Guaranty Bank and Trust in Mississippi vs the state
16.2%Denial rate-6.69 pts vs state
18.6%Decision denial rate-9.85 pts vs state
70.2%Origination rate+17.33 pts vs state
7.13%Median rate+0.38 pts vs state
0.54Rate spread (pts)+0.21 pts vs state
$81kMedian applicant income
973Loans originated
225Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 323 | 25.8% | — | #39 |
| 2024 | 943 | 668 | 16.7% | — | #24 |
| 2025 | 1,386 | 973 | 16.2% | 7.13% | #17 |
What Guaranty Bank and Trust lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Guaranty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lafayette County | 131 | 104 | 7 | 5.3% |
| DeSoto County | 130 | 96 | 10 | 7.7% |
| Lee County | 105 | 83 | 11 | 10.5% |
| Tishomingo County | 103 | 69 | 24 | 23.3% |
| Washington County | 101 | 65 | 25 | 24.8% |
| Alcorn County | 82 | 57 | 14 | 17.1% |
| Itawamba County | 65 | 46 | 10 | 15.4% |
| Prentiss County | 61 | 35 | 18 | 29.5% |
| Panola County | 58 | 41 | 8 | 13.8% |
| Tate County | 56 | 40 | 5 | 8.9% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 6,764 | 48.5% | 10.56% |
| Trustmark National Bank | C | 5,531 | 12.5% | 6.75% |
| Cadence Bank | B | 5,301 | 19.2% | 7.25% |
| Regions Bank | C | 4,916 | 44.7% | 5.75% |
| Rocket Mortgage | C | 4,636 | 24.8% | 6.63% |
| Community Bank of Mississippi | C | 3,856 | 9.0% | 7.65% |
| Renasant Bank | B | 3,188 | 14.3% | 6.99% |
| Triad Financial Services | D | 3,140 | 34.4% | 8.76% |
| Vanderbilt Mortgage and Finance | F | 2,840 | 44.3% | 10.25% |
| BankPlus | B | 2,638 | 10.7% | 6.50% |
Frequently asked questions
Mississippi: 1,386 applications in 2025, of which 973 were originated and 225 denied.
16.2% of all applications, or 18.6% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Guaranty Bank and Trust originated in Mississippi in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Guaranty Bank and Trust's own HMDA filing for properties located in Mississippi, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology