Guaranty Bank and Trust in Louisiana vs the state
5.7%Denial rate-16.43 pts vs state
5.8%Decision denial rate-22.32 pts vs state
89.3%Origination rate+37.37 pts vs state
7.90%Median rate+1.28 pts vs state
1.73Rate spread (pts)+1.37 pts vs state
$105kMedian applicant income
109Loans originated
7Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 127 | 8.7% | — | #129 |
| 2024 | 163 | 134 | 5.5% | 9.25% | #121 |
| 2025 | 122 | 109 | 5.7% | 7.90% | #161 |
What Guaranty Bank and Trust lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Guaranty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pointe Coupee Parish | 39 | 35 | 2 | 5.1% |
| East Baton Rouge Parish | 34 | 30 | 2 | 5.9% |
| Iberville Parish | 14 | 14 | 0 | 0.0% |
| West Baton Rouge Parish | 10 | 8 | 1 | 10.0% |
| East Feliciana Parish | 5 | 4 | 1 | 20.0% |
| Livingston Parish | 5 | 4 | 1 | 20.0% |
| Ascension Parish | 5 | 5 | 0 | 0.0% |
| West Feliciana Parish | 3 | 3 | 0 | 0.0% |
| Avoyelles Parish | 2 | 2 | 0 | 0.0% |
| St. Landry Parish | 2 | 1 | 0 | 0.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 122 applications in 2025, of which 109 were originated and 7 denied.
5.7% of all applications, or 5.8% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Guaranty Bank and Trust originated in Louisiana in 2025 was 7.90%, against a statewide median of 6.63%.
About this data. Figures are Guaranty Bank and Trust's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology