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 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, Ruston, Natchez, Baton Rouge, and Shreveport 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 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

    383

    Origination Dollar Volume (All Markets)

    $68,195,000

    Employee count

    76

    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) 274 $56,480,000 $206,131 $0 0.00%
    Outside of Metro Areas 83 $7,105,000 $85,602 $0 0.00%
    Ruston, LA (FHA|USDA|VA) 20 $2,880,000 $144,000 $0 0.00%
    Natchez, MS-LA (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $470,000 $235,000 $0 0.00%
    JACKSON, MS (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    Guaranty Bank & Trust Company Of Delhi Louisiana's top markets include Monroe, Ruston, Natchez, Baton Rouge, and Shreveport 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 383 $68,195,000 $178,055 $0 0.00%

    For 2021, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 383 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 193 $39,745,000 $205,933 $0 0.00%
    Refi 176 $27,540,000 $156,477 $0 0.00%
    Home Improvement 12 $810,000 $67,500 $0 0.00%
    Other 1 $5,000 $5,000 $0 0.00%
    Cash Out Refi 1 $95,000 $95,000 $0 0.00%

    For 2021, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Home Purchase, with 193 originations. The 2nd most popular reason was Refi, with 176 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 383 $68,195,000 $178,055 $0 0.00%

    For 2021, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 383 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 169 $7,625,000 $45,118 $0 0.00%
    $100k-200k 111 $16,385,000 $147,613 $0 0.00%
    $200k-400k 71 $18,965,000 $267,113 $0 0.00%
    $400k-600k 16 $7,830,000 $489,375 $0 0.00%
    $600k-1MM 11 $8,275,000 $752,273 $0 0.00%
    $1MM+ 5 $9,115,000 $1,823,000 $0 0.00%

    2021 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 169 originations, totaling $7,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 45 $2,505,000 $55,667 $0 0.00%
    $50k-75k 43 $2,945,000 $68,488 $0 0.00%
    $75k-100k 40 $6,250,000 $156,250 $0 0.00%
    $100k-150k 32 $5,510,000 $172,188 $0 0.00%
    $150k-250k 28 $5,620,000 $200,714 $0 0.00%
    $250k+ 8 $1,220,000 $152,500 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $50k or less range, with 45 originations. The second most popular income band? $50k-75k, with 43 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 383 $68,195,000 $178,055 $0 0.00%

    Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 383 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 183 $43,645,000 $238,497 $0 0.00%
    White 161 $19,605,000 $121,770 $0 0.00%
    Black 32 $3,320,000 $103,750 $0 0.00%
    Asian Indian 1 $545,000 $545,000 $0 0.00%
    Asian 3 $525,000 $175,000 $0 0.00%
    Vietnamese 2 $320,000 $160,000 $0 0.00%
    Filipino 1 $235,000 $235,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.38%

    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 origination
    81.98%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 383 $68,195,000 $178,055

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    383 $68,195,000 $178,055

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    GUARANTY HOME MORTGAGE CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing 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 $41,427
    Guaranty Bank & Trust Company of Delhi, Louisiana 1220 North 18th Street Monroe, LA 71201 Full Service B&M $8,265
    Guaranty Bank & Trust Company of Delhi, Louisiana 13 Crothers Drive Richmond, LA 71282 Full Service B&M $49,165
    Guaranty Bank & Trust Company of Delhi, Louisiana 2899 Louisiana Hwy 133 Rayville, LA 71269 Full Service B&M $1,587
    Guaranty Bank & Trust Company of Delhi, Louisiana 5115 Cypress Street West Monroe, LA 71291 Full Service B&M $22,659
    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 $5,526
    Guaranty Bank & Trust Company of Delhi, Louisiana 802 South Julia Street Rayville, LA 71269 Full Service B&M $35,772
    Guaranty Bank & Trust Company of Delhi, Louisiana 938 Highway 17 Epps, LA 71237 Full Service B&M $1,686
    Guaranty Bank & Trust Company of Delhi, Louisiana Oak And Georgia Streets Delhi, LA 71232 Full Service B&M $134,021

    For 2021, Guaranty Bank & Trust Company Of Delhi Louisiana had 10 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,415
    Net interest income $13,023
    Total noninterest income $4,839
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $541
    Trading account gains and fees $0
    Additional Noninterest Income $4,298
    Pre-tax net operating income $7,979
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,979
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,979
    Minority interest net income $0
    Net income $7,979
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,979

    Guaranty Bank & Trust Company Of Delhi Louisiana's gross interest income from loans was $14,415,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net interest income from loans was $13,023,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's fee based income from loans was $541,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's net income from loans was $7,979,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,392
    Provision for credit losses $50
    Total noninterest expense $9,833
    Salaries and employee benefits $6,549
    Premises and equipment expense $1,550
    Additional noninterest expense $1,734
    Applicable income taxes $0
    Net charge-offs $280
    Cash dividends $3,958

    Guaranty Bank & Trust Company Of Delhi Louisiana's interest expense for loans was $1,392,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's payroll and benefits expense were $6,549,000.
    Guaranty Bank & Trust Company Of Delhi Louisiana's property, plant and equipment expenses $1,550,000.

    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 $298,503
    Deposits held in domestic offices $298,503
    Deposits by Individuals, partnerships, and corporations $266,887
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $31,613
    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 $174,401
    Demand deposits $111,505
    Nontransaction accounts $124,102
    Money market deposit accounts (MMDAs) $4,670
    Other savings deposits (excluding MMDAs) $24,072
    Total time deposits $95,360
    Total time and savings deposits $186,998
    Noninterest-bearing deposits $111,505
    Interest-bearing deposits $186,998
    Retail deposits $245,198
    IRAs and Keogh plan accounts $4,546
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $340,569
    Cash & Balances due from depository institutions $97,645
    Interest-bearing balances $87,671
    Total securities $13,800
    Federal funds sold & reverse repurchase $0
    Net loans and leases $220,134
    Loan and leases loss allowance $1,864
    Trading account assets $0
    Bank premises and fixed assets $5,354
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $3,636

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $340,569
    Total Liabilities $311,196
    Total deposits $298,503
    Interest-bearing deposits $186,998
    Deposits held in domestic offices $298,503
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $12,363
    Subordinated debt $0
    All other liabilities $330

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $220,134
    Loan and leases loss allowance $1,864
    Total loans and leases (domestic) $221,998
    All real estate loans $207,736
    Real estate loans in domestic offices $207,736
    Construction and development loans $15,411
    Residential 1-4 family construction $6,529
    Other construction, all land development and other land $8,882
    Loans secured by nonfarm nonresidential properties $73,789
    Nonfarm nonresidential secured by owner-occupied properties $47,344
    Commercial real estate & other non-farm, non-residential $26,445
    Multifamily residential real estate $13,036
    1-4 family residential loans $98,285
    Farmland loans $7,215
    Loans held in foreign offices $0
    Farm loans $1,785
    Commercial and industrial loans $7,480
    To non-U.S. addressees $0
    Loans to individuals $4,997
    Credit card loans $970
    Related Plans $0
    Consumer Auto Loans $831
    Other loans to individuals $3,196
    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 $220,134,000 of loans outstanding in 2021. $207,736,000 of loans were in real estate loans. $15,411,000 of loans were in development loans. $13,036,000 of loans were in multifamily mortgage loans. $98,285,000 of loans were in 1-4 family mortgage loans. $1,785,000 of loans were in farm loans. $970,000 of loans were in credit card loans. $831,000 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 179 $73,789 $412,229
    Nonfarm, nonresidential loans - <$100k 57 $2,318 $40,667
    Nonfarm, nonresidential loans - $100-250k 44 $5,611 $127,523
    Nonfarm, nonresidential loans - $250k-1MM 78 $65,860 $844,359
    Commercial & Industrial, US addressed loans - <$1MM 221 $7,480 $33,846
    Commercial & Industrial, US addressed loans - <$100k 202 $3,342 $16,545
    Commercial & Industrial, US addressed loans - $100-250k 8 $674 $84,250
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $3,464 $314,909
    Farmland loans - <$1MM 115 $6,763 $58,809
    Farmland loans - <$100k 87 $2,886 $33,172
    Farmland loans - $100-250k 24 $2,802 $116,750
    Farmland loans - $250k-1MM 4 $1,075 $268,750
    Agriculture operations loans - <$1MM 38 $1,400 $36,842
    Agriculture operations loans - <$100k 29 $518 $17,862
    Agriculture operations loans - $100-250k 6 $620 $103,333
    Agriculture operations loans - $250k-1MM 3 $262 $87,333