Guaranty Bank and Trust Company
Guaranty Bank and Trust Company received 122 applications in 2025 and made 109 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 7.900% on a median loan of $105,000. Of 120 decisions, 7 were denials — 5.8%, most often for credit history.
| Legal Entity Identifier | 549300MZ53GGF2499G54 |
|---|---|
| Applications received | 122 |
| Mortgages made | 109 |
| Denied | 7 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.733 points |
| FDIC-insured bank | Yes: Guaranty Bank and Trust Company, 42 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | 7.950% | $125,000 | 12.0% |
| Refinancing | 81 | 7.750% | $105,000 | 2.3% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 22.2% |
Where Guaranty Bank and Trust Company lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pointe Coupee Parish, LA | 35 | 7.750% | 5.3% |
| East Baton Rouge Parish, LA | 30 | 7.950% | 6.1% |
| Iberville Parish, LA | 14 | 7.750% | 0.0% |
| West Baton Rouge Parish, LA | 8 | Under 10 loans | 10.0% |
| Ascension Parish, LA | 5 | Under 10 loans | 0.0% |
| East Feliciana Parish, LA | 4 | Under 10 loans | 20.0% |
| Livingston Parish, LA | 4 | Under 10 loans | 20.0% |
| West Feliciana Parish, LA | 3 | Under 10 loans | 0.0% |
| Avoyelles Parish, LA | 2 | Under 10 loans | 0.0% |
| Jefferson Parish, LA | 1 | Under 10 loans | 0.0% |
| Richland Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Helena Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Landry Parish, LA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.