First Guaranty Bank mortgage approval rate & lending review
First Guaranty Bank decided 630 mortgage applications and funded 495 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Guaranty Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Guaranty Bank at a glance
Approval is 4.9 points above the 83.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 307 / 334 | 91% | $245K | 280 |
| Home improvement loans | 85% | 23 / 27 | 74% | $95K | 17 |
| Refinance | 69% | 64 / 93 | 84% | $165K | 54 |
| Investment property purchase | 92% | 94 / 102 | 91% | $125K | 86 |
| Investment refinance | 93% | 54 / 58 | 83% | $55K | 45 |
First Guaranty Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Guaranty Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tangipahoa Parish, LA | Mortgage lenders | 93% | 134 | 114 |
| Livingston Parish, LA | Mortgage lenders | 93% | 43 | 37 |
| St. Tammany Parish, LA | Mortgage lenders | 100% | 37 | 31 |
| Tangipahoa Parish, LA | Refinance | 71% | 41 | 26 |
| Tangipahoa Parish, LA | Investment property purchase | 100% | 20 | 18 |
The county markets where First Guaranty Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Guaranty Bank
What is First Guaranty Bank's mortgage approval rate?
First Guaranty Bank approved 88.3% of the 630 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.9 points above the 83.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Guaranty Bank offers?
Borrowers accepted 89% of the loans First Guaranty Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Guaranty Bank make?
The typical home purchase mortgage loan First Guaranty Bank made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Guaranty Bank lend?
First Guaranty Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Louisiana, Texas and Mississippi.
Can I apply to First Guaranty Bank directly?
Yes. First Guaranty Bank is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Guaranty Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Guaranty Bank treats applications, then get a rate quote from the lender.