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

Delhi, LA

LEI: 5493007JVSQYT5Y2V066

Tax ID: 72-0632994

Latest/2023 | 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, Shreveport, Ruston, Denver, 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

    279

    Origination Dollar Volume (All Markets)

    $49,075,000

    Employee count

    78

    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) 178 $35,270,000 $198,146 $0 0.00%
    Outside of Metro Areas 84 $8,240,000 $98,095 $0 0.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $3,615,000 $723,000 $0 0.00%
    Ruston, LA (FHA|USDA|VA) 10 $1,240,000 $124,000 $0 0.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
    Vicksburg, MS (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    Guaranty Bank & Trust Company Of Delhi Louisiana's top markets include Monroe, Shreveport, Ruston, Denver, and Vicksburg among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 279 $49,075,000 $175,896 $0 0.00%

    For 2020, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 279 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 151 $27,405,000 $181,490 $0 0.00%
    Home Purchase 115 $21,055,000 $183,087 $0 0.00%
    Home Improvement 10 $430,000 $43,000 $0 0.00%
    Other 3 $185,000 $61,667 $0 0.00%

    For 2020, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Refi, with 151 originations. The 2nd most popular reason was Home Purchase, with 115 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 279 $49,075,000 $175,896 $0 0.00%

    For 2020, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 279 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 154 $6,950,000 $45,130 $0 0.00%
    $100k-200k 63 $8,925,000 $141,667 $0 0.00%
    $200k-400k 32 $8,880,000 $277,500 $0 0.00%
    $400k-600k 15 $6,765,000 $451,000 $0 0.00%
    $600k-1MM 11 $8,575,000 $779,545 $0 0.00%
    $1MM+ 4 $8,980,000 $2,245,000 $0 0.00%

    2020 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 154 originations, totaling $6,950,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 35 $4,715,000 $134,714 $0 0.00%
    $50k or less 30 $1,470,000 $49,000 $0 0.00%
    $50k-75k 27 $2,425,000 $89,815 $0 0.00%
    $100k-150k 23 $3,115,000 $135,435 $0 0.00%
    $75k-100k 21 $2,625,000 $125,000 $0 0.00%
    $250k+ 11 $2,535,000 $230,455 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $150k-250k range, with 35 originations. The second most popular income band? $50k or less, with 30 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 279 $49,075,000 $175,896 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 279 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 130 $31,700,000 $243,846 $0 0.00%
    White 132 $16,030,000 $121,439 $0 0.00%
    Black 16 $1,150,000 $71,875 $0 0.00%
    Asian 1 $195,000 $195,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.49%

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

    Pick Rate

    Approvals leading to origination
    86.74%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 279 $49,075,000 $175,896

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 12 $6,930,000 $577,500
    Multifamily:Site-Built 37 $16,225,000 $438,514
    Single Family (1-4 Units):Manufactured 50 $2,720,000 $54,400
    Single Family (1-4 Units):Site-Built 180 $23,200,000 $128,889

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    GUARANTY HOME MORTGAGE CORPORATION Conventional home 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 2899 Louisiana Hwy 133 Rayville, LA 71269 Full Service B&M $1,793
    Guaranty Bank & Trust Company of Delhi, Louisiana 109 Constitution Avenue Oak Grove, LA 71263 Full Service B&M $40,574
    Guaranty Bank & Trust Company of Delhi, Louisiana 1220 North 18th Street Monroe, LA 71201 Full Service B&M $3,274
    Guaranty Bank & Trust Company of Delhi, Louisiana 13 Crothers Drive Richmond, LA 71282 Full Service B&M $47,855
    Guaranty Bank & Trust Company of Delhi, Louisiana 5115 Cypress Street West Monroe, LA 71291 Full Service B&M $18,081
    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 $5,213
    Guaranty Bank & Trust Company of Delhi, Louisiana 802 South Julia Street Rayville, LA 71269 Full Service B&M $39,472
    Guaranty Bank & Trust Company of Delhi, Louisiana 938 Highway 17 Epps, LA 71237 Full Service B&M $1,602
    Guaranty Bank & Trust Company of Delhi, Louisiana Oak And Georgia Streets Delhi, LA 71232 Full Service B&M $112,840

    For 2020, Guaranty Bank & Trust Company Of Delhi Louisiana had 10 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,417
    Net interest income $13,221
    Total noninterest income $3,189
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $663
    Trading account gains and fees $0
    Additional Noninterest Income $2,526
    Pre-tax net operating income $6,075
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,075
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,075
    Minority interest net income $0
    Net income $6,075
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,075

    Guaranty Bank & Trust Company Of Delhi Louisiana's gross interest income from loans was $15,417,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net interest income from loans was $13,221,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's fee based income from loans was $663,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net income from loans was $6,075,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,196
    Provision for credit losses $732
    Total noninterest expense $9,603
    Salaries and employee benefits $6,536
    Premises and equipment expense $1,374
    Additional noninterest expense $1,693
    Applicable income taxes $0
    Net charge-offs $6
    Cash dividends $3,911

    Guaranty Bank & Trust Company Of Delhi Louisiana's interest expense for loans was $2,196,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's payroll and benefits expense were $6,536,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's property, plant and equipment expenses $1,374,000.

    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 2.0%
    Nonfarm, nonresidential loans 1.0%
    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 1.4%
    Other individual loans 0.0%
    Auto loans 3.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $277,070
    Deposits held in domestic offices $277,070
    Deposits by Individuals, partnerships, and corporations $250,669
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $26,401
    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 $165,468
    Demand deposits $94,721
    Nontransaction accounts $111,602
    Money market deposit accounts (MMDAs) $2,664
    Other savings deposits (excluding MMDAs) $22,568
    Total time deposits $86,372
    Total time and savings deposits $182,349
    Noninterest-bearing deposits $94,721
    Interest-bearing deposits $182,349
    Retail deposits $235,425
    IRAs and Keogh plan accounts $4,262
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $318,116
    Cash & Balances due from depository institutions $76,598
    Interest-bearing balances $71,866
    Total securities $14,016
    Federal funds sold & reverse repurchase $0
    Net loans and leases $217,671
    Loan and leases loss allowance $2,093
    Trading account assets $0
    Bank premises and fixed assets $5,663
    Other real estate owned $369
    Goodwill and other intangibles $0
    All other assets $3,799

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $318,116
    Total Liabilities $292,556
    Total deposits $277,070
    Interest-bearing deposits $182,349
    Deposits held in domestic offices $277,070
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $14,831
    Subordinated debt $0
    All other liabilities $655

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $217,671
    Loan and leases loss allowance $2,093
    Total loans and leases (domestic) $219,764
    All real estate loans $200,170
    Real estate loans in domestic offices $200,170
    Construction and development loans $13,648
    Residential 1-4 family construction $3,580
    Other construction, all land development and other land $10,068
    Loans secured by nonfarm nonresidential properties $68,425
    Nonfarm nonresidential secured by owner-occupied properties $42,939
    Commercial real estate & other non-farm, non-residential $25,486
    Multifamily residential real estate $12,734
    1-4 family residential loans $94,892
    Farmland loans $10,471
    Loans held in foreign offices $0
    Farm loans $1,884
    Commercial and industrial loans $12,842
    To non-U.S. addressees $0
    Loans to individuals $4,868
    Credit card loans $857
    Related Plans $0
    Consumer Auto Loans $701
    Other loans to individuals $3,310
    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 $217,671,000 of loans outstanding in 2020. $200,170,000 of loans were in real estate loans. $13,648,000 of loans were in development loans. $12,734,000 of loans were in multifamily mortgage loans. $94,892,000 of loans were in 1-4 family mortgage loans. $1,884,000 of loans were in farm loans. $857,000 of loans were in credit card loans. $701,000 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 167 $68,425 $409,731
    Nonfarm, nonresidential loans - <$100k 55 $1,679 $30,527
    Nonfarm, nonresidential loans - $100-250k 37 $4,266 $115,297
    Nonfarm, nonresidential loans - $250k-1MM 75 $62,480 $833,067
    Commercial & Industrial, US addressed loans - <$1MM 225 $8,389 $37,284
    Commercial & Industrial, US addressed loans - <$100k 204 $3,196 $15,667
    Commercial & Industrial, US addressed loans - $100-250k 9 $726 $80,667
    Commercial & Industrial, US addressed loans - $250k-1MM 12 $4,467 $372,250
    Farmland loans - <$1MM 123 $8,208 $66,732
    Farmland loans - <$100k 92 $2,858 $31,065
    Farmland loans - $100-250k 23 $2,871 $124,826
    Farmland loans - $250k-1MM 8 $2,479 $309,875
    Agriculture operations loans - <$1MM 44 $1,251 $28,432
    Agriculture operations loans - <$100k 35 $617 $17,629
    Agriculture operations loans - $100-250k 7 $633 $90,429
    Agriculture operations loans - $250k-1MM 2 $1 $500