Guaranty Bank & Trust Company Of Delhi Louisiana Mortgage Rates, Fees & Info
Delhi, LALEI: 5493007JVSQYT5Y2V066
Tax ID: 72-0632994
Latest/2023 | 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, Hammond, Ruston, El Dorado, and Shreveport among others. We have data for 11 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
416Origination Dollar Volume (All Markets)
$78,240,000Top 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) | 312 | $64,380,000 | $206,346 | $0 | 0.00% |
| Outside of Metro Areas | 80 | $4,460,000 | $55,750 | $0 | 0.00% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $0 | 0.00% |
| El Dorado, AR (FHA|USDA|VA) | 2 | $1,600,000 | $800,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $0 | 0.00% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Hope, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 416 | $78,240,000 | $188,077 | $0 | 0.00% |
For 2022, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently originated type of loan was Conventional, with 416 originations.
Loan Reason
For 2022, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan purpose was Home Purchase, with 235 originations. The 2nd most popular reason was Refi, with 164 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 416 | $78,240,000 | $188,077 | $0 | 0.00% |
For 2022, Guaranty Bank & Trust Company Of Delhi Louisiana's most frequently cited loan duration was Other, with 416 originations.
Loan Sizing
2022 saw Guaranty Bank & Trust Company Of Delhi Louisiana place emphasis on $100,000 or less loans with 223 originations, totaling $11,745,000 in origination value.
Applicant Income
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with incomes in the $50k or less range, with 30 originations. The second most popular income band? $50k-75k, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 416 | $78,240,000 | $188,077 | $0 | 0.00% |
Guaranty Bank & Trust Company Of Delhi Louisiana lent most frequently to those with DTI ratios of Exempt%, with 416 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.79%
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 origination93.51%
Guaranty Bank & Trust Company Of Delhi Louisiana has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 416 | $78,240,000 | $188,077 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GUARANTEED RATE INC. | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| GUARANTEED RATE INC. | FHA mortgage | Trouble during payment process | 1 | 50.0% |