Guaranty Bank & Trust, N.A.
Guaranty Bank & Trust, N.A. received 379 applications in 2025 and made 324 mortgages, in 59 counties across 8 states. The median rate its borrowers got was 6.880% on a median loan of $205,000. Of 364 decisions, 24 were denials — 6.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300A2N0IEBKSB5I23 |
|---|---|
| Applications received | 379 |
| Mortgages made | 324 |
| Denied | 24 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 218 | 6.740% | $265,000 | 3.4% |
| Refinancing | 12 | 6.870% | $225,000 | 20.0% |
| Cash-out refinancing | 43 | 7.130% | $155,000 | 6.4% |
| Other purposes | 51 | 7.240% | $85,000 | 15.2% |
Where Guaranty Bank & Trust, N.A. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Titus County, TX | 39 | 6.990% | 6.5% |
| Bowie County, TX | 35 | 7.130% | 2.7% |
| Lamar County, TX | 35 | 6.630% | 2.4% |
| Brazos County, TX | 32 | 6.740% | 5.9% |
| Hopkins County, TX | 17 | 6.990% | 14.3% |
| Morris County, TX | 12 | 7.310% | 14.3% |
| Hunt County, TX | 10 | 6.740% | 9.1% |
| Camp County, TX | 9 | Under 10 loans | 8.3% |
| Denton County, TX | 9 | Under 10 loans | 0.0% |
| Tarrant County, TX | 9 | Under 10 loans | 10.0% |
| Dallas County, TX | 8 | Under 10 loans | 0.0% |
| Gregg County, TX | 8 | Under 10 loans | 0.0% |
| Red River County, TX | 7 | Under 10 loans | 22.2% |
| Travis County, TX | 7 | Under 10 loans | 0.0% |
| Cass County, TX | 6 | Under 10 loans | 0.0% |
| Smith County, TX | 6 | Under 10 loans | 14.3% |
| Delta County, TX | 5 | Under 10 loans | 28.6% |
| Franklin County, TX | 5 | Under 10 loans | 0.0% |
| Harrison County, TX | 5 | Under 10 loans | 0.0% |
| Grimes County, TX | 4 | Under 10 loans | 0.0% |
| Miller County, AR | 3 | Under 10 loans | 25.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Rockwall County, TX | 3 | Under 10 loans | 0.0% |
| Wood County, TX | 3 | Under 10 loans | 0.0% |
| Sevier County, AR | 2 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 2 | Under 10 loans | 0.0% |
| Burleson County, TX | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Fannin County, TX | 2 | Under 10 loans | 0.0% |
| Freestone County, TX | 2 | Under 10 loans | 0.0% |
| Montgomery County, TX | 2 | Under 10 loans | 33.3% |
| Robertson County, TX | 2 | Under 10 loans | 0.0% |
| Rusk County, TX | 2 | Under 10 loans | 0.0% |
| Upshur County, TX | 2 | Under 10 loans | 25.0% |
| Walker County, TX | 2 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Pike County, AR | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Sabine Parish, LA | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Pushmataha County, OK | 1 | Under 10 loans | 0.0% |
| Seminole County, OK | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Clay County, TX | 1 | Under 10 loans | 0.0% |
| Cooke County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 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.