First Guaranty Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
35th13.4% deniedProcesswithdrawn + incomplete share, weight 15%
44th12.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 568 | 412 | 7.8% | 8.7% | — | $100M |
| 2024 | 471 | 311 | 13.2% | 14.8% | — | $72M |
| 2025 | 249 | 172 | 11.7% | 13.4% | — | $41M |
What First Guaranty Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 40 investment properties.
Who gets approved at First Guaranty Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 21 | 28.1% |
| $50k – $100k | 61 | 43 | 16.7% |
| $100k – $150k | 31 | 27 | 10.0% |
| $150k – $250k | 52 | 38 | 4.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 33 | 5.4% |
| 35–44 | 36 | 24 | 23.5% |
| 45–54 | 49 | 34 | 11.9% |
| 55–64 | 36 | 22 | 17.2% |
| 65–74 | 21 | 17 | 19.1% |
Where First Guaranty Bank lends
8 states and 49 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 183 | 127 | 10.4% | — | #129 |
| Kentucky | 25 | 18 | 24.0% | — | #327 |
| Texas | 22 | 12 | 18.2% | — | #852 |
| West Virginia | 14 | 10 | 0.0% | — | #220 |
Frequently asked questions
First Guaranty Bank denied 13.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
In 2025, 58% of its applications were for home purchases, 39% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.