Guaranty Bank & Trust in Texas vs the state
6.4%Denial rate-13.06 pts vs state
6.6%Decision denial rate-18.27 pts vs state
85.3%Origination rate+30.44 pts vs state
6.88%Median rate+0.38 pts vs state
0.11Rate spread (pts)-0.09 pts vs state
$122kMedian applicant income
308Loans originated
23Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 605 | 465 | 10.1% | 7.87% | #229 |
| 2024 | 540 | 421 | 9.4% | 7.50% | #243 |
| 2025 | 361 | 308 | 6.4% | 6.88% | #314 |
What Guaranty Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Guaranty Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Titus County | 48 | 39 | 3 | 6.3% |
| Lamar County | 43 | 35 | 1 | 2.3% |
| Bowie County | 38 | 35 | 1 | 2.6% |
| Brazos County | 35 | 32 | 2 | 5.7% |
| Hopkins County | 24 | 17 | 3 | 12.5% |
| Hunt County | 14 | 10 | 1 | 7.1% |
| Morris County | 14 | 12 | 2 | 14.3% |
| Camp County | 12 | 9 | 1 | 8.3% |
| Tarrant County | 10 | 9 | 1 | 10.0% |
| Red River County | 9 | 7 | 2 | 22.2% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 361 applications in 2025, of which 308 were originated and 23 denied.
6.4% of all applications, or 6.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Guaranty Bank & Trust originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Guaranty Bank & Trust's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology