Guaranty Bank and Trust 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
44th5.8% deniedPricingmedian rate spread over APOR, weight 30%
18th1.73 ptsProcesswithdrawn + incomplete share, weight 15%
74th1.6%Closing coststotal loan costs ÷ loan amount, weight 10%
97th0.60% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 162 | 127 | 8.6% | 9.5% | — | $27M |
| 2024 | 163 | 134 | 5.5% | 6.0% | 9.25% | $22M |
| 2025 | 122 | 109 | 5.7% | 5.8% | 7.90% | $19M |
What Guaranty Bank and Trust 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, 15 manufactured homes, 64 investment properties.
Why Guaranty Bank and Trust denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Guaranty Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 19 | 9.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 25 | 22 | 4.0% |
| 55–64 | 22 | 21 | 4.6% |
Where Guaranty Bank and Trust lends
1 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 122 | 109 | 5.7% | 7.90% | #161 |
Frequently asked questions
Guaranty Bank and Trust denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of investment-property lenders.
The most common reason Guaranty Bank and Trust gave in 2025 was "credit history", cited on 57.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Guaranty Bank and Trust originated in 2025 was 7.90%, and its median rate spread over the average prime offer rate was 1.73 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 70% for refinancing (including cash-out), and 7% 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.