Guaranty Bank mortgage approval rate & lending review
Guaranty Bank decided 566 mortgage applications and funded 547 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guaranty Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guaranty Bank at a glance
Approval is 12.8 points above the 83.9% 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 | 98% | 324 / 332 | 100% | $235K | 324 |
| Cash-out refinance | 89% | 25 / 28 | 100% | $165K | 25 |
| Refinance | 94% | 44 / 47 | 100% | $265K | 44 |
| Investment property purchase | 99% | 72 / 73 | 100% | $145K | 72 |
| Investment refinance | 100% | 63 / 63 | 100% | $95K | 63 |
Guaranty Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 96% | $235K | 532 | 513 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Greene County, MO | Mortgage lenders | 97% | 292 | 284 |
| Greene County, MO | Investment property purchase | 98% | 59 | 58 |
| Greene County, MO | Investment refinance | 100% | 49 | 49 |
| Greene County, MO | Refinance | 93% | 43 | 40 |
The county markets where Guaranty Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Guaranty Bank
What is Guaranty Bank's mortgage approval rate?
Guaranty Bank approved 96.6% of the 566 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.8 points above the 83.9% national rate for the same mix of loan types.
How often do borrowers take the loan Guaranty Bank offers?
Borrowers accepted 100% of the loans 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 Guaranty Bank make?
The typical home purchase mortgage loan Guaranty Bank made was $235K; across all loan types its typical loan ran from $95K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guaranty Bank lend?
Guaranty Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Missouri, Arkansas and Kansas.
Can I apply to Guaranty Bank directly?
Yes. Guaranty Bank is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 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 Guaranty Bank treats applications, then get a rate quote from the lender.