Guaranty Residential Lending Mortgage Lending & HMDA Data, 2003

In 2003, Guaranty Residential Lending of Austin, TX reported 99,640 mortgage applications totaling $17.3 billion. The average application was for $173,429, and applicants reported an average income of $25,068. 73% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach, CA (6,261), Riverside-San Bernardino, CA (5,574) and Atlanta, GA (4,361) (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 99,640
Total Mortgage Loan Application Amount $17,280,536,000
Average Mortgage Loan Application Amount $173,429
Highest Mortgage Loan Application Amount $7,500,000
Average Applicant Income $25,068
Highest Applicant Income $4,936,000

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records Guaranty Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

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 6,261 $ 1,505,031,000 $ 240,381 $ 50,000
San Diego, California 2,978 $ 795,969,000 $ 267,283 $ 46,000
Riverside, California 2,975 $ 526,084,000 $ 176,834 $ 38,000
San Bernardino, California 2,599 $ 392,466,000 $ 151,006 $ 38,000
Orange, California 2,588 $ 720,156,000 $ 278,267 $ 58,000
Cook, Illinois 2,025 $ 394,141,000 $ 194,637 $ 32,000
Middlesex, Massachusetts 1,924 $ 474,219,000 $ 246,475 $ 40,000
Travis, Texas 1,672 $ 253,089,000 $ 151,369 $ 49,000
Bexar, Texas 1,371 $ 141,125,000 $ 102,935 $ 36,000
Hennepin, Minnesota 1,133 $ 199,068,000 $ 175,699 $ 29,000
Oakland, Michigan 1,128 $ 200,200,000 $ 177,482 $ 34,000
Livingston, Michigan 1,032 $ 180,794,000 $ 175,187 $ 32,000
San Joaquin, California 941 $ 160,211,000 $ 170,256 $ 39,000
Wayne, Michigan 920 $ 127,016,000 $ 138,060 $ 26,000
Hartford, Connecticut 903 $ 133,989,000 $ 148,382 $ 35,000
Prince George's, Maryland 850 $ 136,222,000 $ 160,261 $ 33,000
New Haven, Connecticut 813 $ 133,149,000 $ 163,774 $ 30,000
Cobb, Georgia 805 $ 129,152,000 $ 160,437 $ 34,000
Fairfield, Connecticut 804 $ 194,720,000 $ 242,189 $ 38,000
Montgomery, Maryland 799 $ 167,452,000 $ 209,576 $ 40,000
Contra Costa, California 796 $ 216,704,000 $ 272,241 $ 42,000
Suffolk, Massachusetts 788 $ 191,349,000 $ 242,828 $ 50,000
Norfolk, Massachusetts 744 $ 191,032,000 $ 256,763 $ 43,000
Sonoma, California 738 $ 186,819,000 $ 253,142 $ 41,000
Bell, Texas 718 $ 68,156,000 $ 94,924 $ 26,000
Fulton, Georgia 700 $ 139,057,000 $ 198,652 $ 38,000
DuPage, Illinois 698 $ 137,394,000 $ 196,839 $ 32,000
Tarrant, Texas 693 $ 77,215,000 $ 111,421 $ 40,000
Macomb, Michigan 688 $ 95,843,000 $ 139,306 $ 33,000
Essex, Massachusetts 626 $ 144,703,000 $ 231,154 $ 40,000
Harris, Texas 623 $ 65,649,000 $ 105,375 $ 45,000
Brown, Wisconsin 623 $ 73,917,000 $ 118,646 $ 20,000
Gwinnett, Georgia 617 $ 95,140,000 $ 154,197 $ 24,000
Madison, Alabama 613 $ 64,131,000 $ 104,618 $ 27,000
Chatham, Georgia 593 $ 73,828,000 $ 124,499 $ 41,000
Maricopa, Arizona 590 $ 92,446,000 $ 156,688 $ 28,000
Sacramento, California 577 $ 99,223,000 $ 171,963 $ 25,000
Suffolk, New York 571 $ 123,810,000 $ 216,830 $ 47,000
Williamson, Texas 551 $ 67,629,000 $ 122,738 $ 33,000
Santa Clara, California 548 $ 191,785,000 $ 349,972 $ 48,000
Ventura, California 541 $ 152,885,000 $ 282,597 $ 64,000
Lake, Indiana 537 $ 61,044,000 $ 113,675 $ 28,000
Fayette, Georgia 536 $ 99,743,000 $ 186,087 $ 51,000
Marion, Indiana 532 $ 59,591,000 $ 112,013 $ 23,000
Merced, California 524 $ 69,240,000 $ 132,137 $ 31,000
Providence, Rhode Island 524 $ 79,644,000 $ 151,992 $ 32,000
Orange, Florida 515 $ 82,875,000 $ 160,922 $ 38,000
Fairfax, Virginia 509 $ 112,891,000 $ 221,789 $ 49,000
Alameda, California 502 $ 144,078,000 $ 287,007 $ 39,000
Pueblo, Colorado 498 $ 53,249,000 $ 106,925 $ 24,000
Baltimore, Maryland 487 $ 73,912,000 $ 151,770 $ 29,000
DeKalb, Georgia 466 $ 79,503,000 $ 170,607 $ 36,000
Bristol, Massachusetts 461 $ 82,343,000 $ 178,618 $ 32,000
Ramsey, Minnesota 460 $ 69,572,000 $ 151,243 $ 20,000
Washoe, Nevada 455 $ 79,948,000 $ 175,709 $ 36,000
Berrien, Michigan 448 $ 58,445,000 $ 130,457 $ 38,000
Dallas, Texas 444 $ 49,523,000 $ 111,538 $ 43,000
Stanislaus, California 435 $ 70,325,000 $ 161,666 $ 28,000
Hillsborough, New Hampshire 434 $ 70,202,000 $ 161,755 $ 37,000
Oklahoma, Oklahoma 424 $ 40,543,000 $ 95,620 $ 47,000
Plymouth, Massachusetts 422 $ 89,032,000 $ 210,976 $ 37,000
Allen, Indiana 413 $ 42,624,000 $ 103,205 $ 22,000
Lake, Illinois 411 $ 90,301,000 $ 219,710 $ 26,000
Genesee, Michigan 396 $ 43,116,000 $ 108,878 $ 21,000
Will, Illinois 385 $ 67,752,000 $ 175,979 $ 25,000
Queens, New York 361 $ 97,680,000 $ 270,581 $ 43,000
Collin, Texas 360 $ 37,089,000 $ 103,025 $ 43,000
Miami-Dade, Florida 359 $ 54,041,000 $ 150,532 $ 32,000
Summit, Ohio 359 $ 39,405,000 $ 109,763 $ 30,000
Larimer, Colorado 357 $ 59,646,000 $ 167,075 $ 18,000
Broward, Florida 357 $ 51,249,000 $ 143,554 $ 27,000
Jefferson, Colorado 337 $ 56,372,000 $ 167,275 $ 26,000
Clark, Nevada 336 $ 60,305,000 $ 179,479 $ 73,000
Dakota, Minnesota 331 $ 56,563,000 $ 170,885 $ 29,000
Chesterfield, Virginia 331 $ 50,416,000 $ 152,314 $ 31,000
Washtenaw, Michigan 326 $ 61,380,000 $ 188,282 $ 38,000
Wake, North Carolina 322 $ 49,246,000 $ 152,937 $ 32,000
Middlesex, Connecticut 320 $ 48,256,000 $ 150,800 $ 36,000
Garland, Arkansas 315 $ 32,277,000 $ 102,466 $ 33,000
Anne Arundel, Maryland 310 $ 52,319,000 $ 168,770 $ 30,000
Anoka, Minnesota 305 $ 47,292,000 $ 155,055 $ 31,000
Fresno, California 304 $ 40,874,000 $ 134,453 $ 35,000
Liberty, Georgia 295 $ 25,978,000 $ 88,061 $ 32,000
Howard, Maryland 284 $ 50,807,000 $ 178,897 $ 29,000
Weld, Colorado 283 $ 42,313,000 $ 149,515 $ 26,000
Adams, Colorado 278 $ 44,778,000 $ 161,071 $ 24,000
Worcester, Massachusetts 270 $ 54,116,000 $ 200,429 $ 28,000
El Paso, Colorado 268 $ 42,490,000 $ 158,544 $ 26,000
Delaware, Indiana 266 $ 21,197,000 $ 79,687 $ 22,000
Arapahoe, Colorado 261 $ 45,766,000 $ 175,348 $ 23,000
Denver, Colorado 257 $ 42,165,000 $ 164,066 $ 23,000
District of Columbia, District Of Columbia 257 $ 51,063,000 $ 198,688 $ 47,000
Denton, Texas 257 $ 30,988,000 $ 120,575 $ 63,000
Coweta, Georgia 256 $ 35,668,000 $ 139,328 $ 26,000
Boulder, Colorado 250 $ 48,529,000 $ 194,116 $ 34,000
Barnstable, Massachusetts 249 $ 55,702,000 $ 223,702 $ 59,000
Henrico, Virginia 249 $ 37,218,000 $ 149,469 $ 38,000
Seminole, Florida 247 $ 39,061,000 $ 158,141 $ 40,000
Rock Island, Illinois 247 $ 20,406,000 $ 82,615 $ 14,000
Saginaw, Michigan 244 $ 26,467,000 $ 108,471 $ 21,000
Baxter, Arkansas 236 $ 26,166,000 $ 110,872 $ 23,000
New London, Connecticut 233 $ 36,342,000 $ 155,974 $ 37,000
Cleveland, Oklahoma 227 $ 23,288,000 $ 102,590 $ 26,000
Harford, Maryland 224 $ 33,352,000 $ 148,892 $ 31,000
Orange, New York 221 $ 34,289,000 $ 155,153 $ 44,000
Lackawanna, Pennsylvania 214 $ 21,097,000 $ 98,584 $ 52,000
Calaveras, California 209 $ 34,866,000 $ 166,822 $ 30,000
Tulare, California 209 $ 25,430,000 $ 121,674 $ 27,000
Yuma, Arizona 207 $ 21,640,000 $ 104,541 $ 27,000
St. Clair, Illinois 207 $ 21,664,000 $ 104,657 $ 23,000
St. Tammany, Louisiana 204 $ 22,998,000 $ 112,735 $ 26,000
Kent, Michigan 203 $ 26,884,000 $ 132,433 $ 22,000
San Mateo, California 201 $ 76,717,000 $ 381,676 $ 44,000
Kane, Illinois 198 $ 36,337,000 $ 183,520 $ 19,000
Litchfield, Connecticut 192 $ 33,762,000 $ 175,843 $ 28,000
Madison, Indiana 191 $ 16,480,000 $ 86,282 $ 29,000
King, Washington 191 $ 38,065,000 $ 199,293 $ 35,000
Henry, Georgia 187 $ 23,700,000 $ 126,737 $ 29,000
Grand Traverse, Michigan 187 $ 22,191,000 $ 118,668 $ 22,000
Kings, New York 187 $ 56,237,000 $ 300,732 $ 44,000
Baltimore City, Maryland 186 $ 22,366,000 $ 120,247 $ 32,000
Palm Beach, Florida 185 $ 33,479,000 $ 180,967 $ 42,000
Salt Lake, Utah 185 $ 25,667,000 $ 138,740 $ 23,000
Washington, Minnesota 181 $ 33,160,000 $ 183,204 $ 30,000
Westchester, New York 177 $ 55,638,000 $ 314,338 $ 58,000
Solano, California 176 $ 38,701,000 $ 219,892 $ 20,000
Kent, Rhode Island 176 $ 27,610,000 $ 156,875 $ 32,000
Nassau, New York 173 $ 43,996,000 $ 254,312 $ 37,000
Portage, Ohio 173 $ 19,450,000 $ 112,427 $ 19,000
Butte, California 172 $ 26,895,000 $ 156,366 $ 35,000
Hall, Georgia 172 $ 25,705,000 $ 149,447 $ 42,000
Olmsted, Minnesota 172 $ 22,870,000 $ 132,965 $ 17,000
Brevard, Florida 168 $ 22,135,000 $ 131,755 $ 32,000
Porter, Indiana 168 $ 21,793,000 $ 129,720 $ 25,000
Cherokee, Georgia 167 $ 27,943,000 $ 167,323 $ 36,000
Bulloch, Georgia 166 $ 16,195,000 $ 97,560 $ 39,000
Greene, Missouri 166 $ 15,256,000 $ 91,903 $ 23,000
Polk, Florida 165 $ 19,490,000 $ 118,121 $ 33,000
Chester, Pennsylvania 165 $ 29,823,000 $ 180,745 $ 38,000
Rockingham, New Hampshire 164 $ 32,703,000 $ 199,408 $ 44,000
McHenry, Illinois 153 $ 28,151,000 $ 183,993 $ 21,000
Coryell, Texas 150 $ 12,872,000 $ 85,813 $ 29,000
Rockbridge, Virginia 149 $ 19,441,000 $ 130,476 $ 29,000
Utah, Utah 148 $ 22,433,000 $ 151,574 $ 38,000
Kern, California 146 $ 18,676,000 $ 127,917 $ 23,000
Hays, Texas 146 $ 18,057,000 $ 123,678 $ 31,000
Fort Bend, Texas 143 $ 17,715,000 $ 123,881 $ 36,000
Loudoun, Virginia 140 $ 30,010,000 $ 214,357 $ 32,000
Volusia, Florida 138 $ 18,089,000 $ 131,079 $ 38,000
Prince William, Virginia 137 $ 24,790,000 $ 180,948 $ 41,000
Charles, Maryland 136 $ 22,904,000 $ 168,411 $ 35,000
East Baton Rouge, Louisiana 130 $ 14,258,000 $ 109,676 $ 31,000
San Francisco, California 128 $ 47,657,000 $ 372,320 $ 49,000
Tolland, Connecticut 128 $ 18,413,000 $ 143,851 $ 36,000
Forsyth, Georgia 126 $ 26,670,000 $ 211,666 $ 22,000
Merrimack, New Hampshire 126 $ 19,026,000 $ 151,000 $ 44,000
Matanuska-Susitna, Alaska 125 $ 20,838,000 $ 166,704 $ 49,000
Montgomery, Pennsylvania 125 $ 22,941,000 $ 183,528 $ 67,000
Morgan, Alabama 123 $ 12,816,000 $ 104,195 $ 19,000
Douglas, Colorado 123 $ 25,062,000 $ 203,756 $ 33,000
Kalamazoo, Michigan 121 $ 15,399,000 $ 127,264 $ 26,000
St. Clair, Michigan 120 $ 15,235,000 $ 126,958 $ 29,000
Franklin, Ohio 120 $ 16,483,000 $ 137,358 $ 28,000
Ingham, Michigan 119 $ 16,943,000 $ 142,378 $ 26,000
Hanover, Virginia 119 $ 19,099,000 $ 160,495 $ 28,000
Jefferson, Kentucky 116 $ 16,651,000 $ 143,543 $ 33,000
Hamilton, Indiana 113 $ 18,281,000 $ 161,778 $ 23,000
Roanoke City, Virginia 109 $ 9,019,000 $ 82,743 $ 20,000
Whitfield, Georgia 108 $ 13,406,000 $ 124,129 $ 26,000
Wright, Minnesota 108 $ 18,066,000 $ 167,277 $ 30,000
Lee, Florida 107 $ 17,352,000 $ 162,168 $ 48,000
Hendricks, Indiana 106 $ 13,876,000 $ 130,905 $ 24,000
Jefferson, Louisiana 105 $ 11,765,000 $ 112,047 $ 20,000
Scott, Minnesota 105 $ 20,949,000 $ 199,514 $ 32,000
Stark, Ohio 102 $ 11,748,000 $ 115,176 $ 39,000
Leon, Florida 101 $ 10,240,000 $ 101,386 $ 29,000
Orleans, Louisiana 101 $ 13,686,000 $ 135,504 $ 45,000
Placer, California 99 $ 23,592,000 $ 238,303 $ 42,000
Luzerne, Pennsylvania 99 $ 9,584,000 $ 96,808 $ 32,000
Osceola, Florida 98 $ 13,675,000 $ 139,540 $ 37,000
Columbia, Georgia 98 $ 13,851,000 $ 141,336 $ 22,000
Johnson, Indiana 97 $ 12,159,000 $ 125,350 $ 26,000
Bucks, Pennsylvania 96 $ 18,618,000 $ 193,937 $ 33,000
Paulding, Georgia 95 $ 12,825,000 $ 135,000 $ 36,000
Washington, Oregon 94 $ 15,429,000 $ 164,138 $ 42,000
Comal, Texas 93 $ 14,127,000 $ 151,903 $ 54,000
Windham, Connecticut 91 $ 12,849,000 $ 141,197 $ 42,000
Morgan, Colorado 89 $ 8,734,000 $ 98,134 $ 23,000
New Castle, Delaware 89 $ 14,749,000 $ 165,719 $ 20,000
Hampden, Massachusetts 89 $ 11,996,000 $ 134,786 $ 46,000
Multnomah, Oregon 89 $ 15,867,000 $ 178,280 $ 30,000
Madison, Illinois 88 $ 10,041,000 $ 114,102 $ 27,000
Johnson, Kansas 87 $ 15,708,000 $ 180,551 $ 52,000
Rockland, New York 87 $ 19,462,000 $ 223,701 $ 46,000
Frederick, Maryland 86 $ 14,972,000 $ 174,093 $ 24,000
Tulsa, Oklahoma 86 $ 11,450,000 $ 133,139 $ 27,000
Montgomery, Texas 86 $ 9,794,000 $ 113,883 $ 42,000
Charlotte, Florida 85 $ 11,272,000 $ 132,611 $ 30,000
Hillsborough, Florida 83 $ 13,497,000 $ 162,614 $ 57,000
Clayton, Georgia 81 $ 9,428,000 $ 116,395 $ 28,000
Mecklenburg, North Carolina 81 $ 12,123,000 $ 149,666 $ 106,000
Carroll, Maryland 80 $ 14,357,000 $ 179,462 $ 39,000
Galveston, Texas 79 $ 8,083,000 $ 102,316 $ 57,000
Bergen, New Jersey 77 $ 20,470,000 $ 265,844 $ 51,000
Douglas, Georgia 76 $ 11,516,000 $ 151,526 $ 38,000
Durham, North Carolina 76 $ 10,602,000 $ 139,500 $ 25,000
Shelby, Tennessee 76 $ 9,879,000 $ 129,986 $ 18,000
Snohomish, Washington 76 $ 14,073,000 $ 185,171 $ 7,000
Pasquotank, North Carolina 75 $ 9,232,000 $ 123,093 $ 36,000
Jackson, Oregon 75 $ 11,109,000 $ 148,120 $ 29,000
Arlington, Virginia 75 $ 17,454,000 $ 232,720 $ 51,000
Calvert, Maryland 74 $ 12,277,000 $ 165,905 $ 35,000
Middlesex, New Jersey 74 $ 14,950,000 $ 202,027 $ 33,000
Buena Vista, Virginia 74 $ 6,458,000 $ 87,270 $ 23,000
Pierce, Washington 74 $ 10,903,000 $ 147,337 $ 19,000
Houston, Alabama 73 $ 8,344,000 $ 114,301 $ 19,000
Clackamas, Oregon 73 $ 14,296,000 $ 195,835 $ 24,000
Lake, California 72 $ 10,215,000 $ 141,875 $ 30,000
Virginia Beach, Virginia 72 $ 9,293,000 $ 129,069 $ 15,000
Marin, California 71 $ 29,589,000 $ 416,746 $ 65,000
Vermilion, Louisiana 71 $ 5,842,000 $ 82,281 $ 23,000
Gallatin, Montana 71 $ 9,489,000 $ 133,647 $ 33,000
Shelby, Kentucky 69 $ 9,212,000 $ 133,507 $ 19,000
Lafayette, Louisiana 68 $ 7,119,000 $ 104,691 $ 34,000
Ottawa, Michigan 68 $ 8,472,000 $ 124,588 $ 24,000
Richmond City, Virginia 68 $ 10,094,000 $ 148,441 $ 35,000
Amador, California 67 $ 10,932,000 $ 163,164 $ 22,000
Cuyahoga, Ohio 67 $ 8,728,000 $ 130,268 $ 28,000
Delaware, Pennsylvania 67 $ 13,270,000 $ 198,059 $ 53,000
Franklin, Pennsylvania 67 $ 7,801,000 $ 116,432 $ 39,000
Nueces, Texas 67 $ 6,944,000 $ 103,641 $ 31,000
Madera, California 66 $ 7,812,000 $ 118,363 $ 24,000
Pinellas, Florida 66 $ 9,911,000 $ 150,166 $ 49,000
Roanoke, Virginia 66 $ 7,329,000 $ 111,045 $ 22,000
Clark, Washington 66 $ 9,597,000 $ 145,409 $ 32,000
Santa Cruz, California 65 $ 21,817,000 $ 335,646 $ 30,000
Monmouth, New Jersey 65 $ 15,572,000 $ 239,569 $ 65,000
Wayne, Pennsylvania 65 $ 6,579,000 $ 101,215 $ 45,000
Guadalupe, Texas 65 $ 7,392,000 $ 113,723 $ 38,000
Lapeer, Michigan 64 $ 9,257,000 $ 144,640 $ 15,000
Montgomery, Ohio 64 $ 8,359,000 $ 130,609 $ 25,000
Kalkaska, Michigan 63 $ 5,865,000 $ 93,095 $ 25,000
Richmond, New York 63 $ 14,893,000 $ 236,396 $ 36,000
Bronx, New York 62 $ 14,707,000 $ 237,209 $ 36,000
Santa Barbara, California 61 $ 16,927,000 $ 277,491 $ 23,000
Bastrop, Texas 61 $ 6,469,000 $ 106,049 $ 23,000
Stafford, Virginia 61 $ 10,625,000 $ 174,180 $ 20,000
El Dorado, California 60 $ 12,124,000 $ 202,066 $ 22,000
Christian, Missouri 60 $ 6,654,000 $ 110,900 $ 22,000
Jackson, Missouri 60 $ 8,195,000 $ 136,583 $ 32,000
Pima, Arizona 59 $ 7,237,000 $ 122,661 $ 23,000
Washington, Rhode Island 59 $ 10,821,000 $ 183,406 $ 44,000
Napa, California 58 $ 16,262,000 $ 280,379 $ 27,000
Tuolumne, California 58 $ 9,214,000 $ 158,862 $ 15,000
Hinds, Mississippi 58 $ 4,991,000 $ 86,051 $ 27,000
Sherburne, Minnesota 56 $ 8,944,000 $ 159,714 $ 15,000
Strafford, New Hampshire 56 $ 8,191,000 $ 146,267 $ 30,000
Jefferson, Texas 56 $ 4,800,000 $ 85,714 $ 23,000
McLennan, Texas 55 $ 5,689,000 $ 103,436 $ 27,000
Lake, Florida 54 $ 7,061,000 $ 130,759 $ 37,000
Scott, Iowa 54 $ 5,091,000 $ 94,277 $ 14,000
Davis, Utah 54 $ 7,418,000 $ 137,370 $ 31,000
Van Buren, Michigan 53 $ 5,896,000 $ 111,245 $ 20,000
Johnston, North Carolina 53 $ 5,745,000 $ 108,396 $ 12,000
Carbon, Pennsylvania 53 $ 5,832,000 $ 110,037 $ 52,000
Jefferson, Alabama 51 $ 7,052,000 $ 138,274 $ 27,000
Carver, Minnesota 51 $ 9,874,000 $ 193,607 $ 31,000
St. Louis, Missouri 51 $ 6,578,000 $ 128,980 $ 27,000
Kings, California 50 $ 5,447,000 $ 108,940 $ 24,000
Carroll, Georgia 50 $ 6,428,000 $ 128,560 $ 27,000
Terrebonne, Louisiana 50 $ 4,565,000 $ 91,300 $ 22,000
Manistee, Michigan 50 $ 4,441,000 $ 88,820 $ 27,000
Dutchess, New York 50 $ 8,109,000 $ 162,180 $ 25,000
York, Pennsylvania 50 $ 5,772,000 $ 115,440 $ 29,000
Johnson, Texas 50 $ 4,764,000 $ 95,280 $ 26,000
Lampasas, Texas 49 $ 4,832,000 $ 98,612 $ 23,000
Baldwin, Alabama 48 $ 7,203,000 $ 150,062 $ 32,000
Plumas, California 48 $ 7,527,000 $ 156,812 $ 36,000
Sarasota, Florida 48 $ 6,995,000 $ 145,729 $ 35,000
Honolulu, Hawaii 48 $ 9,584,000 $ 199,666 $ 8,000
Shiawassee, Michigan 48 $ 5,622,000 $ 117,125 $ 18,000
Grady, Oklahoma 48 $ 4,857,000 $ 101,187 $ 21,000
Spalding, Georgia 47 $ 5,273,000 $ 112,191 $ 27,000
Limestone, Alabama 46 $ 4,934,000 $ 107,260 $ 32,000
Bedford, Virginia 46 $ 6,326,000 $ 137,521 $ 32,000
Talbot, Maryland 45 $ 7,026,000 $ 156,133 $ 64,000
Muskegon, Michigan 45 $ 4,893,000 $ 108,733 $ 28,000
Bryan, Georgia 44 $ 6,480,000 $ 147,272 $ 59,000
Richmond, Georgia 44 $ 4,633,000 $ 105,295 $ 26,000
Gillespie, Texas 44 $ 4,814,000 $ 109,409 $ 25,000
Sutter, California 43 $ 6,389,000 $ 148,581 $ 11,000
Worcester, Maryland 43 $ 7,190,000 $ 167,209 $ 80,000
Crow Wing, Minnesota 43 $ 6,754,000 $ 157,069 $ 34,000
Alexandria, Virginia 43 $ 8,128,000 $ 189,023 $ 16,000
Lexington, Virginia 43 $ 5,712,000 $ 132,837 $ 31,000
Henry, Illinois 42 $ 3,670,000 $ 87,380 $ 11,000
Essex, New Jersey 42 $ 8,172,000 $ 194,571 $ 49,000
Philadelphia, Pennsylvania 42 $ 5,270,000 $ 125,476 $ 15,000
Wilson, Texas 42 $ 4,688,000 $ 111,619 $ 48,000
Jackson, Georgia 41 $ 5,637,000 $ 137,487 $ 38,000
Avoyelles, Louisiana 41 $ 3,317,000 $ 80,902 $ 16,000
Ocean, New Jersey 41 $ 7,531,000 $ 183,682 $ 34,000
Monroe, Pennsylvania 41 $ 5,217,000 $ 127,243 $ 47,000
El Paso, Texas 41 $ 3,467,000 $ 84,560 $ 31,000
Duval, Florida 40 $ 5,695,000 $ 142,375 $ 34,000
Newton, Georgia 40 $ 4,132,000 $ 103,300 $ 24,000
Canadian, Oklahoma 40 $ 4,381,000 $ 109,525 $ 19,000
Oconto, Wisconsin 40 $ 4,805,000 $ 120,125 $ 27,000
San Luis Obispo, California 39 $ 8,962,000 $ 229,794 $ 24,000
Ascension, Louisiana 39 $ 5,441,000 $ 139,512 $ 19,000
Iberia, Louisiana 39 $ 3,439,000 $ 88,179 $ 28,000
Antrim, Michigan 39 $ 4,210,000 $ 107,948 $ 19,000
Tuscola, Michigan 39 $ 3,830,000 $ 98,205 $ 15,000
Brazos, Texas 39 $ 4,019,000 $ 103,051 $ 58,000
Newport, Rhode Island 38 $ 8,262,000 $ 217,421 $ 36,000
Campbell, Virginia 38 $ 3,497,000 $ 92,026 $ 7,000
Outagamie, Wisconsin 38 $ 4,332,000 $ 114,000 $ 28,000
Marion, Florida 37 $ 3,508,000 $ 94,810 $ 24,000
Oldham, Kentucky 37 $ 6,307,000 $ 170,459 $ 20,000
Allegan, Michigan 37 $ 4,875,000 $ 131,756 $ 21,000
Ellis, Texas 37 $ 3,180,000 $ 85,945 $ 243,000
St. Croix, Wisconsin 37 $ 6,291,000 $ 170,027 $ 36,000
Shelby, Alabama 36 $ 6,237,000 $ 173,250 $ 29,000
Monterey, California 36 $ 10,732,000 $ 298,111 $ 45,000
Wakulla, Florida 36 $ 4,659,000 $ 129,416 $ 27,000
Stearns, Minnesota 36 $ 3,929,000 $ 109,138 $ 10,000
New York, New York 36 $ 13,612,000 $ 378,111 $ 46,000
Kaufman, Texas 36 $ 3,665,000 $ 101,805 $ 43,000
Rockwall, Texas 36 $ 4,588,000 $ 127,444 $ 23,000
Marion, Arkansas 35 $ 3,345,000 $ 95,571 $ 15,000
Yolo, California 35 $ 7,079,000 $ 202,257 $ 16,000
Effingham, Georgia 35 $ 3,988,000 $ 113,942 $ 45,000
Chisago, Minnesota 35 $ 5,572,000 $ 159,200 $ 29,000
Cass, Missouri 35 $ 4,361,000 $ 124,600 $ 28,000
Brazoria, Texas 35 $ 3,470,000 $ 99,142 $ 38,000
Kendall, Illinois 34 $ 6,371,000 $ 187,382 $ 0
Calcasieu, Louisiana 34 $ 2,729,000 $ 80,264 $ 17,000
Spotsylvania, Virginia 34 $ 5,031,000 $ 147,970 $ 29,000
Hot Spring, Arkansas 33 $ 3,377,000 $ 102,333 $ 29,000
Boone, Indiana 33 $ 4,485,000 $ 135,909 $ 31,000
Hancock, Indiana 33 $ 4,732,000 $ 143,393 $ 37,000
Benzie, Michigan 33 $ 4,050,000 $ 122,727 $ 24,000
Monroe, Michigan 33 $ 4,590,000 $ 139,090 $ 34,000
Isanti, Minnesota 33 $ 4,620,000 $ 140,000 $ 17,000
Santa Fe, New Mexico 33 $ 10,786,000 $ 326,848 $ 66,000
Ashland, Ohio 33 $ 3,151,000 $ 95,484 $ 20,000
Albemarle, Virginia 33 $ 5,061,000 $ 153,363 $ 37,000
Shasta, California 32 $ 4,480,000 $ 140,000 $ 21,000
Barrow, Georgia 32 $ 4,026,000 $ 125,812 $ 19,000
Kauai, Hawaii 32 $ 8,498,000 $ 265,562 $ 42,000
St. Mary's, Maryland 32 $ 4,967,000 $ 155,218 $ 26,000
Le Sueur, Minnesota 32 $ 4,492,000 $ 140,375 $ 17,000
DeSoto, Mississippi 32 $ 3,843,000 $ 120,093 $ 33,000
Delaware, Ohio 32 $ 7,348,000 $ 229,625 $ 52,000
Yavapai, Arizona 31 $ 4,565,000 $ 147,258 $ 24,000
Morgan, Indiana 31 $ 4,097,000 $ 132,161 $ 20,000
Jackson, Michigan 31 $ 3,826,000 $ 123,419 $ 34,000
Lucas, Ohio 31 $ 5,193,000 $ 167,516 $ 25,000
Greenville, South Carolina 31 $ 5,402,000 $ 174,258 $ 27,000
Chesapeake, Virginia 31 $ 4,191,000 $ 135,193 $ 21,000
Blackford, Indiana 30 $ 1,720,000 $ 57,333 $ 23,000
Whitley, Indiana 30 $ 3,082,000 $ 102,733 $ 30,000
St. Landry, Louisiana 30 $ 2,521,000 $ 84,033 $ 37,000
Leelanau, Michigan 30 $ 4,267,000 $ 142,233 $ 45,000
Goodhue, Minnesota 30 $ 3,884,000 $ 129,466 $ 20,000
St. Louis, Minnesota 30 $ 4,033,000 $ 134,433 $ 34,000
Kewaunee, Wisconsin 30 $ 3,527,000 $ 117,566 $ 22,000
Santa Rosa, Florida 29 $ 4,527,000 $ 156,103 $ 33,000
St. Lucie, Florida 29 $ 3,737,000 $ 128,862 $ 26,000
Livingston, Louisiana 29 $ 2,646,000 $ 91,241 $ 15,000
Crawford, Michigan 29 $ 2,303,000 $ 79,413 $ 23,000
Jasper, Missouri 29 $ 2,225,000 $ 76,724 $ 18,000
Hidalgo, Texas 29 $ 3,141,000 $ 108,310 $ 24,000
Webb, Texas 29 $ 3,654,000 $ 126,000 $ 58,000
Barry, Michigan 28 $ 3,770,000 $ 134,642 $ 8,000
Clinton, Michigan 28 $ 5,117,000 $ 182,750 $ 43,000
Grafton, New Hampshire 28 $ 4,461,000 $ 159,321 $ 42,000
Hudson, New Jersey 28 $ 5,933,000 $ 211,892 $ 38,000
Sullivan, New York 28 $ 2,931,000 $ 104,678 $ 22,000
Lynchburg, Virginia 28 $ 3,199,000 $ 114,250 $ 35,000
Craighead, Arkansas 27 $ 3,680,000 $ 136,296 $ 21,000
Rockdale, Georgia 27 $ 3,795,000 $ 140,555 $ 10,000
Robeson, North Carolina 27 $ 2,639,000 $ 97,740 $ 17,000
Parker, Texas 27 $ 2,702,000 $ 100,074 $ 38,000
Collier, Florida 26 $ 4,725,000 $ 181,730 $ 43,000
Manatee, Florida 26 $ 5,116,000 $ 196,769 $ 45,000
Pasco, Florida 26 $ 3,254,000 $ 125,153 $ 31,000
Murray, Georgia 26 $ 2,827,000 $ 108,730 $ 20,000
Putnam, Indiana 26 $ 3,028,000 $ 116,461 $ 18,000
Cumberland, Maine 26 $ 3,971,000 $ 152,730 $ 16,000
Lyon, Nevada 26 $ 3,569,000 $ 137,269 $ 46,000
Camden, North Carolina 26 $ 3,789,000 $ 145,730 $ 28,000
Franklin, North Carolina 26 $ 3,133,000 $ 120,500 $ 27,000
Franklin, Virginia 26 $ 3,163,000 $ 121,653 $ 15,000
DeKalb, Indiana 25 $ 2,053,000 $ 82,120 $ 14,000
Spencer, Kentucky 25 $ 3,193,000 $ 127,720 $ 18,000
St. Bernard, Louisiana 25 $ 2,643,000 $ 105,720 $ 17,000
Otsego, Michigan 25 $ 2,540,000 $ 101,600 $ 27,000
Somerset, New Jersey 25 $ 5,570,000 $ 222,800 $ 10,000
Northampton, Pennsylvania 25 $ 3,561,000 $ 142,440 $ 36,000
Medina, Texas 25 $ 2,606,000 $ 104,240 $ 58,000
Weber, Utah 25 $ 2,680,000 $ 107,200 $ 15,000
Pulaski, Arkansas 24 $ 3,098,000 $ 129,083 $ 38,000
Escambia, Florida 24 $ 2,874,000 $ 119,750 $ 40,000
Walton, Georgia 24 $ 3,721,000 $ 155,041 $ 19,000
Jasper, Indiana 24 $ 2,948,000 $ 122,833 $ 21,000
Cecil, Maryland 24 $ 3,709,000 $ 154,541 $ 35,000
Rice, Minnesota 24 $ 3,946,000 $ 164,416 $ 8,000
Davidson, Tennessee 24 $ 4,138,000 $ 172,416 $ 28,000
Randall, Texas 24 $ 2,713,000 $ 113,041 $ 38,000
Wise, Texas 24 $ 2,457,000 $ 102,375 $ 15,000
Botetourt, Virginia 24 $ 3,275,000 $ 136,458 $ 42,000
Salem, Virginia 24 $ 2,636,000 $ 109,833 $ 31,000
Summit, Colorado 23 $ 5,313,000 $ 231,000 $ 40,000
Randolph, Indiana 23 $ 1,798,000 $ 78,173 $ 16,000
Queen Anne's, Maryland 23 $ 4,024,000 $ 174,956 $ 44,000
Belknap, New Hampshire 23 $ 3,535,000 $ 153,695 $ 24,000
Charleston, South Carolina 23 $ 4,273,000 $ 185,782 $ 25,000
Atascosa, Texas 23 $ 2,573,000 $ 111,869 $ 49,000
Kerr, Texas 23 $ 2,240,000 $ 97,391 $ 23,000
Glenn, California 22 $ 2,698,000 $ 122,636 $ 10,000
St. Charles, Louisiana 22 $ 2,701,000 $ 122,772 $ 23,000
Morris, New Jersey 22 $ 4,854,000 $ 220,636 $ 27,000
Butler, Ohio 22 $ 2,924,000 $ 132,909 $ 37,000
Hamilton, Ohio 22 $ 4,265,000 $ 193,863 $ 31,000
Kendall, Texas 22 $ 3,022,000 $ 137,363 $ 51,000
Milam, Texas 22 $ 2,210,000 $ 100,454 $ 26,000
Mendocino, California 21 $ 4,537,000 $ 216,047 $ 47,000
Rapides, Louisiana 21 $ 1,985,000 $ 94,523 $ 9,000
Wexford, Michigan 21 $ 2,192,000 $ 104,380 $ 32,000
Guilford, North Carolina 21 $ 2,708,000 $ 128,952 $ 24,000
Iredell, North Carolina 21 $ 2,878,000 $ 137,047 $ 21,000
Greene, Ohio 21 $ 2,644,000 $ 125,904 $ 28,000
Hardin, Texas 21 $ 1,864,000 $ 88,761 $ 23,000
Spokane, Washington 21 $ 2,764,000 $ 131,619 $ 17,000
Tehama, California 20 $ 2,157,000 $ 107,850 $ 28,000
Maui, Hawaii 20 $ 8,600,000 $ 430,000 $ 89,000
Hampshire, Massachusetts 20 $ 2,979,000 $ 148,950 $ 18,000
St. Charles, Missouri 20 $ 3,083,000 $ 154,150 $ 42,000
Passaic, New Jersey 20 $ 3,590,000 $ 179,500 $ 22,000
Fairfield, Ohio 20 $ 3,309,000 $ 165,450 $ 38,000
Logan, Oklahoma 20 $ 2,218,000 $ 110,900 $ 30,000
McClain, Oklahoma 20 $ 2,092,000 $ 104,600 $ 17,000
Cameron, Texas 20 $ 1,983,000 $ 99,150 $ 28,000
San Patricio, Texas 20 $ 1,847,000 $ 92,350 $ 37,000
Pinal, Arizona 19 $ 2,458,000 $ 129,368 $ 14,000
Nevada, California 19 $ 4,682,000 $ 246,421 $ 27,000
Sussex, Delaware 19 $ 3,645,000 $ 191,842 $ 55,000
Okaloosa, Florida 19 $ 3,443,000 $ 181,210 $ 42,000
Noble, Indiana 19 $ 1,342,000 $ 70,631 $ 18,000
Polk, Iowa 19 $ 2,759,000 $ 145,210 $ 15,000
York, Maine 19 $ 3,626,000 $ 190,842 $ 43,000
Washington, Maryland 19 $ 2,700,000 $ 142,105 $ 26,000
Bay, Michigan 19 $ 2,090,000 $ 110,000 $ 16,000
Lenawee, Michigan 19 $ 2,772,000 $ 145,894 $ 23,000
Wabasha, Minnesota 19 $ 2,227,000 $ 117,210 $ 21,000
Berks, Pennsylvania 19 $ 2,565,000 $ 135,000 $ 43,000
Richland, South Carolina 19 $ 2,801,000 $ 147,421 $ 30,000
Smith, Texas 19 $ 1,754,000 $ 92,315 $ 32,000
Norfolk, Virginia 19 $ 1,705,000 $ 89,736 $ 25,000
Powhatan, Virginia 19 $ 2,620,000 $ 137,894 $ 28,000
Blaine, Idaho 18 $ 5,616,000 $ 312,000 $ 87,000
Mercer, Illinois 18 $ 1,789,000 $ 99,388 $ 48,000
Cerro Gordo, Iowa 18 $ 1,598,000 $ 88,777 $ 24,000
Eaton, Michigan 18 $ 2,882,000 $ 160,111 $ 47,000
Benton, Minnesota 18 $ 2,024,000 $ 112,444 $ 37,000
Douglas, Nevada 18 $ 4,975,000 $ 276,388 $ 61,000
Chambers, Texas 18 $ 1,733,000 $ 96,277 $ 39,000
Llano, Texas 18 $ 4,104,000 $ 228,000 $ 68,000
Amherst, Virginia 18 $ 1,841,000 $ 102,277 $ 8,000
Lawrence, Alabama 17 $ 1,651,000 $ 97,117 $ 15,000
Mohave, Arizona 17 $ 2,880,000 $ 169,411 $ 456,000
Imperial, California 17 $ 2,093,000 $ 123,117 $ 35,000
Highlands, Florida 17 $ 1,303,000 $ 76,647 $ 26,000
Ada, Idaho 17 $ 2,630,000 $ 154,705 $ 4,000
Henry, Indiana 17 $ 1,566,000 $ 92,117 $ 47,000
Calhoun, Michigan 17 $ 2,429,000 $ 142,882 $ 28,000
Charlevoix, Michigan 17 $ 2,871,000 $ 168,882 $ 18,000
Midland, Michigan 17 $ 1,979,000 $ 116,411 $ 49,000
Sanilac, Michigan 17 $ 2,053,000 $ 120,764 $ 10,000
Rankin, Mississippi 17 $ 1,852,000 $ 108,941 $ 34,000
Cheshire, New Hampshire 17 $ 2,267,000 $ 133,352 $ 13,000
Union, New Jersey 17 $ 3,476,000 $ 204,470 $ 15,000
Gregg, Texas 17 $ 1,434,000 $ 84,352 $ 17,000
Potter, Texas 17 $ 1,269,000 $ 74,647 $ 36,000
Goochland, Virginia 17 $ 3,328,000 $ 195,764 $ 41,000
Milwaukee, Wisconsin 17 $ 1,782,000 $ 104,823 $ 20,000
Yuba, California 16 $ 2,045,000 $ 127,812 $ 8,000
Franklin, Florida 16 $ 3,943,000 $ 246,437 $ 64,000
Bartow, Georgia 16 $ 1,815,000 $ 113,437 $ 19,000
Long, Georgia 16 $ 1,208,000 $ 75,500 $ 42,000
Winnebago, Illinois 16 $ 1,755,000 $ 109,687 $ 14,000
Carroll, New Hampshire 16 $ 2,751,000 $ 171,937 $ 27,000
Bernalillo, New Mexico 16 $ 1,721,000 $ 107,562 $ 16,000
Brown, Ohio 16 $ 1,487,000 $ 92,937 $ 33,000
Licking, Ohio 16 $ 1,933,000 $ 120,812 $ 30,000
Medina, Ohio 16 $ 2,819,000 $ 176,187 $ 32,000
Trumbull, Ohio 16 $ 1,116,000 $ 69,750 $ 11,000
Chittenden, Vermont 16 $ 2,791,000 $ 174,437 $ 30,000
Charlottesville, Virginia 16 $ 1,784,000 $ 111,500 $ 31,000
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Mortgage Loan Application Detail Totals for Guaranty Residential Lending in 2003

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
Refinancing (home purchase or home improvement, one-to-four family) 67,485 $12,064,753,000 $152,882 $7,500,000 $490 $1,700,000
Home Purchase (one-to-four family) 32,154 $5,215,573,000 $153,352 $2,449,000 $78,588 $4,936,000
Home Improvement (one-to-four family) 1 $210,000 $210,000 $210,000 $150,000 $150,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 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 63,097 $10,958,916,000 $157,450 $2,449,000 $33,156 $4,936,000
Information not provided by applicant in mail or telephone application 17,956 $3,121,532,000 $146,411 $1,607,000 $26,921 $2,201,000
Hispanic 7,481 $1,191,979,000 $135,697 $1,200,000 $29,813 $1,872,000
Black 5,837 $891,899,000 $169,534 $7,500,000 $31,232 $3,113,000
Asian or Pacific Islander 4,082 $900,766,000 $159,000 $1,500,000 $33,522 $780,000
Other 936 $176,412,000 $163,444 $1,300,000 $27,333 $1,238,000
American Indian or Alaskan Native 251 $39,032,000 $149,833 $650,000 $31,666 $318,000
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) 79,517 $14,626,694,000 $158,764 $7,500,000 $33,019 $4,936,000
FHA-insured (Federal Housing Administration) 15,890 $2,132,203,000 $121,717 $499,000 $23,434 $2,836,000
VA-guaranteed (Veterans Administration) 4,004 $498,266,000 $133,282 $301,000 $26,086 $288,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 229 $23,373,000 $101,545 $252,000 $38,909 $87,000

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 73,164 $12,270,059,000 $149,666 $2,050,000 $31,254 $3,647,000
Application Withdrawn By Applicant 12,890 $2,459,984,000 $158,156 $2,449,000 $30,450 $4,936,000
Application Approved But Not Accepted 7,314 $1,367,204,000 $154,897 $1,500,000 $24,938 $996,000
Application Denied By Financial Institution 4,494 $865,804,000 $164,204 $1,646,000 $35,244 $4,861,000
File Closed For Incompleteness 916 $177,148,000 $166,097 $7,500,000 $18,634 $882,000
Loan Purchased By The Institution 862 $140,337,000 $159,791 $650,000 $23,708 $456,000

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
Credit History 1,465 $242,349,000 $144,818 $1,450,000 $22,136 $540,000
Debt-To-Income Ratio 1,024 $192,817,000 $164,000 $1,155,000 $34,500 $2,836,000
Collateral 516 $106,038,000 $178,700 $1,500,000 $39,125 $3,113,000
Credit Application Incomplete 493 $92,985,000 $168,344 $800,000 $32,172 $1,423,000
Other 351 $79,950,000 $164,562 $1,400,000 $32,093 $1,088,000
Unverifiable Information 248 $62,145,000 $215,366 $1,646,000 $99,066 $4,861,000
Employment History 192 $43,101,000 $214,964 $1,470,000 $41,071 $360,000
Insufficient Cash (Downpayment, Closing Cost) 183 $40,879,000 $164,827 $865,000 $34,827 $350,000
Mortgage Insurance Denied 22 $5,540,000 $231,583 $730,000 $15,916 $372,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Residential Lending's 2003 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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