G
Unclaimed

Guaranty Bank & Trust, N.A.

Bank•Mount Pleasant, TX•Direct to Consumer

Guaranty Bank Trust has 208 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional
Place
Sound
Regional · 4 mkts
Safe Rate Awards⭐FHA Superstar

Shopping for a Mortgage?

Save Guaranty Bank Trust or ask our AI assistant to explore your options.

Explore another lender or local market

Report Card

Guaranty Bank & Trust, N.A. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+16.4 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
15675.0%
+0.162%Above
$887Fees
FHA Loans
Strong
Sound
Exceptional
Sound
3416.3%
+0.316%Above
$928Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
Sound
18086.5%
+0.117%Above
$1,004Fees
Refinance
Acceptable
Acceptable
Acceptable
Acceptable
2813.5%
+0.407%Above
$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
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ARLATXWA

Top Metro Areas by Place Specialization Score

1
College Station, TXMSA
Volume: 17Mix: 8.17%of portfolio
Place
Sound
2
Texarkana, TX, TX-ARMSA
Volume: 12Mix: 5.77%of portfolio
Place
Sound
3
Longview, TX, TXMSA
Volume: 13Mix: 6.25%of portfolio
Place
Sound
4
Dallas, TXMSA
Volume: 15Mix: 7.21%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 201Mix: 96.63%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.

Looking for a different lender?

Are you the owner of Guaranty Bank & Trust, N.A.?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.