Guaranty Bank & Trust Company Of Delhi Louisiana Mortgage Rates, Fees & Info
Delhi, LALEI: 5493007JVSQYT5Y2V066
Tax ID: 72-0632994
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Guaranty Bank & Trust Company Of Delhi Louisiana is a smaller bank specializing in Home Purchase and Refi loans. Guaranty Bank & Trust Company Of Delhi Louisiana has a high proportion of conventional loans. Their top markets by origination volume include: Monroe, Hammond, Shreveport, Ruston, and Grenada among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Guaranty Bank & Trust Company Of Delhi Louisiana has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
313Origination Dollar Volume (All Markets)
$44,005,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MONROE, LA (FHA|USDA|VA) | 232 | $34,530,000 | $148,836 | $0 | 0.00% |
| Outside of Metro Areas | 71 | $3,955,000 | $55,704 | $0 | 0.00% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $3,575,000 | $3,575,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 0.00% |
| Grenada, MS (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 313 | $44,005,000 | $140,591 | $0 | 0.00% |
For 2023, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 313 originations.
Loan Reason
For 2023, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Home Purchase, with 157 originations. The 2nd most popular reason was Refi, with 124 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 313 | $44,005,000 | $140,591 | $0 | 0.00% |
For 2023, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 313 originations.
Loan Sizing
2023 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 194 originations, totaling $10,010,000 in origination value.
Applicant Income
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $100k-150k range, with 21 originations. The second most popular income band? $50k-75k, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 313 | $44,005,000 | $140,591 | $0 | 0.00% |
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 313 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.97%
Guaranty Bank & Trust Company Of Delhi Louisiana has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.61%
Guaranty Bank & Trust Company Of Delhi Louisiana has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 313 | $44,005,000 | $140,591 |