Guaranty Bank And Trust Company mortgage approval rate & lending review
Guaranty Bank And Trust Company decided 455 mortgage applications and funded 409 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guaranty Bank And Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guaranty Bank And Trust Company at a glance
Approval is 5.4 points above the 85.1% 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 | 89% | 228 / 256 | 100% | $275K | 228 |
| Refinance | 77% | 27 / 35 | 96% | $295K | 26 |
| Investment property purchase | 99% | 116 / 117 | 99% | $195K | 115 |
| Investment refinance | 94% | 29 / 31 | 97% | $165K | 28 |
Guaranty Bank And Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Mississippi | 91% | $275K | 294 | 265 |
| Tennessee | 91% | $125K | 128 | 115 |
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 Guaranty Bank And Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| DeSoto County, MS | Mortgage lenders | 91% | 148 | 135 |
| Shelby County, TN | Investment property purchase | 100% | 50 | 50 |
| DeSoto County, MS | Investment property purchase | 100% | 34 | 33 |
| DeSoto County, MS | Refinance | 88% | 24 | 21 |
The county markets where Guaranty Bank And Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Guaranty Bank And Trust Company
What is Guaranty Bank And Trust Company's mortgage approval rate?
Guaranty Bank And Trust Company approved 90.5% of the 455 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.4 points above the 85.1% national rate for the same mix of loan types.
How often do borrowers take the loan Guaranty Bank And Trust Company offers?
Borrowers accepted 99% of the loans Guaranty Bank And Trust Company 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 Guaranty Bank And Trust Company make?
The typical home purchase mortgage loan Guaranty Bank And Trust Company made was $275K; across all loan types its typical loan ran from $165K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guaranty Bank And Trust Company lend?
Guaranty Bank And Trust Company decided applications in 11 of the states Fat Boy Data covers, most of them in Mississippi, Tennessee and Florida.
Can I apply to Guaranty Bank And Trust Company directly?
Yes. Guaranty Bank And Trust Company is a bank or credit union with 48 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Guaranty Bank And Trust Company'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 Guaranty Bank And Trust Company treats applications, then get a rate quote from the lender.