# Guaranty Bank & Trust, N.A.

> **Canonical URL:** https://saferate.com/lenders/guaranty-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Guaranty Bank & Trust, N.A. is a bank, headquartered in Mount Pleasant, TX, serving borrowers across 4 states, with 208 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300A2N0IEBKSB5I23
- **Headquarters:** Mount Pleasant, TX
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AR, LA, TX, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.164%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $983
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 208
- **Dollar Volume:** $61 million
- **Applications Received:** 289
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,288
- **Average Borrower Income:** $216,423
- **Average Property Value:** $440,625

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 156 | +0.162% | $887 | Sound ☺️ |
| FHA | 54/100 | 34 | +0.316% | $928 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 128 loans, Score: 43/100 (Sound)
- Refinance: 28 loans, Score: 35/100 (Acceptable)

**FHA:**
- Purchase: 34 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 180 | $55M | +0.117% | Sound ☺️ |
| Refinance | 31/100 | 28 | $6M | +0.407% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 201 | 0.06% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 124 | 62/100 |
| College Station | TX | 17 | 58/100 |
| Dallas | TX | 15 | 46/100 |
| Longview, TX | TX | 13 | 50/100 |
| Texarkana, TX | TX-AR | 12 | 51/100 |

## Where This Lender Ranks

Guaranty Bank & Trust, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Texarkana, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Longview, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in College Station for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Texarkana, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Guaranty Bank & Trust, N.A. offer?

Guaranty Bank & Trust, N.A. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Guaranty Bank & Trust, N.A. offer mortgages?

Guaranty Bank & Trust, N.A. offers mortgages in 4 states: AR, LA, TX, WA.

### How competitive are Guaranty Bank & Trust, N.A.'s mortgage rates?

Guaranty Bank & Trust, N.A. has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.164% above market average.

### What type of lender is Guaranty Bank & Trust, N.A.?

Guaranty Bank & Trust, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Mount Pleasant, TX.

### What is Guaranty Bank & Trust, N.A.'s loan approval success rate?

Guaranty Bank & Trust, N.A. has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guaranty-bank-trust

### How to Cite

> "Guaranty Bank & Trust, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guaranty-bank-trust

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