Guaranty Bank & Trust, N.A. mortgage approval rate & lending review
Guaranty Bank & Trust, N.A. decided 449 mortgage applications and funded 402 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guaranty Bank & Trust, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guaranty Bank & Trust, N.A. at a glance
Approval is 9.2 points above the 83.4% 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 | 91% | 171 / 188 | 99% | $365K | 169 |
| Home improvement loans | 82% | 23 / 28 | 100% | $95K | 23 |
| Investment property purchase | 98% | 165 / 168 | 94% | $315K | 155 |
Guaranty Bank & Trust, N.A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 92% | $315K | 422 | 376 |
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 & Trust, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brazos County, TX | Mortgage lenders | 92% | 51 | 47 |
| Brazos County, TX | Investment property purchase | 98% | 49 | 45 |
| Hunt County, TX | Mortgage lenders | 81% | 26 | 21 |
The county markets where Guaranty Bank & Trust, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about Guaranty Bank & Trust, N.A.
What is Guaranty Bank & Trust, N.A.'s mortgage approval rate?
Guaranty Bank & Trust, N.A. approved 92.7% of the 449 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 83.4% national rate for the same mix of loan types.
How often do borrowers take the loan Guaranty Bank & Trust, N.A. offers?
Borrowers accepted 97% of the loans Guaranty Bank & Trust, N.A. 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 & Trust, N.A. make?
The typical home purchase mortgage loan Guaranty Bank & Trust, N.A. made was $365K; across all loan types its typical loan ran from $95K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guaranty Bank & Trust, N.A. lend?
Guaranty Bank & Trust, N.A. decided applications in 14 of the states Fat Boy Data covers, most of them in Texas, Arkansas and Louisiana.
Can I apply to Guaranty Bank & Trust, N.A. directly?
Yes. Guaranty Bank & Trust, N.A. reports as a direct lender that takes applications from borrowers.
Does this page show Guaranty Bank & Trust, N.A.'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 & Trust, N.A. treats applications, then get a rate quote from the lender.