Guaranty Bank and Trust in Arkansas vs the state
30.0%Denial rate+11.81 pts vs state
33.3%Decision denial rate+10.20 pts vs state
60.0%Origination rate+3.17 pts vs state
6.65%Median rate+0.03 pts vs state
0.49Rate spread (pts)+0.15 pts vs state
$198kMedian applicant income
6Loans originated
3Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 16.7% | — | #369 |
| 2024 | 5 | 4 | 20.0% | — | #424 |
| 2025 | 10 | 6 | 30.0% | 6.65% | #336 |
What Guaranty Bank and Trust lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Guaranty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chicot County | 3 | 2 | 1 | 33.3% |
| White County | 2 | 1 | 1 | 50.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Crittenden County | 1 | 0 | 1 | 100.0% |
| Sharp County | 1 | 0 | 0 | 0.0% |
| Izard County | 1 | 1 | 0 | 0.0% |
| Cleburne County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 10 applications in 2025, of which 6 were originated and 3 denied.
30.0% of all applications, or 33.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Guaranty Bank and Trust originated in Arkansas in 2025 was 6.65%, against a statewide median of 6.63%.
About this data. Figures are Guaranty Bank and Trust's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology