74,120,000 $ 170,000 $ 75,000
Suffolk, New York 435 $ 99,517,000 $ 228,774 $ 80,000
Fulton, Georgia 432 $ 81,406,000 $ 188,439 $ 73,000
Williamson, Texas 425 $ 39,895,000 $ 93,870 $ 68,000
Maricopa, Arizona 417 $ 62,788,000 $ 150,570 $ 50,000
Contra Costa, California 399 $ 125,084,000 $ 313,493 $ 104,000
Providence, Rhode Island 397 $ 63,993,000 $ 161,191 $ 59,000
Clark, Nevada 390 $ 71,770,000 $ 184,025 $ 115,000
Suffolk, Massachusetts 375 $ 106,660,000 $ 284,426 $ 106,000
Montgomery, Maryland 368 $ 88,653,000 $ 240,904 $ 96,000
Lake, Indiana 362 $ 39,505,000 $ 109,129 $ 46,000
Sonoma, California 359 $ 112,374,000 $ 313,019 $ 93,000
Liberty, Georgia 354 $ 32,959,000 $ 93,104 $ 40,000
Madison, Alabama 327 $ 32,698,000 $ 99,993 $ 47,000
Fairfax, Virginia 327 $ 70,478,000 $ 215,529 $ 96,000
Lackawanna, Pennsylvania 320 $ 29,964,000 $ 93,637 $ 51,000
Marion, Indiana 317 $ 37,803,000 $ 119,252 $ 56,000
Stanislaus, California 315 $ 61,631,000 $ 195,653 $ 80,000
Pueblo, Colorado 311 $ 36,418,000 $ 117,099 $ 42,000
Gwinnett, Georgia 294 $ 44,751,000 $ 152,214 $ 64,000
Orange, Florida 290 $ 50,685,000 $ 174,775 $ 68,000
Washoe, Nevada 279 $ 51,419,000 $ 184,297 $ 73,000
Essex, Massachusetts 273 $ 67,382,000 $ 246,820 $ 84,000
Fayette, Georgia 268 $ 50,411,000 $ 188,100 $ 91,000
Brown, Wisconsin 266 $ 30,940,000 $ 116,315 $ 49,000
DeKalb, Georgia 265 $ 43,989,000 $ 165,996 $ 71,000
Santa Clara, California 264 $ 90,345,000 $ 342,215 $ 130,000
Luzerne, Pennsylvania 261 $ 21,776,000 $ 83,432 $ 50,000
Bristol, Massachusetts 252 $ 46,993,000 $ 186,480 $ 67,000
Middlesex, Connecticut 241 $ 44,343,000 $ 183,995 $ 85,000
Baltimore, Maryland 239 $ 39,582,000 $ 165,615 $ 89,000
Alameda, California 230 $ 69,043,000 $ 300,186 $ 108,000
Genesee, Michigan 229 $ 28,074,000 $ 122,593 $ 51,000
Montgomery, Texas 224 $ 20,635,000 $ 92,120 $ 54,000
Davidson, Tennessee 223 $ 33,451,000 $ 150,004 $ 54,000
Norfolk, Massachusetts 222 $ 66,504,000 $ 299,567 $ 130,000
Hillsborough, New Hampshire 216 $ 34,161,000 $ 158,152 $ 87,000
Washtenaw, Michigan 213 $ 41,014,000 $ 192,553 $ 77,000
Galveston, Texas 213 $ 21,833,000 $ 102,502 $ 62,000
El Paso, Colorado 211 $ 37,451,000 $ 177,492 $ 44,000
Garland, Arkansas 208 $ 22,512,000 $ 108,230 $ 42,000
Anne Arundel, Maryland 203 $ 34,307,000 $ 169,000 $ 80,000
Summit, Ohio 196 $ 20,792,000 $ 106,081 $ 62,000
DuPage, Illinois 193 $ 42,366,000 $ 219,512 $ 82,000
Ventura, California 191 $ 66,907,000 $ 350,298 $ 104,000
Monroe, Pennsylvania 191 $ 27,565,000 $ 144,319 $ 69,000
Oklahoma, Oklahoma 187 $ 18,210,000 $ 97,379 $ 53,000
Sacramento, California 185 $ 39,540,000 $ 213,729 $ 72,000
Westchester, New York 183 $ 56,970,000 $ 311,311 $ 111,000
Seminole, Florida 180 $ 31,935,000 $ 177,416 $ 78,000
Baxter, Arkansas 179 $ 20,520,000 $ 114,636 $ 50,000
Jefferson, Colorado 176 $ 33,398,000 $ 189,761 $ 66,000
Queens, New York 176 $ 47,304,000 $ 268,772 $ 98,000
Nassau, New York 174 $ 46,364,000 $ 266,459 $ 100,000
Ramsey, Minnesota 173 $ 27,864,000 $ 161,063 $ 60,000
Will, Illinois 172 $ 30,654,000 $ 178,220 $ 68,000
Broward, Florida 170 $ 30,774,000 $ 181,023 $ 79,000
Coweta, Georgia 169 $ 22,387,000 $ 132,467 $ 74,000
Chesterfield, Virginia 169 $ 23,156,000 $ 137,017 $ 55,000
District of Columbia, District Of Columbia 167 $ 30,420,000 $ 182,155 $ 82,000
Yuma, Arizona 166 $ 19,121,000 $ 115,186 $ 58,000
Anoka, Minnesota 165 $ 30,306,000 $ 183,672 $ 54,000
Plymouth, Massachusetts 159 $ 36,518,000 $ 229,672 $ 73,000
Delaware, Indiana 156 $ 11,704,000 $ 75,025 $ 41,000
Worcester, Massachusetts 154 $ 33,666,000 $ 218,610 $ 93,000
Wake, North Carolina 154 $ 26,049,000 $ 169,149 $ 72,000
Bulloch, Georgia 153 $ 15,734,000 $ 102,836 $ 51,000
St. Clair, Illinois 152 $ 15,454,000 $ 101,671 $ 46,000
Monmouth, New Jersey 151 $ 39,769,000 $ 263,370 $ 126,000
Matanuska-Susitna, Alaska 150 $ 25,548,000 $ 170,320 $ 70,000
Merced, California 150 $ 22,716,000 $ 151,440 $ 56,000
Saginaw, Michigan 149 $ 14,026,000 $ 94,134 $ 54,000
Henrico, Virginia 148 $ 19,559,000 $ 132,155 $ 72,000
Denver, Colorado 146 $ 24,222,000 $ 165,904 $ 60,000
Litchfield, Connecticut 146 $ 27,842,000 $ 190,698 $ 98,000
Lake, Illinois 146 $ 36,030,000 $ 246,780 $ 105,000
Dakota, Minnesota 144 $ 27,702,000 $ 192,375 $ 67,000
King, Washington 144 $ 28,024,000 $ 194,611 $ 67,000
Fort Bend, Texas 142 $ 10,471,000 $ 73,739 $ 90,000
Adams, Colorado 137 $ 23,079,000 $ 168,459 $ 52,000
Volusia, Florida 134 $ 18,178,000 $ 135,656 $ 66,000
Arapahoe, Colorado 133 $ 23,092,000 $ 173,624 $ 64,000
Harford, Maryland 133 $ 23,340,000 $ 175,488 $ 61,000
Miami-Dade, Florida 132 $ 24,886,000 $ 188,530 $ 89,000
Kent, Rhode Island 131 $ 22,842,000 $ 174,366 $ 59,000
Grand Traverse, Michigan 128 $ 16,780,000 $ 131,093 $ 53,000
Howard, Maryland 127 $ 28,376,000 $ 223,433 $ 102,000
Palm Beach, Florida 125 $ 24,606,000 $ 196,848 $ 102,000
Cleveland, Oklahoma 123 $ 12,534,000 $ 101,902 $ 59,000
Roanoke City, Virginia 123 $ 11,150,000 $ 90,650 $ 36,000
Henry, Georgia 121 $ 16,429,000 $ 135,776 $ 52,000
Kings, New York 121 $ 37,691,000 $ 311,495 $ 75,000
Baltimore City, Maryland 120 $ 12,777,000 $ 106,475 $ 61,000
Coryell, Texas 120 $ 11,520,000 $ 96,000 $ 45,000
St. Clair, Michigan 119 $ 14,555,000 $ 122,310 $ 57,000
Prince William, Virginia 119 $ 19,863,000 $ 166,915 $ 89,000
El Paso, Texas 118 $ 10,910,000 $ 92,457 $ 68,000
New London, Connecticut 117 $ 18,506,000 $ 158,170 $ 65,000
Tulare, California 116 $ 14,517,000 $ 125,146 $ 53,000
Weld, Colorado 115 $ 18,918,000 $ 164,504 $ 55,000
Hillsborough, Florida 115 $ 18,671,000 $ 162,356 $ 67,000
Frederick, Maryland 115 $ 18,927,000 $ 164,582 $ 78,000
Larimer, Colorado 113 $ 18,936,000 $ 167,575 $ 60,000
New Castle, Delaware 113 $ 17,941,000 $ 158,769 $ 77,000
Rockingham, New Hampshire 113 $ 25,138,000 $ 222,460 $ 100,000
Nueces, Texas 113 $ 11,860,000 $ 104,955 $ 72,000
Wayne, Pennsylvania 112 $ 11,912,000 $ 106,357 $ 66,000
Loudoun, Virginia 112 $ 20,952,000 $ 187,071 $ 107,000
Polk, Florida 108 $ 12,749,000 $ 118,046 $ 51,000
Rock Island, Illinois 108 $ 8,271,000 $ 76,583 $ 38,000
Duval, Florida 107 $ 14,173,000 $ 132,457 $ 57,000
Allen, Indiana 107 $ 10,933,000 $ 102,177 $ 54,000
Hays, Texas 107 $ 11,982,000 $ 111,981 $ 63,000
Calaveras, California 102 $ 18,639,000 $ 182,735 $ 66,000
Ocean, New Jersey 102 $ 21,791,000 $ 213,637 $ 89,000
McLennan, Texas 102 $ 9,726,000 $ 95,352 $ 75,000
Comal, Texas 100 $ 14,170,000 $ 141,700 $ 70,000
Milwaukee, Wisconsin 100 $ 9,968,000 $ 99,680 $ 54,000
Lee, Florida 97 $ 15,321,000 $ 157,948 $ 107,000
Orange, New York 97 $ 16,195,000 $ 166,958 $ 72,000
Clayton, Georgia 96 $ 9,851,000 $ 102,614 $ 46,000
Rockbridge, Virginia 96 $ 11,767,000 $ 122,572 $ 47,000
Roanoke, Virginia 94 $ 12,002,000 $ 127,680 $ 52,000
Madison, Indiana 93 $ 7,682,000 $ 82,602 $ 48,000
Cherokee, Georgia 92 $ 14,662,000 $ 159,369 $ 71,000
Guadalupe, Texas 91 $ 10,924,000 $ 120,043 $ 73,000
Olmsted, Minnesota 85 $ 12,920,000 $ 152,000 $ 65,000
Solano, California 84 $ 20,668,000 $ 246,047 $ 97,000
Leon, Florida 84 $ 9,001,000 $ 107,154 $ 51,000
Porter, Indiana 83 $ 12,131,000 $ 146,156 $ 61,000
Hendricks, Indiana 82 $ 11,026,000 $ 134,463 $ 55,000
Scott, Minnesota 81 $ 16,462,000 $ 203,234 $ 76,000
Middlesex, New Jersey 81 $ 18,744,000 $ 231,407 $ 110,000
Gaston, North Carolina 81 $ 8,983,000 $ 110,901 $ 40,000
Johnson, Indiana 80 $ 10,006,000 $ 125,075 $ 54,000
Greene, Missouri 80 $ 7,858,000 $ 98,225 $ 41,000
Carbon, Pennsylvania 80 $ 8,630,000 $ 107,875 $ 71,000
Hall, Georgia 77 $ 11,333,000 $ 147,181 $ 77,000
Butte, California 76 $ 12,154,000 $ 159,921 $ 70,000
Morgan, Alabama 74 $ 8,206,000 $ 110,891 $ 44,000
Ingham, Michigan 73 $ 11,233,000 $ 153,876 $ 67,000
Lincoln, North Carolina 73 $ 6,850,000 $ 93,835 $ 35,000
Kern, California 72 $ 8,835,000 $ 122,708 $ 53,000
Douglas, Georgia 72 $ 10,832,000 $ 150,444 $ 67,000
Stark, Ohio 72 $ 6,626,000 $ 92,027 $ 47,000
Tolland, Connecticut 71 $ 11,608,000 $ 163,492 $ 77,000
Kane, Illinois 71 $ 14,423,000 $ 203,140 $ 81,000
Merrimack, New Hampshire 71 $ 11,543,000 $ 162,577 $ 68,000
Brazoria, Texas 71 $ 4,444,000 $ 62,591 $ 70,000
San Mateo, California 70 $ 26,901,000 $ 384,300 $ 166,000
Brevard, Florida 70 $ 11,629,000 $ 166,128 $ 80,000
St. Tammany, Louisiana 70 $ 8,669,000 $ 123,842 $ 59,000
Manistee, Michigan 69 $ 6,864,000 $ 99,478 $ 40,000
Washington, Minnesota 69 $ 15,790,000 $ 228,840 $ 74,000
East Baton Rouge, Louisiana 68 $ 7,435,000 $ 109,338 $ 58,000
Barnstable, Massachusetts 68 $ 18,994,000 $ 279,323 $ 159,000
Kent, Michigan 68 $ 9,274,000 $ 136,382 $ 62,000
Rutherford, Tennessee 68 $ 9,038,000 $ 132,911 $ 57,000
Windham, Connecticut 67 $ 9,825,000 $ 146,641 $ 60,000
Osceola, Florida 67 $ 12,145,000 $ 181,268 $ 80,000
Delaware, Pennsylvania 67 $ 15,105,000 $ 225,447 $ 120,000
Williamson, Tennessee 66 $ 12,160,000 $ 184,242 $ 63,000
Snohomish, Washington 66 $ 11,686,000 $ 177,060 $ 80,000
Paulding, Georgia 64 $ 7,714,000 $ 120,531 $ 52,000
Chester, Pennsylvania 63 $ 14,102,000 $ 223,841 $ 97,000
Wright, Minnesota 62 $ 10,565,000 $ 170,403 $ 65,000
Richmond City, Virginia 62 $ 7,346,000 $ 118,483 $ 77,000
Lafayette, Louisiana 61 $ 6,590,000 $ 108,032 $ 43,000
Charles, Maryland 61 $ 9,197,000 $ 150,770 $ 76,000
Pasquotank, North Carolina 60 $ 6,918,000 $ 115,300 $ 70,000
Newton, Georgia 59 $ 6,160,000 $ 104,406 $ 49,000
Pierce, Washington 58 $ 10,324,000 $ 178,000 $ 62,000
Portage, Ohio 57 $ 6,352,000 $ 111,438 $ 61,000
Clark, Washington 57 $ 10,591,000 $ 185,807 $ 69,000
McHenry, Illinois 56 $ 11,052,000 $ 197,357 $ 79,000
Hamilton, Indiana 56 $ 8,433,000 $ 150,589 $ 68,000
Orleans, Louisiana 56 $ 7,043,000 $ 125,767 $ 66,000
Buena Vista, Virginia 56 $ 5,870,000 $ 104,821 $ 43,000
Charlotte, Florida 55 $ 8,800,000 $ 160,000 $ 87,000
Jefferson, Alabama 54 $ 7,152,000 $ 132,444 $ 69,000
San Francisco, California 54 $ 22,704,000 $ 420,444 $ 139,000
Boulder, Colorado 54 $ 13,118,000 $ 242,925 $ 120,000
Lake, Florida 54 $ 8,406,000 $ 155,666 $ 73,000
Mecklenburg, North Carolina 54 $ 9,355,000 $ 173,240 $ 73,000
Jackson, Oregon 54 $ 8,038,000 $ 148,851 $ 67,000
Morgan, Colorado 52 $ 5,521,000 $ 106,173 $ 41,000
Bronx, New York 52 $ 12,561,000 $ 241,557 $ 74,000
Montgomery, Pennsylvania 52 $ 13,826,000 $ 265,884 $ 144,000
Sarasota, Florida 51 $ 9,958,000 $ 195,254 $ 88,000
Madison, Illinois 51 $ 5,089,000 $ 99,784 $ 48,000
Washington, Rhode Island 51 $ 9,509,000 $ 186,450 $ 82,000
Ellis, Texas 51 $ 3,397,000 $ 66,607 $ 87,000
Forsyth, Georgia 50 $ 10,271,000 $ 205,420 $ 88,000
Bastrop, Texas 50 $ 5,067,000 $ 101,340 $ 62,000
Parker, Texas 50 $ 4,938,000 $ 98,760 $ 74,000
Rockland, New York 49 $ 12,750,000 $ 260,204 $ 103,000
Bucks, Pennsylvania 49 $ 12,592,000 $ 256,979 $ 150,000
Kaufman, Texas 49 $ 3,344,000 $ 68,244 $ 85,000
Rockwall, Texas 49 $ 2,791,000 $ 56,959 $ 111,000
Sherburne, Minnesota 48 $ 9,414,000 $ 196,125 $ 64,000
Anchorage, Alaska 47 $ 10,084,000 $ 214,553 $ 63,000
Pima, Arizona 47 $ 5,880,000 $ 125,106 $ 58,000
Douglas, Colorado 47 $ 10,253,000 $ 218,148 $ 90,000
Arlington, Virginia 47 $ 10,266,000 $ 218,425 $ 116,000
Richmond, Georgia 46 $ 4,788,000 $ 104,086 $ 44,000
Spalding, Georgia 46 $ 5,594,000 $ 121,608 $ 50,000
Kalkaska, Michigan 45 $ 4,655,000 $ 103,444 $ 50,000
Bryan, Georgia 43 $ 5,654,000 $ 131,488 $ 61,000
Effingham, Georgia 43 $ 5,087,000 $ 118,302 $ 49,000
Bedford, Virginia 43 $ 5,660,000 $ 131,627 $ 57,000
Morgan, Indiana 42 $ 4,847,000 $ 115,404 $ 42,000
New York, New York 42 $ 19,664,000 $ 468,190 $ 154,000
Bradford, Pennsylvania 42 $ 3,704,000 $ 88,190 $ 47,000
Shelby, Tennessee 42 $ 5,768,000 $ 137,333 $ 71,000
Jefferson, Texas 42 $ 3,235,000 $ 77,023 $ 62,000
Medina, Texas 42 $ 5,832,000 $ 138,857 $ 68,000
Collier, Florida 41 $ 8,724,000 $ 212,780 $ 141,000
Wexford, Michigan 41 $ 3,782,000 $ 92,243 $ 41,000
Lampasas, Texas 40 $ 4,827,000 $ 120,675 $ 49,000
Wilson, Texas 40 $ 4,873,000 $ 121,825 $ 61,000
Hinds, Mississippi 39 $ 3,281,000 $ 84,128 $ 30,000
Placer, California 38 $ 10,927,000 $ 287,552 $ 98,000
Columbia, Georgia 38 $ 5,231,000 $ 137,657 $ 54,000
Walton, Georgia 38 $ 4,477,000 $ 117,815 $ 62,000
Shelby, Kentucky 38 $ 5,230,000 $ 137,631 $ 56,000
Benzie, Michigan 38 $ 4,863,000 $ 127,973 $ 48,000
Bergen, New Jersey 38 $ 11,740,000 $ 308,947 $ 122,000
Hidalgo, Texas 38 $ 3,645,000 $ 95,921 $ 58,000
Madera, California 37 $ 5,433,000 $ 146,837 $ 67,000
Hanover, Virginia 37 $ 4,737,000 $ 128,027 $ 67,000
Pinellas, Florida 36 $ 6,141,000 $ 170,583 $ 70,000
St. Louis, Minnesota 36 $ 4,604,000 $ 127,888 $ 64,000
Gallatin, Montana 36 $ 5,263,000 $ 146,194 $ 62,000
Philadelphia, Pennsylvania 36 $ 5,543,000 $ 153,972 $ 81,000
Stafford, Virginia 36 $ 7,438,000 $ 206,611 $ 93,000
Virginia Beach, Virginia 36 $ 5,881,000 $ 163,361 $ 71,000
Kauai, Hawaii 35 $ 13,242,000 $ 378,342 $ 119,000
Hampden, Massachusetts 35 $ 4,891,000 $ 139,742 $ 60,000
Lake, California 34 $ 6,487,000 $ 190,794 $ 66,000
Talbot, Maryland 34 $ 5,551,000 $ 163,264 $ 112,000
Washington, Maryland 34 $ 4,750,000 $ 139,705 $ 57,000
Franklin, Ohio 34 $ 4,588,000 $ 134,941 $ 63,000
Waukesha, Wisconsin 34 $ 7,555,000 $ 222,205 $ 130,000
Pasco, Florida 33 $ 3,969,000 $ 120,272 $ 76,000
Calvert, Maryland 33 $ 5,953,000 $ 180,393 $ 73,000
Bay, Michigan 33 $ 3,409,000 $ 103,303 $ 60,000
Brazos, Texas 33 $ 2,042,000 $ 61,878 $ 85,000
Cameron, Texas 33 $ 2,378,000 $ 72,060 $ 110,000
Salt Lake, Utah 33 $ 5,961,000 $ 180,636 $ 67,000
Kings, California 32 $ 3,874,000 $ 121,062 $ 68,000
Bartow, Georgia 32 $ 3,282,000 $ 102,562 $ 83,000
Kalamazoo, Michigan 32 $ 3,772,000 $ 117,875 $ 53,000
Passaic, New Jersey 32 $ 7,128,000 $ 222,750 $ 97,000
El Dorado, California 31 $ 8,223,000 $ 265,258 $ 110,000
Yolo, California 31 $ 7,227,000 $ 233,129 $ 82,000
Jefferson, Louisiana 31 $ 3,934,000 $ 126,903 $ 52,000
Livingston, Louisiana 31 $ 2,833,000 $ 91,387 $ 64,000
Carver, Minnesota 31 $ 5,947,000 $ 191,838 $ 63,000
Washington, Oregon 31 $ 6,881,000 $ 221,967 $ 80,000
St. Croix, Wisconsin 31 $ 6,372,000 $ 205,548 $ 113,000
Baldwin, Alabama 30 $ 4,310,000 $ 143,666 $ 64,000
Santa Cruz, California 30 $ 10,679,000 $ 355,966 $ 75,000
Durham, North Carolina 30 $ 3,468,000 $ 115,600 $ 47,000
Iredell, North Carolina 30 $ 3,908,000 $ 130,266 $ 47,000
Johnson, Texas 30 $ 1,967,000 $ 65,566 $ 91,000
Outagamie, Wisconsin 30 $ 3,760,000 $ 125,333 $ 55,000
Limestone, Alabama 29 $ 3,562,000 $ 122,827 $ 52,000
Jackson, Georgia 29 $ 3,830,000 $ 132,068 $ 56,000
St. Landry, Louisiana 29 $ 2,284,000 $ 78,758 $ 33,000
Richmond, New York 29 $ 8,157,000 $ 281,275 $ 109,000
Cuyahoga, Ohio 29 $ 3,696,000 $ 127,448 $ 77,000
Canadian, Oklahoma 29 $ 3,519,000 $ 121,344 $ 58,000
Houston, Alabama 28 $ 2,710,000 $ 96,785 $ 52,000
Marion, Arkansas 28 $ 2,573,000 $ 91,892 $ 36,000
Tuolumne, California 28 $ 6,796,000 $ 242,714 $ 104,000
Marion, Florida 28 $ 2,994,000 $ 106,928 $ 51,000
York, Maine 28 $ 6,968,000 $ 248,857 $ 111,000
Jackson, Michigan 28 $ 3,897,000 $ 139,178 $ 55,000
Strafford, New Hampshire 28 $ 4,638,000 $ 165,642 $ 95,000
Pike, Pennsylvania 28 $ 3,796,000 $ 135,571 $ 80,000
Shasta, California 27 $ 2,398,000 $ 88,814 $ 68,000
Blackford, Indiana 27 $ 1,836,000 $ 68,000 $ 34,000
Iberia, Louisiana 27 $ 2,544,000 $ 94,222 $ 34,000
Cecil, Maryland 27 $ 4,696,000 $ 173,925 $ 63,000
Berrien, Michigan 27 $ 3,463,000 $ 128,259 $ 56,000
Crawford, Michigan 27 $ 2,490,000 $ 92,222 $ 83,000
Jasper, Missouri 27 $ 2,283,000 $ 84,555 $ 55,000
Berks, Pennsylvania 27 $ 3,401,000 $ 125,962 $ 63,000
York, Pennsylvania 27 $ 3,102,000 $ 114,888 $ 65,000
Alexandria, Virginia 27 $ 5,700,000 $ 211,111 $ 105,000
Oconto, Wisconsin 27 $ 3,187,000 $ 118,037 $ 54,000
Sheboygan, Wisconsin 27 $ 3,269,000 $ 121,074 $ 53,000
Marin, California 26 $ 13,114,000 $ 504,384 $ 186,000
Jefferson, Kentucky 26 $ 3,863,000 $ 148,576 $ 61,000
Avoyelles, Louisiana 26 $ 2,354,000 $ 90,538 $ 50,000
Antrim, Michigan 26 $ 2,857,000 $ 109,884 $ 55,000
Ottawa, Michigan 26 $ 3,829,000 $ 147,269 $ 63,000
Shiawassee, Michigan 26 $ 3,359,000 $ 129,192 $ 54,000
Rice, Minnesota 26 $ 4,109,000 $ 158,038 $ 74,000
Essex, New Jersey 26 $ 6,153,000 $ 236,653 $ 108,000
Okaloosa, Florida 25 $ 5,165,000 $ 206,600 $ 78,000
Whitfield, Georgia 25 $ 4,224,000 $ 168,960 $ 66,000
Calcasieu, Louisiana 25 $ 2,243,000 $ 89,720 $ 41,000
Vermilion, Louisiana 25 $ 1,946,000 $ 77,840 $ 32,000
Muskegon, Michigan 25 $ 3,312,000 $ 132,480 $ 55,000
Otsego, Michigan 25 $ 2,522,000 $ 100,880 $ 42,000
Roscommon, Michigan 25 $ 2,498,000 $ 99,920 $ 67,000
Christian, Missouri 25 $ 2,818,000 $ 112,720 $ 43,000
Utah, Utah 25 $ 4,229,000 $ 169,160 $ 61,000
Salem, Virginia 25 $ 2,619,000 $ 104,760 $ 48,000
Hot Spring, Arkansas 24 $ 2,063,000 $ 85,958 $ 60,000
Amador, California 24 $ 4,410,000 $ 183,750 $ 60,000
Long, Georgia 24 $ 1,924,000 $ 80,166 $ 29,000
Ascension, Louisiana 24 $ 2,908,000 $ 121,166 $ 48,000
Carroll, Maryland 24 $ 3,295,000 $ 137,291 $ 99,000
Queen Anne's, Maryland 24 $ 5,384,000 $ 224,333 $ 86,000
Midland, Michigan 24 $ 2,232,000 $ 93,000 $ 47,000
Stearns, Minnesota 24 $ 3,104,000 $ 129,333 $ 53,000
Union, New Jersey 24 $ 5,683,000 $ 236,791 $ 121,000
Ulster, New York 24 $ 3,432,000 $ 143,000 $ 68,000
Multnomah, Oregon 24 $ 3,993,000 $ 166,375 $ 88,000
Burnet, Texas 24 $ 3,636,000 $ 151,500 $ 76,000
Kent, Delaware 23 $ 3,532,000 $ 153,565 $ 51,000
Rapides, Louisiana 23 $ 2,950,000 $ 128,260 $ 60,000
Lapeer, Michigan 23 $ 3,236,000 $ 140,695 $ 49,000
Dutchess, New York 23 $ 4,697,000 $ 204,217 $ 75,000
Barrow, Georgia 22 $ 2,641,000 $ 120,045 $ 72,000
Rockdale, Georgia 22 $ 2,973,000 $ 135,136 $ 68,000
Hawaii, Hawaii 22 $ 5,228,000 $ 237,636 $ 150,000
Caddo, Louisiana 22 $ 2,229,000 $ 101,318 $ 51,000
St. Martin, Louisiana 22 $ 2,095,000 $ 95,227 $ 44,000
Leelanau, Michigan 22 $ 3,935,000 $ 178,863 $ 93,000
Hood, Texas 22 $ 1,701,000 $ 77,318 $ 119,000
Kendall, Texas 22 $ 2,801,000 $ 127,318 $ 65,000
Mohave, Arizona 21 $ 2,746,000 $ 130,761 $ 87,000
Napa, California 21 $ 7,731,000 $ 368,142 $ 126,000
Kendall, Illinois 21 $ 4,653,000 $ 221,571 $ 167,000
Johnson, Kansas 21 $ 4,137,000 $ 197,000 $ 298,000
Lyon, Nevada 21 $ 2,630,000 $ 125,238 $ 81,000
Morris, New Jersey 21 $ 6,632,000 $ 315,809 $ 200,000
Newport, Rhode Island 21 $ 5,449,000 $ 259,476 $ 138,000
Milam, Texas 21 $ 1,615,000 $ 76,904 $ 43,000
Yavapai, Arizona 20 $ 2,843,000 $ 142,150 $ 61,000
Pulaski, Arkansas 20 $ 2,413,000 $ 120,650 $ 73,000
St. Lucie, Florida 20 $ 2,935,000 $ 146,750 $ 76,000
Terrebonne, Louisiana 20 $ 1,741,000 $ 87,050 $ 35,000
Tulsa, Oklahoma 20 $ 2,953,000 $ 147,650 $ 84,000
Lane, Oregon 20 $ 1,797,000 $ 89,850 $ 74,000
Llano, Texas 20 $ 2,552,000 $ 127,600 $ 123,000
Lynchburg, Virginia 20 $ 1,755,000 $ 87,750 $ 59,000
Plumas, California 19 $ 2,643,000 $ 139,105 $ 75,000
Broomfield, Colorado 19 $ 4,020,000 $ 211,578 $ 46,000
St. Johns, Florida 19 $ 4,708,000 $ 247,789 $ 108,000
Blaine, Idaho 19 $ 4,202,000 $ 221,157 $ 83,000
Acadia, Louisiana 19 $ 1,614,000 $ 84,947 $ 33,000
Santa Fe, New Mexico 19 $ 7,478,000 $ 393,578 $ 121,000
Columbia, Pennsylvania 19 $ 1,372,000 $ 72,210 $ 35,000
Atascosa, Texas 19 $ 1,919,000 $ 101,000 $ 54,000
Smith, Texas 19 $ 1,225,000 $ 64,473 $ 100,000
Spotsylvania, Virginia 19 $ 2,494,000 $ 131,263 $ 74,000
Honolulu, Hawaii 18 $ 4,694,000 $ 260,777 $ 106,000
Jasper, Indiana 18 $ 1,919,000 $ 106,611 $ 47,000
Belknap, New Hampshire 18 $ 3,029,000 $ 168,277 $ 91,000
Carroll, New Hampshire 18 $ 2,698,000 $ 149,888 $ 97,000
Beaufort, South Carolina 18 $ 5,071,000 $ 281,722 $ 136,000
Bandera, Texas 18 $ 2,000,000 $ 111,111 $ 150,000
Grayson, Texas 18 $ 1,001,000 $ 55,611 $ 107,000
Hunt, Texas 18 $ 1,055,000 $ 58,611 $ 89,000
Augusta, Virginia 18 $ 1,878,000 $ 104,333 $ 46,000
Whatcom, Washington 18 $ 2,345,000 $ 130,277 $ 39,000
Monterey, California 17 $ 6,740,000 $ 396,470 $ 117,000
Boone, Indiana 17 $ 1,843,000 $ 108,411 $ 72,000
Newton, Missouri 17 $ 1,816,000 $ 106,823 $ 66,000
Burlington, New Jersey 17 $ 3,385,000 $ 199,117 $ 58,000
Mercer, New Jersey 17 $ 3,975,000 $ 233,823 $ 107,000
Somerset, New Jersey 17 $ 4,304,000 $ 253,176 $ 128,000
Putnam, New York 17 $ 4,034,000 $ 237,294 $ 75,000
Johnston, North Carolina 17 $ 2,047,000 $ 120,411 $ 38,000
McClain, Oklahoma 17 $ 2,079,000 $ 122,294 $ 55,000
Gibson, Tennessee 17 $ 1,356,000 $ 79,764 $ 55,000
Lexington, Virginia 17 $ 2,438,000 $ 143,411 $ 62,000
Imperial, California 16 $ 2,631,000 $ 164,437 $ 61,000
Santa Barbara, California 16 $ 5,832,000 $ 364,500 $ 136,000
Randolph, Indiana 16 $ 1,313,000 $ 82,062 $ 35,000
Polk, Iowa 16 $ 1,285,000 $ 80,312 $ 85,000
Nantucket, Massachusetts 16 $ 7,419,000 $ 463,687 $ 224,000
Charlevoix, Michigan 16 $ 2,068,000 $ 129,250 $ 47,000
Monroe, Michigan 16 $ 1,948,000 $ 121,750 $ 59,000
Chisago, Minnesota 16 $ 2,722,000 $ 170,125 $ 93,000
Crow Wing, Minnesota 16 $ 2,372,000 $ 148,250 $ 43,000
Bernalillo, New Mexico 16 $ 3,099,000 $ 193,687 $ 68,000
Northampton, Pennsylvania 16 $ 2,022,000 $ 126,375 $ 77,000
Gregg, Texas 16 $ 1,460,000 $ 91,250 $ 46,000
Walker, Texas 16 $ 1,029,000 $ 64,312 $ 82,000
Kewaunee, Wisconsin 16 $ 1,772,000 $ 110,750 $ 41,000
Autauga, Alabama 15 $ 1,843,000 $ 122,866 $ 57,000
Pinal, Arizona 15 $ 2,958,000 $ 197,200 $ 58,000
Sussex, Delaware 15 $ 3,782,000 $ 252,133 $ 77,000
Santa Rosa, Florida 15 $ 2,700,000 $ 180,000 $ 87,000
Bossier, Louisiana 15 $ 1,361,000 $ 90,733 $ 56,000
Calhoun, Michigan 15 $ 1,913,000 $ 127,533 $ 47,000
Van Buren, Michigan 15 $ 1,832,000 $ 122,133 $ 54,000
Isanti, Minnesota 15 $ 2,545,000 $ 169,666 $ 61,000
Cheshire, New Hampshire 15 $ 1,704,000 $ 113,600 $ 60,000
Sullivan, New York 15 $ 1,968,000 $ 131,200 $ 64,000
Maury, Tennessee 15 $ 1,798,000 $ 119,866 $ 66,000
Gillespie, Texas 15 $ 1,584,000 $ 105,600 $ 51,000
Hardin, Texas 15 $ 1,460,000 $ 97,333 $ 141,000
Washington, Texas 15 $ 1,261,000 $ 84,066 $ 48,000
Webb, Texas 15 $ 1,462,000 $ 97,466 $ 56,000
Wise, Texas 15 $ 1,062,000 $ 70,800 $ 76,000
Botetourt, Virginia 15 $ 2,194,000 $ 146,266 $ 57,000
Chesapeake, Virginia 15 $ 2,055,000 $ 137,000 $ 73,000
Culpeper, Virginia 15 $ 1,784,000 $ 118,933 $ 106,000
Franklin, Virginia 15 $ 2,204,000 $ 146,933 $ 60,000
Sutter, California 14 $ 2,131,000 $ 152,214 $ 75,000
Clay, Florida 14 $ 1,685,000 $ 120,357 $ 80,000
Manatee, Florida 14 $ 2,584,000 $ 184,571 $ 83,000
Scott, Iowa 14 $ 1,540,000 $ 110,000 $ 56,000
Worcester, Maryland 14 $ 2,724,000 $ 194,571 $ 210,000
Eaton, Michigan 14 $ 1,767,000 $ 126,214 $ 56,000
Goodhue, Minnesota 14 $ 2,011,000 $ 143,642 $ 60,000
Hudson, New Jersey 14 $ 3,599,000 $ 257,071 $ 95,000
Schuylkill, Pennsylvania 14 $ 939,000 $ 67,071 $ 44,000
Wyoming, Pennsylvania 14 $ 1,268,000 $ 90,571 $ 42,000
Campbell, Virginia 14 $ 1,221,000 $ 87,214 $ 58,000
Thurston, Washington 14 $ 1,404,000 $ 100,285 $ 58,000
San Luis Obispo, California 13 $ 4,143,000 $ 318,692 $ 183,000
Escambia, Florida 13 $ 1,233,000 $ 94,846 $ 96,000
Flagler, Florida 13 $ 2,403,000 $ 184,846 $ 73,000
Carroll, Georgia 13 $ 1,512,000 $ 116,307 $ 53,000
Ada, Idaho 13 $ 1,771,000 $ 136,230 $ 80,000
St. Joseph, Indiana 13 $ 1,305,000 $ 100,384 $ 64,000
Hampshire, Massachusetts 13 $ 2,469,000 $ 189,923 $ 76,000
Allegan, Michigan 13 $ 1,730,000 $ 133,076 $ 57,000
Otter Tail, Minnesota 13 $ 1,868,000 $ 143,692 $ 59,000
Madison, Mississippi 13 $ 1,525,000 $ 117,307 $ 35,000
St. Louis, Missouri 13 $ 1,275,000 $ 98,076 $ 48,000
Camden, New Jersey 13 $ 1,499,000 $ 115,307 $ 95,000
Hamilton, Tennessee 13 $ 1,850,000 $ 142,307 $ 109,000
Aransas, Texas 13 $ 1,968,000 $ 151,384 $ 229,000
Kerr, Texas 13 $ 1,312,000 $ 100,923 $ 71,000
Norfolk, Virginia 13 $ 1,065,000 $ 81,923 $ 45,000
Powhatan, Virginia 13 $ 2,081,000 $ 160,076 $ 76,000
Montgomery, Alabama 12 $ 1,373,000 $ 114,416 $ 52,000
Coconino, Arizona 12 $ 358,000 $ 29,833 $ 76,000
Grand, Colorado 12 $ 2,599,000 $ 216,583 $ 79,000
Wakulla, Florida 12 $ 1,464,000 $ 122,000 $ 87,000
Butts, Georgia 12 $ 1,206,000 $ 100,500 $ 59,000
Henry, Illinois 12 $ 864,000 $ 72,000 $ 40,000
Winnebago, Illinois 12 $ 1,207,000 $ 100,583 $ 42,000
Lenawee, Michigan 12 $ 1,922,000 $ 160,166 $ 81,000
Osceola, Michigan 12 $ 1,154,000 $ 96,166 $ 42,000
Tuscola, Michigan 12 $ 1,528,000 $ 127,333 $ 53,000
DeSoto, Mississippi 12 $ 1,548,000 $ 129,000 $ 60,000
Cass, Missouri 12 $ 1,227,000 $ 102,250 $ 78,000
Jackson, Missouri 12 $ 1,572,000 $ 131,000 $ 109,000
Cape May, New Jersey 12 $ 4,479,000 $ 373,250 $ 171,000
Currituck, North Carolina 12 $ 2,184,000 $ 182,000 $ 70,000
Clackamas, Oregon 12 $ 1,970,000 $ 164,166 $ 103,000
Franklin, Pennsylvania 12 $ 1,568,000 $ 130,666 $ 66,000
Wilson, Tennessee 12 $ 1,780,000 $ 148,333 $ 62,000
Henderson, Texas 12 $ 670,000 $ 55,833 $ 137,000
Liberty, Texas 12 $ 717,000 $ 59,750 $ 59,000
Randall, Texas 12 $ 1,061,000 $ 88,416 $ 68,000
Chittenden, Vermont 12 $ 2,383,000 $ 198,583 $ 91,000
Calhoun, Alabama 11 $ 1,305,000 $ 118,636 $ 57,000
Lawrence, Alabama 11 $ 1,211,000 $ 110,090 $ 51,000
Tehama, California 11 $ 1,570,000 $ 142,727 $ 67,000
Jasper, Georgia 11 $ 1,279,000 $ 116,272 $ 50,000
Hancock, Indiana 11 $ 1,379,000 $ 125,363 $ 68,000
Whitley, Indiana 11 $ 1,187,000 $ 107,909 $ 38,000
Anderson, Kentucky 11 $ 1,187,000 $ 107,909 $ 48,000
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Mortgage Loan Application Detail Totals for Guaranty Residential Lending in 2004

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 35,768 $5,812,924,000 $152,038 $3,000,000 $77,192 $6,500,000
Refinancing 25,312 $4,889,464,000 $164,692 $3,250,000 $71,711 $5,017,000
Home Improvement 1,143 $240,098,000 $163,609 $1,700,000 $74,829 $1,369,000

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 37,785 $6,627,523,000 $161,692 $3,250,000 $79,384 $6,500,000
Not Provided 11,344 $2,014,765,000 $158,431 $2,775,000 $65,745 $3,600,000
Hispanic 5,561 $950,756,000 $144,523 $1,435,000 $71,928 $5,017,000
Black or African American 4,538 $710,804,000 $137,536 $1,764,000 $57,609 $3,000,000
Asian 2,359 $514,531,000 $171,133 $1,500,000 $90,111 $4,600,000
Not applicable 230 $45,046,000 $178,041 $2,796,000 $98,291 $1,080,000
Native Hawaiian or Other Pacific Islander 220 $47,487,000 $188,400 $1,231,000 $76,160 $342,000
American Indian or Alaskan Native 186 $31,574,000 $171,700 $920,000 $75,300 $1,412,000

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) 50,100 $9,400,284,000 $162,442 $3,250,000 $82,826 $6,500,000
FHA-insured (Federal Housing Administration) 9,094 $1,155,951,000 $126,673 $475,000 $40,979 $2,693,000
VA-guaranteed (Veterans Administration) 2,705 $355,763,000 $145,195 $334,000 $45,682 $1,266,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 324 $30,488,000 $91,000 $225,000 $32,642 $77,000

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 37,115 $6,361,196,000 $155,250 $3,000,000 $74,480 $3,255,000
Application Denied By Financial Institution 7,729 $1,424,551,000 $168,750 $2,796,000 $82,576 $6,000,000
Application Withdrawn By Applicant 6,001 $1,032,696,000 $154,360 $2,775,000 $68,900 $3,600,000
Application Approved But Not Accepted 5,732 $1,082,912,000 $161,897 $1,764,000 $100,122 $5,017,000
File Closed For Incompleteness 3,170 $512,157,000 $142,816 $3,250,000 $62,775 $6,500,000
Loan Purchased By The Institution 1,657 $377,760,000 $203,058 $2,490,000 $55,558 $1,441,000
Preapproval Approved but not Accepted 659 $125,908,000 $191,000 $1,435,000 $61,000 $879,000
Preapproval Denied by Financial Institution 160 $25,306,000 $158,000 $1,000,000 $99,000 $390,000

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
Other 4,322 $764,098,000 $175,708 $2,796,000 $92,208 $6,000,000
Credit History 1,349 $218,743,000 $177,642 $1,750,000 $69,785 $960,000
Debt-To-Income Ratio 1,031 $178,295,000 $180,813 $2,275,000 $63,372 $576,000
Collateral 342 $85,355,000 $214,400 $2,000,000 $107,050 $2,239,000
Unverifiable Information 289 $80,408,000 $205,969 $1,750,000 $89,787 $796,000
Credit Application Incomplete 239 $49,891,000 $199,321 $1,500,000 $80,928 $600,000
Employment History 189 $43,232,000 $184,545 $1,475,000 $72,515 $600,000
Insufficient Cash (Downpayment, Closing Cost) 102 $23,402,000 $176,173 $1,016,000 $87,000 $360,000
Mortgage Insurance Denied 26 $6,433,000 $321,875 $910,000 $154,375 $406,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Residential Lending's 2004 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 Residential Lending'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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