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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.

Safe Rate 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
Safe Rate Awards
FHA Superstar
FHA
Superstar

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Report Card

Guaranty Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

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

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
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
ARLATX
West1
WA

Top Metro Areas by Place Specialization Score

1© 归零者 · CC BY-SA 4.0
College Station, TXMetro
Volume 17Mix 8.17% of portfolio
58/100
Sound
2© No machine-readable author provided. Billy Hathorn assumed · CC BY-SA 3.0
Texarkana, TX, TX-ARMetro
Volume 12Mix 5.77% of portfolio
51/100
Sound
3© Billy Hathorn · CC BY-SA 3.0
Longview, TXMetro
Volume 13Mix 6.25% of portfolio
50/100
Sound
4© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 15Mix 7.21% of portfolio
46/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 201Mix 96.63% of portfolio
71/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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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.