# Guaranty Bank

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


> **📋 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 is a bank, headquartered in Jefferson City, MO, serving borrowers across 5 states, with 203 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007IES1RWVUDDU23
- **Headquarters:** Jefferson City, MO
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, AR, KS, MO, SC
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.173%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $796
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 203
- **Dollar Volume:** $55 million
- **Applications Received:** 253
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,256
- **Average Borrower Income:** $125,089
- **Average Property Value:** $358,498

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 157 | +0.108% | $780 | Sound ☺️ |
| FHA | 61/100 | 37 | +0.527% | $856 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 126 loans, Score: 53/100 (Sound)
- Refinance: 31 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 34 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 169 | $47M | +0.175% | Sound ☺️ |
| Refinance | 50/100 | 34 | $9M | +0.163% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 194 | 0.26% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, MO | MO | 153 | 88/100 |
| Non |  | 31 | 39/100 |

## Where This Lender Ranks

Guaranty Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Springfield, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Springfield, MO Banks
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks)
- 🏆 **#4** in Springfield, MO
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders)
- 🏆 **#4** in Springfield, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Springfield, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Springfield, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#11** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Springfield, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#13** in Springfield, MO for VA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Missouri
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders)
- 🏆 **#19** in Missouri for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/va-loans)
- 🏆 **#20** in Missouri for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Guaranty Bank offer?

Guaranty Bank 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 offer mortgages?

Guaranty Bank offers mortgages in 5 states: AL, AR, KS, MO, SC.

### How competitive are Guaranty Bank's mortgage rates?

Guaranty Bank has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.173% above market average.

### What type of lender is Guaranty Bank?

Guaranty Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jefferson City, MO.

### What is Guaranty Bank's loan approval success rate?

Guaranty Bank has a pull-through score of 74/100 (Strong). 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

### How to Cite

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

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