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, Shreveport, and Hot Springs among others. We have data for 5 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    252

    Origination Dollar Volume (All Markets)

    $34,380,000

    Employee count

    80

    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) 146 $28,230,000 $193,356 $0 0.00%
    Outside of Metro Areas 92 $3,960,000 $43,043 $0 0.00%
    Ruston, LA (FHA|USDA|VA) 11 $1,535,000 $139,545 $0 0.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $540,000 $270,000 $0 0.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Guaranty Bank & Trust Company Of Delhi Louisiana's top markets include Monroe, Ruston, Shreveport, and Hot Springs among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 252 $34,380,000 $136,429 $0 0.00%

    For 2019, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 252 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 138 $18,240,000 $132,174 $0 0.00%
    Home Purchase 95 $15,245,000 $160,474 $0 0.00%
    Home Improvement 18 $890,000 $49,444 $0 0.00%
    Other 1 $5,000 $5,000 $0 0.00%

    For 2019, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Refi, with 138 originations. The 2nd most popular reason was Home Purchase, with 95 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 252 $34,380,000 $136,429 $0 0.00%

    For 2019, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 252 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 168 $6,370,000 $37,917 $0 0.00%
    $100k-200k 36 $4,790,000 $133,056 $0 0.00%
    $200k-400k 34 $9,240,000 $271,765 $0 0.00%
    $400k-600k 6 $3,090,000 $515,000 $0 0.00%
    $1MM+ 4 $7,830,000 $1,957,500 $0 0.00%
    $600k-1MM 4 $3,060,000 $765,000 $0 0.00%

    2019 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 168 originations, totaling $6,370,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 38 $1,490,000 $39,211 $0 0.00%
    $50k or less 27 $815,000 $30,185 $0 0.00%
    $75k-100k 20 $1,770,000 $88,500 $0 0.00%
    $250k+ 14 $1,700,000 $121,429 $0 0.00%
    $100k-150k 13 $1,875,000 $144,231 $0 0.00%
    $150k-250k 13 $1,335,000 $102,692 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $50k-75k range, with 38 originations. The second most popular income band? $50k or less, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 252 $34,380,000 $136,429 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 252 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 126 $25,380,000 $201,429 $0 0.00%
    White 105 $7,125,000 $67,857 $0 0.00%
    Black 18 $990,000 $55,000 $0 0.00%
    Asian 1 $565,000 $565,000 $0 0.00%
    Asian Indian 1 $275,000 $275,000 $0 0.00%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.13%

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

    Pick Rate

    Approvals leading to origination
    81.75%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 252 $34,380,000 $136,429

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 9 $4,735,000 $526,111
    Multifamily:Site-Built 31 $12,105,000 $390,484
    Single Family (1-4 Units):Manufactured 46 $2,140,000 $46,522
    Single Family (1-4 Units):Site-Built 166 $15,400,000 $92,771

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    GUARANTEED HOME MORTGAGE COMPANY FHA mortgage Struggling to pay mortgage 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 $35,886
    Guaranty Bank & Trust Company of Delhi, Louisiana 13 Crothers Drive Richmond, LA 71282 Full Service B&M $36,146
    Guaranty Bank & Trust Company of Delhi, Louisiana 2899 Louisiana Hwy 133 Rayville, LA 71269 Full Service B&M $1,638
    Guaranty Bank & Trust Company of Delhi, Louisiana 5115 Cypress Street West Monroe, LA 71291 Full Service B&M $13,682
    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 $5,889
    Guaranty Bank & Trust Company of Delhi, Louisiana 802 South Julia Street Rayville, LA 71269 Full Service B&M $33,032
    Guaranty Bank & Trust Company of Delhi, Louisiana 938 Highway 17 Epps, LA 71237 Full Service B&M $1,513
    Guaranty Bank & Trust Company of Delhi, Louisiana Oak And Georgia Streets Delhi, LA 71232 Full Service B&M $94,017

    For 2019, Guaranty Bank & Trust Company Of Delhi Louisiana had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,525
    Net interest income $12,128
    Total noninterest income $3,206
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $789
    Trading account gains and fees $0
    Additional Noninterest Income $2,417
    Pre-tax net operating income $5,846
    Securities gains (or losses, -) $0
    Income before extraordinary items $5,846
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,846
    Minority interest net income $0
    Net income $5,846
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,846

    Guaranty Bank & Trust Company Of Delhi Louisiana's gross interest income from loans was $14,525,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net interest income from loans was $12,128,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's fee based income from loans was $789,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net income from loans was $5,846,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,397
    Provision for credit losses $170
    Total noninterest expense $9,318
    Salaries and employee benefits $6,005
    Premises and equipment expense $1,694
    Additional noninterest expense $1,619
    Applicable income taxes $0
    Net charge-offs $86
    Cash dividends $4,326

    Guaranty Bank & Trust Company Of Delhi Louisiana's interest expense for loans was $2,397,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's payroll and benefits expense were $6,005,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's property, plant and equipment expenses $1,694,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $252,695
    Deposits held in domestic offices $252,695
    Deposits by Individuals, partnerships, and corporations $225,865
    Deposits by U.S. Government $11
    Deposits by States and political subdivisions in the U.S. $26,819
    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 $150,361
    Demand deposits $98,225
    Nontransaction accounts $102,334
    Money market deposit accounts (MMDAs) $3,318
    Other savings deposits (excluding MMDAs) $13,811
    Total time deposits $85,205
    Total time and savings deposits $154,470
    Noninterest-bearing deposits $98,225
    Interest-bearing deposits $154,470
    Retail deposits $215,126
    IRAs and Keogh plan accounts $4,074
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $296,830
    Cash & Balances due from depository institutions $64,119
    Interest-bearing balances $59,418
    Total securities $13,938
    Federal funds sold & reverse repurchase $0
    Net loans and leases $208,649
    Loan and leases loss allowance $1,369
    Trading account assets $0
    Bank premises and fixed assets $5,805
    Other real estate owned $374
    Goodwill and other intangibles $0
    All other assets $3,945

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $296,830
    Total Liabilities $274,306
    Total deposits $252,695
    Interest-bearing deposits $154,470
    Deposits held in domestic offices $252,695
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,804
    Subordinated debt $0
    All other liabilities $807

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $208,649
    Loan and leases loss allowance $1,369
    Total loans and leases (domestic) $210,018
    All real estate loans $191,110
    Real estate loans in domestic offices $191,110
    Construction and development loans $16,855
    Residential 1-4 family construction $4,498
    Other construction, all land development and other land $12,357
    Loans secured by nonfarm nonresidential properties $62,049
    Nonfarm nonresidential secured by owner-occupied properties $40,746
    Commercial real estate & other non-farm, non-residential $21,303
    Multifamily residential real estate $13,426
    1-4 family residential loans $86,769
    Farmland loans $12,011
    Loans held in foreign offices $0
    Farm loans $1,718
    Commercial and industrial loans $11,701
    To non-U.S. addressees $0
    Loans to individuals $5,489
    Credit card loans $1,150
    Related Plans $0
    Consumer Auto Loans $830
    Other loans to individuals $3,509
    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 $208,649,000 of loans outstanding in 2019. $191,110,000 of loans were in real estate loans. $16,855,000 of loans were in development loans. $13,426,000 of loans were in multifamily mortgage loans. $86,769,000 of loans were in 1-4 family mortgage loans. $1,718,000 of loans were in farm loans. $1,150,000 of loans were in credit card loans. $830,000 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 180 $62,048 $344,711
    Nonfarm, nonresidential loans - <$100k 62 $2,209 $35,629
    Nonfarm, nonresidential loans - $100-250k 41 $4,761 $116,122
    Nonfarm, nonresidential loans - $250k-1MM 77 $55,078 $715,299
    Commercial & Industrial, US addressed loans - <$1MM 297 $11,701 $39,397
    Commercial & Industrial, US addressed loans - <$100k 266 $3,945 $14,831
    Commercial & Industrial, US addressed loans - $100-250k 13 $1,372 $105,538
    Commercial & Industrial, US addressed loans - $250k-1MM 18 $6,384 $354,667
    Farmland loans - <$1MM 131 $8,363 $63,840
    Farmland loans - <$100k 100 $3,129 $31,290
    Farmland loans - $100-250k 23 $2,998 $130,348
    Farmland loans - $250k-1MM 8 $2,236 $279,500
    Agriculture operations loans - <$1MM 47 $1,215 $25,851
    Agriculture operations loans - <$100k 41 $745 $18,171
    Agriculture operations loans - $100-250k 4 $259 $64,750
    Agriculture operations loans - $250k-1MM 2 $211 $105,500