Guaranty Bank & Trust Company Of Delhi Louisiana Mortgage Rates, Fees & Info
Delhi, LALEI: 5493007JVSQYT5Y2V066
Tax ID: 72-0632994
Latest/2024 | 2023 Data | 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, Baton Rouge, Houston, Ruston, and Hot Springs among others. We have data for 8 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
260Origination Dollar Volume (All Markets)
$37,080,000Top 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) | 188 | $30,710,000 | $163,351 | $0 | 0.00% |
| Outside of Metro Areas | 62 | $3,690,000 | $59,516 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 5 | $295,000 | $59,000 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Grenada, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 260 | $37,080,000 | $142,615 | $0 | 0.00% |
For 2024, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 260 originations.
Loan Reason
For 2024, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Home Purchase, with 123 originations. The 2nd most popular reason was Refi, with 120 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 260 | $37,080,000 | $142,615 | $0 | 0.00% |
For 2024, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 260 originations.
Loan Sizing
2024 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 148 originations, totaling $7,200,000 in origination value.
Applicant Income
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $75k-100k range, with 19 originations. The second most popular income band? $50k or less, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 260 | $37,080,000 | $142,615 | $0 | 0.00% |
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 260 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.65%
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 origination90.00%
Guaranty Bank & Trust Company Of Delhi Louisiana has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 260 | $37,080,000 | $142,615 |