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 A 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%
80th3.5% deniedProcesswithdrawn + incomplete share, weight 15%
53rd11.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 377 | 295 | 4.2% | 5.1% | 7.00% | $71M |
| 2024 | 368 | 311 | 4.1% | 4.6% | 6.63% | $119M |
| 2025 | 381 | 327 | 3.2% | 3.5% | — | $108M |
What 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, 3 manufactured homes, 95 investment properties.
Who gets approved at 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 | 30 | 24 | 11.1% |
| $50k – $100k | 108 | 86 | 7.5% |
| $100k – $150k | 71 | 59 | 1.7% |
| $150k – $250k | 38 | 32 | 0.0% |
| Over $250k | 47 | 41 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 21 | 12.5% |
| 25–34 | 90 | 80 | 2.4% |
| 35–44 | 79 | 68 | 1.5% |
| 45–54 | 56 | 45 | 2.2% |
| 55–64 | 35 | 24 | 17.2% |
| 65–74 | 29 | 26 | 0.0% |
Where Guaranty Bank lends
8 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 366 | 315 | 3.0% | — | #118 |
Frequently asked questions
Guaranty Bank denied 3.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
In 2025, 69% of its applications were for home purchases, 28% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 82% conventional, 15% FHA, 2% 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.