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records Guaranty Residential Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 2,745 | $ 434,312,000 | $ 158,219 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,742 | $ 802,816,000 | $ 292,784 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 2,522 | $ 499,311,000 | $ 197,982 | $ 81,000 |
| Dallas-Plano-Irving, TX | 2,010 | $ 129,601,000 | $ 64,478 | $ 96,000 |
| Austin-Round Rock, TX | 1,897 | $ 224,322,000 | $ 118,250 | $ 71,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,733 | $ 619,567,000 | $ 357,511 | $ 103,000 |
| Warren-Farmington Hills-Troy, MI | 1,662 | $ 288,707,000 | $ 173,710 | $ 63,000 |
| Houston-Baytown-Sugar Land, TX | 1,436 | $ 115,657,000 | $ 80,541 | $ 68,000 |
| Chicago-Naperville-Joliet, IL | 1,430 | $ 295,956,000 | $ 206,962 | $ 83,000 |
| San Antonio, TX | 1,405 | $ 151,736,000 | $ 107,997 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,328 | $ 250,198,000 | $ 188,402 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,094 | $ 413,861,000 | $ 378,300 | $ 111,000 |
| Hartford-West Hartford-East Hartford, CT | 999 | $ 158,684,000 | $ 158,842 | $ 70,000 |
| Fort Worth-Arlington, TX | 993 | $ 88,873,000 | $ 89,499 | $ 80,000 |
| Baltimore-Towson, MD | 870 | $ 147,061,000 | $ 169,035 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 766 | $ 210,234,000 | $ 274,456 | $ 89,000 |
| Boston-Quincy, MA | 756 | $ 209,682,000 | $ 277,357 | $ 104,000 |
| Savannah, GA | 702 | $ 92,073,000 | $ 131,158 | $ 61,000 |
| Denver-Aurora, CO | 677 | $ 122,407,000 | $ 180,807 | $ 63,000 |
| New York-Wayne-White Plains, NY-NJ | 669 | $ 199,131,000 | $ 297,654 | $ 100,000 |
| Killeen-Temple-Fort Hood, TX | 645 | $ 66,946,000 | $ 103,792 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 629 | $ 194,127,000 | $ 308,627 | $ 106,000 |
| Indianapolis, IN | 617 | $ 76,828,000 | $ 124,518 | $ 57,000 |
| Nassau-Suffolk, NY | 609 | $ 145,881,000 | $ 239,541 | $ 87,000 |
| Providence-New Bedford-Fall River, RI-MA | 608 | $ 103,740,000 | $ 170,625 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 595 | $ 53,008,000 | $ 89,089 | $ 49,000 |
| Orlando, FL | 591 | $ 103,171,000 | $ 174,570 | $ 73,000 |
| Bridgeport-Stamford-Norwalk, CT | 562 | $ 143,207,000 | $ 254,816 | $ 99,000 |
| Fresno, CA | 558 | $ 108,560,000 | $ 194,551 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 532 | $ 73,759,000 | $ 138,644 | $ 56,000 |
| New Haven-Milford, CT | 528 | $ 90,760,000 | $ 171,893 | $ 67,000 |
| Stockton, CA | 486 | $ 94,254,000 | $ 193,938 | $ 63,000 |
| Bethesda-Frederick-Gaithersburg, MD | 483 | $ 107,580,000 | $ 222,732 | $ 90,000 |
| Richmond, VA | 478 | $ 64,791,000 | $ 135,546 | $ 67,000 |
| Gary, IN | 470 | $ 54,230,000 | $ 115,382 | $ 51,000 |
| Phoenix-Mesa-Scottsdale, AZ | 432 | $ 65,746,000 | $ 152,189 | $ 51,000 |
| Nashville-Davidson--Murfreesboro, TN | 396 | $ 59,922,000 | $ 151,318 | $ 56,000 |
| Las Vegas-Paradise, NV | 390 | $ 71,770,000 | $ 184,025 | $ 115,000 |
| Hinesville-Fort Stewart, GA | 378 | $ 34,883,000 | $ 92,283 | $ 38,000 |
| Oklahoma City, OK | 368 | $ 37,923,000 | $ 103,051 | $ 56,000 |
| Santa Rosa-Petaluma, CA | 359 | $ 112,374,000 | $ 313,019 | $ 93,000 |
| Huntsville, AL | 356 | $ 36,260,000 | $ 101,853 | $ 48,000 |
| Edison, NJ | 351 | $ 84,608,000 | $ 241,048 | $ 111,000 |
| Modesto, CA | 315 | $ 61,631,000 | $ 195,653 | $ 80,000 |
| Pueblo, CO | 311 | $ 36,418,000 | $ 117,099 | $ 42,000 |
| Green Bay, WI | 309 | $ 35,899,000 | $ 116,177 | $ 49,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 285 | $ 65,917,000 | $ 231,287 | $ 82,000 |
| Reno-Sparks, NV | 281 | $ 51,672,000 | $ 183,886 | $ 72,000 |
| Roanoke, VA | 275 | $ 30,516,000 | $ 110,967 | $ 46,000 |
| Essex County, MA | 273 | $ 67,382,000 | $ 246,820 | $ 84,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 268 | $ 91,369,000 | $ 340,929 | $ 129,000 |
| Philadelphia, PA | 267 | $ 61,168,000 | $ 229,093 | $ 117,000 |
| Akron, OH | 253 | $ 27,144,000 | $ 107,288 | $ 61,000 |
| Flint, MI | 229 | $ 28,074,000 | $ 122,593 | $ 51,000 |
| Colorado Springs, CO | 219 | $ 38,983,000 | $ 178,004 | $ 50,000 |
| Manchester-Nashua, NH | 216 | $ 34,161,000 | $ 158,152 | $ 87,000 |
| Ann Arbor, MI | 213 | $ 41,014,000 | $ 192,553 | $ 77,000 |
| Seattle-Bellevue-Everett, WA | 210 | $ 39,710,000 | $ 189,095 | $ 72,000 |
| Hot Springs, AR | 208 | $ 22,512,000 | $ 108,230 | $ 42,000 |
| Anchorage, AK | 197 | $ 35,632,000 | $ 180,873 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 191 | $ 66,907,000 | $ 350,298 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 191 | $ 29,603,000 | $ 154,989 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 180 | $ 22,200,000 | $ 123,333 | $ 57,000 |
| Raleigh-Cary, NC | 177 | $ 29,133,000 | $ 164,593 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 170 | $ 30,774,000 | $ 181,023 | $ 79,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 167 | $ 30,420,000 | $ 182,155 | $ 82,000 |
| Yuma, AZ | 166 | $ 19,121,000 | $ 115,186 | $ 58,000 |
| Muncie, IN | 156 | $ 11,704,000 | $ 75,025 | $ 41,000 |
| Worcester, MA | 154 | $ 33,666,000 | $ 218,610 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 153 | $ 21,523,000 | $ 140,673 | $ 78,000 |
| Merced, CA | 150 | $ 22,716,000 | $ 151,440 | $ 56,000 |
| San Francisco-San Mateo-Redwood City, CA | 150 | $ 62,719,000 | $ 418,126 | $ 161,000 |
| Saginaw-Saginaw Township North, MI | 149 | $ 14,026,000 | $ 94,134 | $ 54,000 |
| Jacksonville, FL | 147 | $ 22,516,000 | $ 153,170 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 146 | $ 36,030,000 | $ 246,780 | $ 105,000 |
| Charlotte-Gastonia-Concord, NC-SC | 141 | $ 19,226,000 | $ 136,354 | $ 56,000 |
| Rockingham County-Strafford County, NH | 141 | $ 29,776,000 | $ 211,177 | $ 99,000 |
| Corpus Christi, TX | 137 | $ 15,149,000 | $ 110,576 | $ 90,000 |
| Baton Rouge, LA | 134 | $ 14,168,000 | $ 105,731 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 134 | $ 18,178,000 | $ 135,656 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 132 | $ 24,886,000 | $ 188,530 | $ 89,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 125 | $ 24,606,000 | $ 196,848 | $ 102,000 |
| Fort Wayne, IN | 120 | $ 12,318,000 | $ 102,650 | $ 51,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 120 | $ 20,892,000 | $ 174,100 | $ 73,000 |
| El Paso, TX | 118 | $ 10,910,000 | $ 92,457 | $ 68,000 |
| Norwich-New London, CT | 117 | $ 18,506,000 | $ 158,170 | $ 65,000 |
| Visalia-Porterville, CA | 116 | $ 14,517,000 | $ 125,146 | $ 53,000 |
| Greeley, CO | 115 | $ 18,918,000 | $ 164,504 | $ 55,000 |
| Fort Collins-Loveland, CO | 113 | $ 18,936,000 | $ 167,575 | $ 60,000 |
| Wilmington, DE-MD-NJ | 113 | $ 17,941,000 | $ 158,769 | $ 77,000 |
| Springfield, MO | 112 | $ 11,201,000 | $ 100,008 | $ 41,000 |
| Lakeland, FL | 108 | $ 12,749,000 | $ 118,046 | $ 51,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 103 | $ 16,544,000 | $ 160,621 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 102 | $ 11,647,000 | $ 114,186 | $ 73,000 |
| Waco, TX | 102 | $ 9,726,000 | $ 95,352 | $ 75,000 |
| Rochester, MN | 99 | $ 14,574,000 | $ 147,212 | $ 60,000 |
| Tallahassee, FL | 98 | $ 10,713,000 | $ 109,316 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 97 | $ 15,321,000 | $ 157,948 | $ 107,000 |
| Lansing-East Lansing, MI | 97 | $ 15,015,000 | $ 154,793 | $ 69,000 |
| Grand Rapids-Wyoming, MI | 95 | $ 13,088,000 | $ 137,768 | $ 62,000 |
| Anderson, IN | 93 | $ 7,682,000 | $ 82,602 | $ 48,000 |
| Louisville, KY-IN | 92 | $ 12,694,000 | $ 137,978 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 86 | $ 10,249,000 | $ 119,174 | $ 48,000 |
| Lynchburg, VA | 86 | $ 9,786,000 | $ 113,790 | $ 58,000 |
| Decatur, AL | 85 | $ 9,417,000 | $ 110,788 | $ 45,000 |
| Newark-Union, NJ-PA | 84 | $ 22,545,000 | $ 268,392 | $ 134,000 |
| Vallejo-Fairfield, CA | 84 | $ 20,668,000 | $ 246,047 | $ 97,000 |
| Lafayette, LA | 83 | $ 8,685,000 | $ 104,638 | $ 43,000 |
| Gainesville, GA | 77 | $ 11,333,000 | $ 147,181 | $ 77,000 |
| Chico, CA | 76 | $ 12,154,000 | $ 159,921 | $ 70,000 |
| Portland-Vancouver-Beaverton, OR-WA | 74 | $ 13,802,000 | $ 186,513 | $ 84,000 |
| Bakersfield, CA | 72 | $ 8,835,000 | $ 122,708 | $ 53,000 |
| Canton-Massillon, OH | 72 | $ 6,626,000 | $ 92,027 | $ 47,000 |
| Columbus, OH | 72 | $ 10,951,000 | $ 152,097 | $ 71,000 |
| Palm Bay-Melbourne-Titusville, FL | 70 | $ 11,629,000 | $ 166,128 | $ 80,000 |
| Barnstable Town, MA | 68 | $ 18,994,000 | $ 279,323 | $ 159,000 |
| Birmingham-Hoover, AL | 65 | $ 9,035,000 | $ 139,000 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 65 | $ 12,542,000 | $ 192,953 | $ 87,000 |
| Beaumont-Port Arthur, TX | 63 | $ 5,378,000 | $ 85,365 | $ 81,000 |
| Tacoma, WA | 58 | $ 10,324,000 | $ 178,000 | $ 62,000 |
| Jackson, MS | 57 | $ 5,414,000 | $ 94,982 | $ 35,000 |
| Punta Gorda, FL | 55 | $ 8,800,000 | $ 160,000 | $ 87,000 |
| Boulder, CO | 54 | $ 13,118,000 | $ 242,925 | $ 120,000 |
| Medford, OR | 54 | $ 8,038,000 | $ 148,851 | $ 67,000 |
| Springfield, MA | 52 | $ 8,011,000 | $ 154,057 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 50 | $ 6,604,000 | $ 132,080 | $ 65,000 |
| Kalamazoo-Portage, MI | 47 | $ 5,604,000 | $ 119,234 | $ 53,000 |
| Tucson, AZ | 47 | $ 5,880,000 | $ 125,106 | $ 58,000 |
| Memphis, TN-MS-AR | 45 | $ 6,145,000 | $ 136,555 | $ 68,000 |
| Duluth, MN-WI | 44 | $ 5,679,000 | $ 129,068 | $ 60,000 |
| Joplin, MO | 44 | $ 4,099,000 | $ 93,159 | $ 60,000 |
| Portland-South Portland-Biddeford, ME | 42 | $ 10,460,000 | $ 249,047 | $ 104,000 |
| Naples-Marco Island, FL | 41 | $ 8,724,000 | $ 212,780 | $ 141,000 |
| Appleton, WI | 39 | $ 4,702,000 | $ 120,564 | $ 52,000 |
| McAllen-Edinburg-Pharr, TX | 38 | $ 3,645,000 | $ 95,921 | $ 58,000 |
| College Station-Bryan, TX | 37 | $ 2,182,000 | $ 58,972 | $ 80,000 |
| Durham, NC | 37 | $ 5,053,000 | $ 136,567 | $ 54,000 |
| Madera, CA | 37 | $ 5,433,000 | $ 146,837 | $ 67,000 |
| Shreveport-Bossier City, LA | 37 | $ 3,590,000 | $ 97,027 | $ 53,000 |
| Salt Lake City, UT | 36 | $ 7,429,000 | $ 206,361 | $ 77,000 |
| St. Louis, MO-IL | 36 | $ 3,449,000 | $ 95,805 | $ 58,000 |
| Camden, NJ | 35 | $ 5,544,000 | $ 158,400 | $ 69,000 |
| Cincinnati-Middletown, OH-KY-IN | 34 | $ 4,442,000 | $ 130,647 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 34 | $ 4,750,000 | $ 139,705 | $ 57,000 |
| Montgomery, AL | 34 | $ 3,916,000 | $ 115,176 | $ 59,000 |
| Bay City, MI | 33 | $ 3,409,000 | $ 103,303 | $ 60,000 |
| Brownsville-Harlingen, TX | 33 | $ 2,378,000 | $ 72,060 | $ 110,000 |
| Dalton, GA | 32 | $ 5,180,000 | $ 161,875 | $ 70,000 |
| Dothan, AL | 32 | $ 2,972,000 | $ 92,875 | $ 62,000 |
| Hanford-Corcoran, CA | 32 | $ 3,874,000 | $ 121,062 | $ 68,000 |
| Little Rock-North Little Rock, AR | 32 | $ 4,020,000 | $ 125,625 | $ 72,000 |
| St. Cloud, MN | 31 | $ 4,254,000 | $ 137,225 | $ 69,000 |
| Kansas City, MO-KS | 30 | $ 3,749,000 | $ 124,966 | $ 91,000 |
| Santa Cruz-Watsonville, CA | 30 | $ 10,679,000 | $ 355,966 | $ 75,000 |
| Jackson, MI | 28 | $ 3,897,000 | $ 139,178 | $ 55,000 |
| Ocala, FL | 28 | $ 2,994,000 | $ 106,928 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 28 | $ 3,933,000 | $ 140,464 | $ 91,000 |
| Niles-Benton Harbor, MI | 27 | $ 3,463,000 | $ 128,259 | $ 56,000 |
| Reading, PA | 27 | $ 3,401,000 | $ 125,962 | $ 63,000 |
| Redding, CA | 27 | $ 2,398,000 | $ 88,814 | $ 68,000 |
| Sheboygan, WI | 27 | $ 3,269,000 | $ 121,074 | $ 53,000 |
| York-Hanover, PA | 27 | $ 3,102,000 | $ 114,888 | $ 65,000 |
| Albuquerque, NM | 26 | $ 4,458,000 | $ 171,461 | $ 72,000 |
| Holland-Grand Haven, MI | 26 | $ 3,829,000 | $ 147,269 | $ 63,000 |
| Port St. Lucie-Fort Pierce, FL | 26 | $ 3,783,000 | $ 145,500 | $ 77,000 |
| Fort Walton Beach-Crestview-Destin, FL | 25 | $ 5,165,000 | $ 206,600 | $ 78,000 |
| Lake Charles, LA | 25 | $ 2,243,000 | $ 89,720 | $ 41,000 |
| Muskegon-Norton Shores, MI | 25 | $ 3,312,000 | $ 132,480 | $ 55,000 |
| Provo-Orem, UT | 25 | $ 4,229,000 | $ 169,160 | $ 61,000 |
| Tulsa, OK | 25 | $ 3,516,000 | $ 140,640 | $ 80,000 |
| Alexandria, LA | 24 | $ 3,077,000 | $ 128,208 | $ 62,000 |
| Houma-Bayou Cane-Thibodaux, LA | 24 | $ 2,060,000 | $ 85,833 | $ 38,000 |
| Kingston, NY | 24 | $ 3,432,000 | $ 143,000 | $ 68,000 |
| Charlottesville, VA | 23 | $ 3,653,000 | $ 158,826 | $ 168,000 |
| Dover, DE | 23 | $ 3,532,000 | $ 153,565 | $ 51,000 |
| Napa, CA | 21 | $ 7,731,000 | $ 368,142 | $ 126,000 |
| Eugene-Springfield, OR | 20 | $ 1,797,000 | $ 89,850 | $ 74,000 |
| Prescott, AZ | 20 | $ 2,843,000 | $ 142,150 | $ 61,000 |
| Longview, TX | 19 | $ 1,559,000 | $ 82,052 | $ 45,000 |
| Santa Fe, NM | 19 | $ 7,478,000 | $ 393,578 | $ 121,000 |
| Tyler, TX | 19 | $ 1,225,000 | $ 64,473 | $ 100,000 |
| Bellingham, WA | 18 | $ 2,345,000 | $ 130,277 | $ 39,000 |
| Boise City-Nampa, ID | 18 | $ 2,291,000 | $ 127,277 | $ 75,000 |
| Des Moines, IA | 18 | $ 1,506,000 | $ 83,666 | $ 80,000 |
| Honolulu, HI | 18 | $ 4,694,000 | $ 260,777 | $ 106,000 |
| Sherman-Denison, TX | 18 | $ 1,001,000 | $ 55,611 | $ 107,000 |
| Albany-Schenectady-Troy, NY | 17 | $ 2,687,000 | $ 158,058 | $ 49,000 |
| Dayton, OH | 17 | $ 2,283,000 | $ 134,294 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 17 | $ 1,976,000 | $ 116,235 | $ 28,000 |
| Salinas, CA | 17 | $ 6,740,000 | $ 396,470 | $ 117,000 |
| Trenton-Ewing, NJ | 17 | $ 3,975,000 | $ 233,823 | $ 107,000 |
| Columbia, SC | 16 | $ 2,491,000 | $ 155,687 | $ 88,000 |
| El Centro, CA | 16 | $ 2,631,000 | $ 164,437 | $ 61,000 |
| Monroe, MI | 16 | $ 1,948,000 | $ 121,750 | $ 59,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 16 | $ 5,832,000 | $ 364,500 | $ 136,000 |
| Yuba City, CA | 16 | $ 2,565,000 | $ 160,312 | $ 74,000 |
| Battle Creek, MI | 15 | $ 1,913,000 | $ 127,533 | $ 47,000 |
| Burlington-South Burlington, VT | 15 | $ 2,840,000 | $ 189,333 | $ 80,000 |
| Greensboro-High Point, NC | 15 | $ 1,662,000 | $ 110,800 | $ 67,000 |
| Laredo, TX | 15 | $ 1,462,000 | $ 97,466 | $ 56,000 |
| Davenport-Moline-Rock Island, IA-IL | 14 | $ 1,540,000 | $ 110,000 | $ 56,000 |
| Ogden-Clearfield, UT | 14 | $ 1,898,000 | $ 135,571 | $ 77,000 |
| Olympia, WA | 14 | $ 1,404,000 | $ 100,285 | $ 58,000 |
| Amarillo, TX | 13 | $ 1,075,000 | $ 82,692 | $ 66,000 |
| Athens-Clarke County, GA | 13 | $ 1,954,000 | $ 150,307 | $ 66,000 |
| Chattanooga, TN-GA | 13 | $ 1,850,000 | $ 142,307 | $ 109,000 |
| Rockford, IL | 13 | $ 1,438,000 | $ 110,615 | $ 41,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 4,143,000 | $ 318,692 | $ 183,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,305,000 | $ 100,384 | $ 64,000 |
| Flagstaff, AZ | 12 | $ 358,000 | $ 29,833 | $ 76,000 |
| Madison, WI | 12 | $ 1,576,000 | $ 131,333 | $ 66,000 |
| Ocean City, NJ | 12 | $ 4,479,000 | $ 373,250 | $ 171,000 |
| Topeka, KS | 12 | $ 1,810,000 | $ 150,833 | $ 80,000 |
| Winston-Salem, NC | 12 | $ 1,609,000 | $ 134,083 | $ 45,000 |
| Anniston-Oxford, AL | 11 | $ 1,305,000 | $ 118,636 | $ 57,000 |
| Bloomington, IN | 11 | $ 1,580,000 | $ 143,636 | $ 52,000 |
| Fayetteville, NC | 11 | $ 1,028,000 | $ 93,454 | $ 40,000 |
| Yakima, WA | 11 | $ 1,196,000 | $ 108,727 | $ 35,000 |
| Bremerton-Silverdale, WA | 10 | $ 1,648,000 | $ 164,800 | $ 75,000 |
| Florence-Muscle Shoals, AL | 10 | $ 773,000 | $ 77,300 | $ 49,000 |
| Jacksonville, NC | 10 | $ 788,000 | $ 78,800 | $ 48,000 |
| Janesville, WI | 10 | $ 746,000 | $ 74,600 | $ 32,000 |
| Mobile, AL | 10 | $ 1,832,000 | $ 183,200 | $ 50,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 1,318,000 | $ 131,800 | $ 91,000 |
| Oshkosh-Neenah, WI | 10 | $ 1,489,000 | $ 148,900 | $ 53,000 |
| St. George, UT | 10 | $ 1,758,000 | $ 175,800 | $ 55,000 |
| Charleston-North Charleston, SC | 9 | $ 2,151,000 | $ 239,000 | $ 94,000 |
| Coeur D'Alene, ID | 9 | $ 780,000 | $ 86,666 | $ 49,000 |
| Kankakee-Bradley, IL | 9 | $ 1,124,000 | $ 124,888 | $ 52,000 |
| Lubbock, TX | 9 | $ 635,000 | $ 70,555 | $ 60,000 |
| Pittsfield, MA | 9 | $ 3,505,000 | $ 389,444 | $ 130,000 |
| Spokane, WA | 9 | $ 1,263,000 | $ 140,333 | $ 42,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 648,000 | $ 72,000 | $ 52,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 764,000 | $ 95,500 | $ 257,000 |
| Champaign-Urbana, IL | 8 | $ 683,000 | $ 85,375 | $ 19,000 |
| Clarksville, TN-KY | 8 | $ 826,000 | $ 103,250 | $ 29,000 |
| Elizabethtown, KY | 8 | $ 1,166,000 | $ 145,750 | $ 61,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 1,500,000 | $ 187,500 | $ 78,000 |
| Jackson, TN | 8 | $ 661,000 | $ 82,625 | $ 50,000 |
| Knoxville, TN | 8 | $ 998,000 | $ 124,750 | $ 50,000 |
| San Angelo, TX | 8 | $ 465,000 | $ 58,125 | $ 106,000 |
| Sioux Falls, SD | 8 | $ 779,000 | $ 97,375 | $ 69,000 |
| Wichita, KS | 8 | $ 938,000 | $ 117,250 | $ 61,000 |
| Bend, OR | 7 | $ 1,974,000 | $ 282,000 | $ 101,000 |
| Gainesville, FL | 7 | $ 584,000 | $ 83,428 | $ 35,000 |
| Lancaster, PA | 7 | $ 1,234,000 | $ 176,285 | $ 61,000 |
| Pittsburgh, PA | 7 | $ 1,491,000 | $ 213,000 | $ 106,000 |
| Syracuse, NY | 7 | $ 692,000 | $ 98,857 | $ 65,000 |
| Wichita Falls, TX | 7 | $ 390,000 | $ 55,714 | $ 72,000 |
| Columbus, GA-AL | 6 | $ 454,000 | $ 75,666 | $ 51,000 |
| Greenville, SC | 6 | $ 842,000 | $ 140,333 | $ 32,000 |
| Macon, GA | 6 | $ 726,000 | $ 121,000 | $ 71,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,581,000 | $ 263,500 | $ 118,000 |
| Racine, WI | 6 | $ 766,000 | $ 127,666 | $ 81,000 |
| Rochester, NY | 6 | $ 571,000 | $ 95,166 | $ 52,000 |
| Rocky Mount, NC | 6 | $ 843,000 | $ 140,500 | $ 64,000 |
| Rome, GA | 6 | $ 1,104,000 | $ 184,000 | $ 71,000 |
| Salisbury, MD | 6 | $ 795,000 | $ 132,500 | $ 73,000 |
| Toledo, OH | 6 | $ 1,066,000 | $ 177,666 | $ 97,000 |
| Tuscaloosa, AL | 6 | $ 705,000 | $ 117,500 | $ 60,000 |
| Vero Beach, FL | 6 | $ 802,000 | $ 133,666 | $ 58,000 |
| Victoria, TX | 6 | $ 273,000 | $ 45,500 | $ 101,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 663,000 | $ 110,500 | $ 70,000 |
| Binghamton, NY | 5 | $ 336,000 | $ 67,200 | $ 27,000 |
| Brunswick, GA | 5 | $ 1,109,000 | $ 221,800 | $ 90,000 |
| Danville, VA | 5 | $ 389,000 | $ 77,800 | $ 68,000 |
| Fargo, ND-MN | 5 | $ 449,000 | $ 89,800 | $ 39,000 |
| Grand Forks, ND-MN | 5 | $ 478,000 | $ 95,600 | $ 77,000 |
| Gulfport-Biloxi, MS | 5 | $ 843,000 | $ 168,600 | $ 78,000 |
| Harrisburg-Carlisle, PA | 5 | $ 633,000 | $ 126,600 | $ 80,000 |
| Harrisonburg, VA | 5 | $ 637,000 | $ 127,400 | $ 100,000 |
| Peoria, IL | 5 | $ 450,000 | $ 90,000 | $ 50,000 |
| Pocatello, ID | 5 | $ 301,000 | $ 60,200 | $ 62,000 |
| Warner Robins, GA | 5 | $ 691,000 | $ 138,200 | $ 61,000 |
| Wenatchee, WA | 5 | $ 478,000 | $ 95,600 | $ 193,000 |
| Abilene, TX | 4 | $ 435,000 | $ 108,750 | $ 54,000 |
| Asheville, NC | 4 | $ 1,039,000 | $ 259,750 | $ 119,000 |
| Atlantic City, NJ | 4 | $ 806,000 | $ 201,500 | $ 96,000 |
| Cedar Rapids, IA | 4 | $ 528,000 | $ 132,000 | $ 68,000 |
| Cheyenne, WY | 4 | $ 669,000 | $ 167,250 | $ 50,000 |
| Farmington, NM | 4 | $ 485,000 | $ 121,250 | $ 77,000 |
| Florence, SC | 4 | $ 360,000 | $ 90,000 | $ 83,000 |
| Fond Du Lac, WI | 4 | $ 573,000 | $ 143,250 | $ 68,000 |
| Greenville, NC | 4 | $ 622,000 | $ 155,500 | $ 20,000 |
| Jefferson City, MO | 4 | $ 440,000 | $ 110,000 | $ 62,000 |
| Jonesboro, AR | 4 | $ 451,000 | $ 112,750 | $ 73,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 305,000 | $ 76,250 | $ 60,000 |
| Pascagoula, MS | 4 | $ 282,000 | $ 70,500 | $ 49,000 |
| Salem, OR | 4 | $ 676,000 | $ 169,000 | $ 22,000 |
| Springfield, IL | 4 | $ 338,000 | $ 84,500 | $ 58,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 340,000 | $ 85,000 | $ 71,000 |
| Albany, GA | 3 | $ 327,000 | $ 109,000 | $ 64,000 |
| Bowling Green, KY | 3 | $ 267,000 | $ 89,000 | $ 57,000 |
| Fairbanks, AK | 3 | $ 517,000 | $ 172,333 | $ 0 |
| Glens Falls, NY | 3 | $ 416,000 | $ 138,666 | $ 161,000 |
| Grand Junction, CO | 3 | $ 433,000 | $ 144,333 | $ 27,000 |
| Iowa City, IA | 3 | $ 316,000 | $ 105,333 | $ 64,000 |
| Lafayette, IN | 3 | $ 327,000 | $ 109,000 | $ 88,000 |
| Lawton, OK | 3 | $ 249,000 | $ 83,000 | $ 42,000 |
| Midland, TX | 3 | $ 294,000 | $ 98,000 | $ 116,000 |
| Odessa, TX | 3 | $ 143,000 | $ 47,666 | $ 74,000 |
| Owensboro, KY | 3 | $ 343,000 | $ 114,333 | $ 93,000 |
| Sumter, SC | 3 | $ 300,000 | $ 100,000 | $ 38,000 |
| Valdosta, GA | 3 | $ 180,000 | $ 60,000 | $ 61,000 |
| Wilmington, NC | 3 | $ 546,000 | $ 182,000 | $ 56,000 |
| Winchester, VA-WV | 3 | $ 294,000 | $ 98,000 | $ 60,000 |
| Billings, MT | 2 | $ 236,000 | $ 118,000 | $ 62,000 |
| Bloomington-Normal, IL | 2 | $ 416,000 | $ 208,000 | $ 79,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 78,000 | $ 39,000 | $ 34,000 |
| Burlington, NC | 2 | $ 372,000 | $ 186,000 | $ 50,000 |
| Carson City, NV | 2 | $ 388,000 | $ 194,000 | $ 81,000 |
| Charleston, WV | 2 | $ 205,000 | $ 102,500 | $ 295,000 |
| Columbus, IN | 2 | $ 180,000 | $ 90,000 | $ 38,000 |
| Corvallis, OR | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Eau Claire, WI | 2 | $ 211,000 | $ 105,500 | $ 28,000 |
| Elmira, NY | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Erie, PA | 2 | $ 318,000 | $ 159,000 | $ 18,000 |
| La Crosse, WI-MN | 2 | $ 295,000 | $ 147,500 | $ 58,000 |
| Las Cruces, NM | 2 | $ 105,000 | $ 52,500 | $ 59,000 |
| Lexington-Fayette, KY | 2 | $ 187,000 | $ 93,500 | $ 64,000 |
| Longview, WA | 2 | $ 219,000 | $ 109,500 | $ 51,000 |
| Michigan City-La Porte, IN | 2 | $ 180,000 | $ 90,000 | $ 64,000 |
| Missoula, MT | 2 | $ 263,000 | $ 131,500 | $ 91,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 214,000 | $ 107,000 | $ 67,000 |
| Spartanburg, SC | 2 | $ 266,000 | $ 133,000 | $ 53,000 |
| Springfield, OH | 2 | $ 259,000 | $ 129,500 | $ 78,000 |
| Terre Haute, IN | 2 | $ 137,000 | $ 68,500 | $ 76,000 |
| Ames, IA | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Anderson, SC | 1 | $ 74,000 | $ 74,000 | $ 61,000 |
| Auburn-Opelika, AL | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Bangor, ME | 1 | $ 48,000 | $ 48,000 | $ 19,000 |
| Bismarck, ND | 1 | $ 195,000 | $ 195,000 | $ 139,000 |
| Casper, WY | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Cleveland, TN | 1 | $ 133,000 | $ 133,000 | $ 117,000 |
| Columbia, MO | 1 | $ 10,000 | $ 10,000 | $ 118,000 |
| Cumberland, MD-WV | 1 | $ 176,000 | $ 176,000 | $ 210,000 |
| Danville, IL | 1 | $ 108,000 | $ 108,000 | $ 121,000 |
| Elkhart-Goshen, IN | 1 | $ 84,000 | $ 84,000 | $ 21,000 |
| Fort Smith, AR-OK | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Idaho Falls, ID | 1 | $ 167,000 | $ 167,000 | $ 73,000 |
| Johnson City, TN | 1 | $ 110,000 | $ 110,000 | $ 95,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 146,000 | $ 146,000 | $ 120,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Lincoln, NE | 1 | $ 163,000 | $ 163,000 | $ 67,000 |
| Mansfield, OH | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Monroe, LA | 1 | $ 143,000 | $ 143,000 | $ 95,000 |
| Pine Bluff, AR | 1 | $ 86,000 | $ 86,000 | $ 77,000 |
| Sandusky, OH | 1 | $ 229,000 | $ 229,000 | $ 202,000 |
| State College, PA | 1 | $ 141,000 | $ 141,000 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Wausau, WI | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Williamsport, PA | 1 | $ 258,000 | $ 258,000 | $ 125,000 |
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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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