Guaranty Bank in Missouri vs the state
3.0%Denial rate-12.06 pts vs state
3.4%Decision denial rate-15.33 pts vs state
86.1%Origination rate+23.41 pts vs state
—Median rate
—Rate spread (pts)
$107kMedian applicant income
315Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 358 | 278 | 4.5% | 7.00% | #98 |
| 2024 | 345 | 291 | 4.4% | 6.63% | #115 |
| 2025 | 366 | 315 | 3.0% | — | #118 |
What Guaranty Bank lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Guaranty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 210 | 185 | 6 | 2.9% |
| Christian County | 58 | 52 | 0 | 0.0% |
| Lawrence County | 20 | 17 | 0 | 0.0% |
| Jasper County | 16 | 12 | 2 | 12.5% |
| Webster County | 9 | 6 | 0 | 0.0% |
| Stone County | 9 | 7 | 0 | 0.0% |
| Polk County | 6 | 5 | 0 | 0.0% |
| Barry County | 6 | 6 | 0 | 0.0% |
| Taney County | 5 | 4 | 0 | 0.0% |
| Newton County | 4 | 3 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 366 applications in 2025, of which 315 were originated and 11 denied.
3.0% of all applications, or 3.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Guaranty Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology