What loan types does Guaranty Bank & Trust offer?

Guaranty Bank & Trust offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Guaranty Bank & Trust offer mortgages?

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

How competitive are Guaranty Bank & Trust's mortgage rates?

Guaranty Bank & Trust has an overall pricing score of 58.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Guaranty Bank & Trust?

Guaranty Bank & Trust is a Bank headquartered in Mount Pleasant, TX.

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Guaranty Bank & Trust

Bank•Mount Pleasant, TXHQ•Direct•Reviews near you on Google

Guaranty Bank & Trust has 208 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Explore another lender or local market

Report Card

Guaranty Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+16.4 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

156 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

FHA

34 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

180 loans · 0.12% above market

Sound

Top 60% of lenders

3/5

Refinance

28 loans · 0.41% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	156	75.0%	+0.162%Above	$887Fees
FHA Loans	Strong	Sound	Exceptional	Sound	34	16.3%	+0.316%Above	$928Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume156

Mix75.0%

Spread

+0.162%Above

Fees

$887Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume34

Mix16.3%

Spread

+0.316%Above

Fees

$928Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	180	86.5%	+0.117%Above	$1,004Fees
Refinance	Acceptable	Acceptable	Acceptable	Acceptable	28	13.5%	+0.407%Above	$877Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume180

Mix86.5%

Spread

+0.117%Above

Fees

$1,004Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume28

Mix13.5%

Spread

+0.407%Above

Fees

$877Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

208

Applications

289

Volume

$61 million

Pricing & Closing

Avg Rate Spread

+0.164%

vs. market APOR

Avg Net Fees

$983

Origination − Credits

Pullthrough Rate

72.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$295,288

Avg Borrower Income

$216,423

Avg Property Value

$440,625

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 200200+None

South3

ARLATX

West1

Top Metro Areas by Place Specialization Score

College Station, TXMetro

Volume 17Mix 8.17% of portfolio

58/100

Sound

Texarkana, TX, TX-ARMetro

Volume 12Mix 5.77% of portfolio

51/100

Sound

Longview, TXMetro

Volume 13Mix 6.25% of portfolio

50/100

Sound

Dallas, TXMetro

Volume 15Mix 7.21% of portfolio

46/100

Sound

Top States by Place Specialization Score

TexasState

Volume 201Mix 96.63% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.