Guaranty Bank and Trust in Alabama vs the state
25.0%Denial rate+5.15 pts vs state
27.3%Decision denial rate+2.27 pts vs state
66.7%Origination rate+11.28 pts vs state
6.56%Median rate+0.06 pts vs state
-0.06Rate spread (pts)-0.35 pts vs state
$203kMedian applicant income
8Loans originated
3Denied
What Guaranty Bank and Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Guaranty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 3 | 2 | 0 | 0.0% |
| Colbert County | 2 | 1 | 1 | 50.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Blount County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Tallapoosa County | 1 | 1 | 0 | 0.0% |
| Coffee County | 1 | 0 | 1 | 100.0% |
| Winston County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 12 applications in 2025, of which 8 were originated and 3 denied.
25.0% of all applications, or 27.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Guaranty Bank and Trust originated in Alabama in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are Guaranty Bank and Trust's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology