Guaranty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Guaranty Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Guaranty Bank 2006 S Glenstone Avenue Jefferson City, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 883 |
| Total Mortgage Loan Application Amount | $257,675,000 |
| Average Mortgage Loan Application Amount | $227,000 |
| Highest Mortgage Loan Application Amount | $11,855,000 |
| Average Applicant Income | $141,000 |
| Highest Applicant Income | $1,887,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Guaranty Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Guaranty Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Guaranty Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Guaranty Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Guaranty Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Guaranty Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene County Missouri | 513 | $ 117,205,000 | $ 228,000 | $ 133,000 |
| Christian County Missouri | 195 | $ 50,265,000 | $ 257,000 | $ 116,000 |
| Webster County Missouri | 26 | $ 4,570,000 | $ 175,000 | $ 87,000 |
| Stone County Missouri | 25 | $ 6,175,000 | $ 247,000 | $ 235,000 |
| Taney County Missouri | 13 | $ 9,735,000 | $ 748,000 | $ 159,000 |
| Lawrence County Missouri | 12 | $ 1,990,000 | $ 165,000 | $ 62,000 |
| Dallas County Missouri | 8 | $ 1,230,000 | $ 153,000 | $ 124,000 |
| Jackson County Missouri | 6 | $ 1,150,000 | $ 191,000 | $ 106,000 |
| Polk County Missouri | 6 | $ 940,000 | $ 156,000 | $ 58,000 |
| Tulsa County Oklahoma | 4 | $ 1,580,000 | $ 395,000 | $ 226,000 |
| Boone County Arkansas | 3 | $ 765,000 | $ 255,000 | $ 150,000 |
| Barry County Missouri | 3 | $ 415,000 | $ 138,000 | $ 103,000 |
| Camden County Missouri | 3 | $ 915,000 | $ 305,000 | $ 153,000 |
| Jasper County Missouri | 3 | $ 12,305,000 | $ 4,101,000 | $ 82,000 |
| St. Louis County Missouri | 3 | $ 765,000 | $ 255,000 | $ 73,000 |
| Jefferson County Alabama | 2 | $ 330,000 | $ 165,000 | $ 72,000 |
| Benton County Arkansas | 2 | $ 350,000 | $ 175,000 | $ 119,000 |
| Washington County Arkansas | 2 | $ 630,000 | $ 315,000 | $ 100,000 |
| Cape Girardeau County Missouri | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Clay County Missouri | 2 | $ 11,460,000 | $ 5,730,000 | $ 51,000 |
| Newton County Missouri | 2 | $ 400,000 | $ 200,000 | $ 84,000 |
| Wright County Missouri | 2 | $ 400,000 | $ 200,000 | $ 66,000 |
| Cascade County Montana | 2 | $ 290,000 | $ 145,000 | $ 45,000 |
| Socorro County New Mexico | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Clackamas County Oregon | 2 | $ 660,000 | $ 330,000 | $ 71,000 |
| Davidson County Tennessee | 2 | $ 5,430,000 | $ 2,715,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Carroll County Arkansas | 1 | $ 355,000 | $ 355,000 | $ 142,000 |
| Faulkner County Arkansas | 1 | $ 1,455,000 | $ 1,455,000 | $ 0 |
| Mississippi County Arkansas | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Sebastian County Arkansas | 1 | $ 1,585,000 | $ 1,585,000 | $ 0 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Denver County Colorado | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Jefferson County Colorado | 1 | $ 385,000 | $ 385,000 | $ 71,000 |
| Rio Grande County Colorado | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Lake County Florida | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Santa Rosa County Florida | 1 | $ 465,000 | $ 465,000 | $ 99,000 |
| Bryan County Georgia | 1 | $ 385,000 | $ 385,000 | $ 135,000 |
| Forsyth County Georgia | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Glynn County Georgia | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| St. Clair County Illinois | 1 | $ 55,000 | $ 55,000 | $ 216,000 |
| Johnson County Kansas | 1 | $ 495,000 | $ 495,000 | $ 541,000 |
| Sedgwick County Kansas | 1 | $ 505,000 | $ 505,000 | $ 1,221,000 |
| Rapides County Louisiana | 1 | $ 7,645,000 | $ 7,645,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 385,000 | $ 385,000 | $ 84,000 |
| Oakland County Michigan | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Barton County Missouri | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Bates County Missouri | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Benton County Missouri | 1 | $ 435,000 | $ 435,000 | $ 157,000 |
| Boone County Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dade County Missouri | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Douglas County Missouri | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Platte County Missouri | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| St. Charles County Missouri | 1 | $ 435,000 | $ 435,000 | $ 107,000 |
| St. Louis City County Missouri | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Beckham County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Benton County Oregon | 1 | $ 265,000 | $ 265,000 | $ 315,000 |
| Minnehaha County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 280,000 |
| Knox County Tennessee | 1 | $ 2,985,000 | $ 2,985,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 417,000 |
| Union County Tennessee | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Harris County Texas | 1 | $ 295,000 | $ 295,000 | $ 129,000 |
| King County Washington | 1 | $ 495,000 | $ 495,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank in 2020
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 | 391 | $104,445,000 | $267,000 | $7,645,000 | $116,000 | $1,221,000 |
| Refinancing | 388 | $130,790,000 | $337,000 | $11,855,000 | $141,000 | $1,779,000 |
| Cash-out Refinancing | 93 | $20,095,000 | $216,000 | $515,000 | $121,000 | $1,078,000 |
| Other Purpose | 9 | $2,205,000 | $245,000 | $515,000 | $327,000 | $1,887,000 |
| Home Improvement | 2 | $140,000 | $70,000 | $85,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 749 | $165,355,000 | $220,000 | $1,175,000 | $127,000 | $1,887,000 |
| Not applicable | 62 | $77,660,000 | $1,252,000 | $11,855,000 | $0 | $0 |
| Not Provided | 24 | $5,270,000 | $219,000 | $475,000 | $146,000 | $604,000 |
| Hispanic | 17 | $2,495,000 | $146,000 | $465,000 | $117,000 | $198,000 |
| Black or African American | 15 | $3,685,000 | $245,000 | $515,000 | $271,000 | $417,000 |
| Asian | 9 | $1,885,000 | $209,000 | $445,000 | $121,000 | $280,000 |
| American Indian or Alaskan Native | 3 | $485,000 | $161,000 | $165,000 | $138,000 | $239,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $120,000 | $60,000 | $65,000 | $39,000 | $44,000 |
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) | 836 | $248,640,000 | $297,000 | $11,855,000 | $134,000 | $1,887,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,455,000 | $164,000 | $325,000 | $60,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,785,000 | $252,000 | $495,000 | $103,000 | $359,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,795,000 | $163,000 | $225,000 | $49,000 | $75,000 |
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 | 738 | $192,520,000 | $260,000 | $7,645,000 | $134,000 | $1,887,000 |
| Application Withdrawn By Applicant | 99 | $43,635,000 | $440,000 | $11,855,000 | $121,000 | $1,221,000 |
| Application Denied By Financial Institution | 39 | $10,905,000 | $279,000 | $3,715,000 | $75,000 | $245,000 |
| Loan Purchased By The Institution | 5 | $10,095,000 | $2,019,000 | $3,605,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $520,000 | $260,000 | $305,000 | $103,000 | $110,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 883 | $257,675,000 | $291,000 | $11,855,000 | $130,000 | $1,887,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guaranty Bank'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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.