Guaranty Bank and Trust in Tennessee vs the state
10.3%Denial rate-6.80 pts vs state
11.8%Decision denial rate-9.92 pts vs state
77.6%Origination rate+19.51 pts vs state
6.88%Median rate+0.25 pts vs state
0.49Rate spread (pts)+0.26 pts vs state
$124kMedian applicant income
45Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 45 | 6.6% | — | #365 |
| 2024 | 70 | 49 | 11.4% | — | #347 |
| 2025 | 58 | 45 | 10.3% | 6.88% | #394 |
What Guaranty Bank and Trust lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Guaranty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 40 | 31 | 5 | 12.5% |
| McNairy County | 5 | 5 | 0 | 0.0% |
| Hardin County | 3 | 2 | 0 | 0.0% |
| Davidson County | 2 | 2 | 0 | 0.0% |
| Lauderdale County | 2 | 1 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Sevier County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Chester County | 1 | 0 | 1 | 100.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 58 applications in 2025, of which 45 were originated and 6 denied.
10.3% of all applications, or 11.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Guaranty Bank and Trust originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Guaranty Bank and Trust's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology