Guaranty Bank & Trust Company Of Delhi Louisiana Mortgage Rates, Fees & Info

Delhi, LA

LEI: 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

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Guaranty Bank & Trust Company Of Delhi Louisiana is a smaller bank specializing in Refi and Home Purchase loans. Guaranty Bank & Trust Company Of Delhi Louisiana has a high proportion of conventional loans. Their top markets by origination volume include: Monroe, Ruston, Natchez, Shreveport, and Vicksburg among others. We have data for 6 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 a below average pick rate when compared to similar lenders.

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    Originations

    223

    Origination Dollar Volume (All Markets)

    $29,095,000

    Employee count

    72

    Top 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) 128 $24,640,000 $192,500 $0 0.00%
    Outside of Metro Areas 86 $3,570,000 $41,512 $0 0.00%
    Ruston, LA (FHA|USDA|VA) 6 $600,000 $100,000 $0 0.00%
    Natchez, MS-LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    Vicksburg, MS (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
    Guaranty Bank & Trust Company Of Delhi Louisiana's top markets include Monroe, Ruston, Natchez, Shreveport, and Vicksburg among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 223 $29,095,000 $130,471 $0 0.00%

    For 2018, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 223 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 133 $14,365,000 $108,008 $0 0.00%
    Home Purchase 81 $14,555,000 $179,691 $0 0.00%
    Home Improvement 6 $150,000 $25,000 $0 0.00%
    Other 3 $25,000 $8,333 $0 0.00%

    For 2018, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Refi, with 133 originations. The 2nd most popular reason was Home Purchase, with 81 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 223 $29,095,000 $130,471 $0 0.00%

    For 2018, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 223 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 158 $6,160,000 $38,987 $0 0.00%
    $100k-200k 33 $4,535,000 $137,424 $0 0.00%
    $200k-400k 21 $5,985,000 $285,000 $0 0.00%
    $600k-1MM 6 $4,600,000 $766,667 $0 0.00%
    $1MM+ 3 $6,965,000 $2,321,667 $0 0.00%
    $400k-600k 2 $850,000 $425,000 $0 0.00%

    2018 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 158 originations, totaling $6,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 40 $1,460,000 $36,500 $0 0.00%
    $150k-250k 24 $1,980,000 $82,500 $0 0.00%
    $50k or less 23 $885,000 $38,478 $0 0.00%
    $100k-150k 18 $1,550,000 $86,111 $0 0.00%
    $75k-100k 12 $1,270,000 $105,833 $0 0.00%
    $250k+ 10 $1,540,000 $154,000 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $50k-75k range, with 40 originations. The second most popular income band? $150k-250k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 223 $29,095,000 $130,471 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 223 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 95 $20,365,000 $214,368 $0 0.00%
    White 106 $7,320,000 $69,057 $0 0.00%
    Black 18 $660,000 $36,667 $0 0.00%
    Asian 2 $380,000 $190,000 $0 0.00%
    Other Asian 1 $345,000 $345,000 $0 0.00%
    Asian Indian 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.03%

    Guaranty Bank & Trust Company Of Delhi Louisiana has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 223 $29,095,000 $130,471

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $910,000 $227,500
    Multifamily:Site-Built 24 $11,860,000 $494,167
    Single Family (1-4 Units):Manufactured 37 $1,505,000 $40,676
    Single Family (1-4 Units):Site-Built 158 $14,820,000 $93,797

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    GUARANTEED HOME MORTGAGE COMPANY Other type of mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Guaranty Bank & Trust Company of Delhi, Louisiana 109 Constitution Avenue Oak Grove, LA 71263 Full Service B&M $33,638
    Guaranty Bank & Trust Company of Delhi, Louisiana 13 Crothers Drive Richmond, LA 71282 Full Service B&M $34,469
    Guaranty Bank & Trust Company of Delhi, Louisiana 2899 Louisiana Hwy 133 Rayville, LA 71269 Full Service B&M $1,801
    Guaranty Bank & Trust Company of Delhi, Louisiana 5115 Cypress Street West Monroe, LA 71291 Full Service B&M $12,647
    Guaranty Bank & Trust Company of Delhi, Louisiana 602 Broadway Street Delhi, LA 71232 Limited, Drive-thru $0
    Guaranty Bank & Trust Company of Delhi, Louisiana 7458 Hwy 165 N Sterlington, LA 71280 Full Service B&M $6,048
    Guaranty Bank & Trust Company of Delhi, Louisiana 802 South Julia Street Rayville, LA 71269 Full Service B&M $26,421
    Guaranty Bank & Trust Company of Delhi, Louisiana 938 Highway 17 Epps, LA 71237 Full Service B&M $1,549
    Guaranty Bank & Trust Company of Delhi, Louisiana Oak And Georgia Streets Delhi, LA 71232 Full Service B&M $83,050

    For 2018, Guaranty Bank & Trust Company Of Delhi Louisiana had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $13,234
    Net interest income $11,497
    Total noninterest income $2,813
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $785
    Trading account gains and fees $0
    Additional Noninterest Income $2,028
    Pre-tax net operating income $5,660
    Securities gains (or losses, -) $0
    Income before extraordinary items $5,660
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,660
    Minority interest net income $0
    Net income $5,660
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,660

    Guaranty Bank & Trust Company Of Delhi Louisiana's gross interest income from loans was $13,234,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net interest income from loans was $11,497,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's fee based income from loans was $785,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net income from loans was $5,660,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,737
    Provision for credit losses $116
    Total noninterest expense $8,534
    Salaries and employee benefits $5,594
    Premises and equipment expense $1,292
    Additional noninterest expense $1,648
    Applicable income taxes $0
    Net charge-offs $115
    Cash dividends $4,225

    Guaranty Bank & Trust Company Of Delhi Louisiana's interest expense for loans was $1,737,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's payroll and benefits expense were $5,594,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's property, plant and equipment expenses $1,292,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $209,333
    Deposits held in domestic offices $209,333
    Deposits by Individuals, partnerships, and corporations $186,559
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $22,773
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $122,058
    Demand deposits $82,237
    Nontransaction accounts $87,274
    Money market deposit accounts (MMDAs) $3,255
    Other savings deposits (excluding MMDAs) $13,948
    Total time deposits $70,072
    Total time and savings deposits $127,095
    Noninterest-bearing deposits $82,237
    Interest-bearing deposits $127,096
    Retail deposits $186,369
    IRAs and Keogh plan accounts $3,910
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $253,711
    Cash & Balances due from depository institutions $41,440
    Interest-bearing balances $34,222
    Total securities $15,192
    Federal funds sold & reverse repurchase $0
    Net loans and leases $186,820
    Loan and leases loss allowance $1,284
    Trading account assets $0
    Bank premises and fixed assets $4,746
    Other real estate owned $747
    Goodwill and other intangibles $0
    All other assets $4,766

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $253,711
    Total Liabilities $232,974
    Total deposits $209,333
    Interest-bearing deposits $127,096
    Deposits held in domestic offices $209,333
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $23,049
    Subordinated debt $0
    All other liabilities $592

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $186,820
    Loan and leases loss allowance $1,284
    Total loans and leases (domestic) $188,104
    All real estate loans $169,156
    Real estate loans in domestic offices $169,156
    Construction and development loans $15,804
    Residential 1-4 family construction $4,634
    Other construction, all land development and other land $11,170
    Loans secured by nonfarm nonresidential properties $56,293
    Nonfarm nonresidential secured by owner-occupied properties $36,576
    Commercial real estate & other non-farm, non-residential $19,717
    Multifamily residential real estate $14,359
    1-4 family residential loans $73,001
    Farmland loans $9,699
    Loans held in foreign offices $0
    Farm loans $758
    Commercial and industrial loans $12,284
    To non-U.S. addressees $0
    Loans to individuals $5,906
    Credit card loans $1,120
    Related Plans $0
    Consumer Auto Loans $1,116
    Other loans to individuals $3,670
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Guaranty Bank & Trust Company of Delhi Louisiana had $186,820,000 of loans outstanding in 2018. $169,156,000 of loans were in real estate loans. $15,804,000 of loans were in development loans. $14,359,000 of loans were in multifamily mortgage loans. $73,001,000 of loans were in 1-4 family mortgage loans. $758,000 of loans were in farm loans. $1,120,000 of loans were in credit card loans. $1,116,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 173 $56,293 $325,393
    Nonfarm, nonresidential loans - <$100k 67 $2,421 $36,134
    Nonfarm, nonresidential loans - $100-250k 35 $4,166 $119,029
    Nonfarm, nonresidential loans - $250k-1MM 71 $49,706 $700,085
    Commercial & Industrial, US addressed loans - <$1MM 325 $12,284 $37,797
    Commercial & Industrial, US addressed loans - <$100k 291 $4,665 $16,031
    Commercial & Industrial, US addressed loans - $100-250k 17 $1,772 $104,235
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $5,847 $343,941
    Farmland loans - <$1MM 128 $7,825 $61,133
    Farmland loans - <$100k 97 $2,906 $29,959
    Farmland loans - $100-250k 22 $2,827 $128,500
    Farmland loans - $250k-1MM 9 $2,092 $232,444
    Agriculture operations loans - <$1MM 35 $758 $21,657
    Agriculture operations loans - <$100k 32 $577 $18,031
    Agriculture operations loans - $100-250k 3 $181 $60,333