Guaranty Bank And Trust Co Mortgage Rates, Fees & Info

Denver, CO

LEI: 5493004XDYR0YX20D907

Tax ID: 84-0446144

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Guaranty Bank And Trust Co is a smaller bank specializing in Refi and Home Purchase loans. Guaranty Bank And Trust Co has a high proportion of conventional loans. Their top markets by origination volume include: Denver, Fort Collins, Boulder, Greeley, and Provo among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty Bank And Trust Co has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Guaranty Bank And Trust Co is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    471

    Origination Dollar Volume (All Markets)

    $172,795,000
    Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 153 $49,085,000 $320,817 $2,484 5.31%
    FORT COLLINS, CO (FHA|USDA|VA) 169 $43,645,000 $258,254 $2,184 5.53%
    BOULDER, CO (FHA|USDA|VA) 74 $39,010,000 $527,162 $3,570 4.86%
    GREELEY, CO (FHA|USDA|VA) 57 $16,025,000 $281,140 $2,710 5.45%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $9,275,000 $9,275,000 $0 5.14%
    BILLINGS, MT (FHA|USDA|VA) 1 $2,885,000 $2,885,000 $0 4.95%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $2,875,000 $2,875,000 $0 4.75%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $2,070,000 $1,035,000 $0 4.75%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $1,970,000 $985,000 $3,045 4.31%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $0 4.87%
    Breckenridge, CO (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,142 4.00%
    Outside of Metro Areas 2 $930,000 $465,000 $0 4.95%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $845,000 $845,000 $0 4.95%
    Plymouth, IN (FHA|USDA|VA) 1 $815,000 $815,000 $0 4.75%
    MANHATTAN, KS (FHA|USDA|VA) 1 $715,000 $715,000 $0 4.85%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $495,000 $165,000 $0 5.75%
    Edwards, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Guaranty Bank And Trust Co's top markets include Denver, Fort Collins, Boulder, Greeley, and Provo among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Guaranty Bank and Trust Co based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    DENVER COMMUNITY
    Similarity Rank: 548
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 614
    Guaranty Bank and Trust Co
    Similarity Rank: 833
    First American State Bank
    Similarity Rank: 985
    Aurora Financial, LLC
    Similarity Rank: 1080
    Credit Union Lending Source
    Similarity Rank: 1148
    Calatlantic Morgage Inc.
    Similarity Rank: 1404
    ROCKY MOUNTAIN LAW ENFORCEMENT FCU
    Similarity Rank: 1470
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1927
    Elevations Credit Union
    Similarity Rank: 2304

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 309 $38,135,000 $123,414 n/a 5.64%
    Conventional 162 $134,660,000 $831,235 $2,896 4.71%

    For 2018, Guaranty Bank And Trust Co's most frequently originated type of loan was HELOC, with 309 originations. Their 2nd most popular type was Conventional, with 162 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 127 $49,255,000 $387,835 $3,192 5.11%
    Home Improvement 120 $19,660,000 $163,833 $349 5.64%
    Other 117 $15,415,000 $131,752 $1,234 5.59%
    Home Purchase 107 $88,465,000 $826,776 $3,435 4.92%

    For 2018, Guaranty Bank And Trust Co's most frequently cited loan purpose was Refi, with 127 originations. The 2nd most popular reason was Home Improvement, with 120 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 327 $90,705,000 $277,385 $0 5.59%
    30 Year 72 $47,470,000 $659,306 $3,356 4.19%
    Other 41 $22,785,000 $555,732 $460 5.24%
    5 Year 17 $4,335,000 $255,000 $218 5.21%
    1 Year 7 $1,755,000 $250,714 $1,861 6.11%
    15 Year 6 $5,310,000 $885,000 $5,852 4.23%
    3 Year 1 $435,000 $435,000 $0 4.99%

    For 2018, Guaranty Bank And Trust Co's most frequently cited loan duration was 10 Year, with 327 originations. The 2nd most popular length was 30 Year, with 72 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 93 $50,475,000 $542,742
    $5k+ 5 $3,665,000 $733,000
    $1k-2k 3 $865,000 $288,333

    Guaranty Bank And Trust Co's average total fees were $3,356, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 93 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 289 $63,095,000 $218,322
    4-5% 99 $65,125,000 $657,828
    6-7% 57 $5,315,000 $93,246
    3-4% 25 $33,955,000 $1,358,200

    During 2018, Guaranty Bank And Trust Co's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 5-6%, with 289 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 191 $8,805,000 $46,099 $224 5.69%
    $100k-200k 91 $12,135,000 $133,352 $1,073 5.53%
    $200k-400k 61 $15,705,000 $257,459 $2,324 5.47%
    $400k-600k 54 $27,400,000 $507,407 $3,266 4.63%
    $600k-1MM 49 $35,175,000 $717,857 $3,366 4.43%
    $1MM+ 25 $73,575,000 $2,943,000 $5,870 4.62%

    2018 saw Guaranty Bank And Trust Co place emphasis on $100,000 or less loans with 191 originations, totaling $8,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 95 $14,505,000 $152,684 $2,559 5.46%
    $150k-250k 95 $32,315,000 $340,158 $3,147 5.05%
    $250k+ 66 $40,370,000 $611,667 $3,660 4.81%
    $75k-100k 60 $5,140,000 $85,667 $324 5.70%
    $50k-75k 53 $4,325,000 $81,604 $1,148 5.70%
    $50k or less 42 $2,590,000 $61,667 $220 5.72%

    Guaranty Bank And Trust Co lent most frequently to those with incomes in the $100k-150k range, with 95 originations. The second most popular income band? $150k-250k, with 95 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 111 $24,445,000 $220,225 $2,823 5.31%
    30-36% 94 $18,190,000 $193,511 $2,185 5.38%
    <20% 72 $16,100,000 $223,611 $3,196 5.37%
    39% 40 $7,710,000 $192,750 $5,476 5.64%
    36% 22 $7,340,000 $333,636 $2,952 5.10%
    38% 20 $4,210,000 $210,500 $2,947 5.45%
    37% 20 $4,850,000 $242,500 $2,037 5.29%
    40% 11 $3,525,000 $320,455 $4,521 5.23%
    >60% 7 $7,695,000 $1,099,286 $3,318 5.13%
    42% 4 $1,580,000 $395,000 $1,920 4.81%
    50-60% 4 $1,260,000 $315,000 $0 5.75%
    41% 2 $1,150,000 $575,000 $2,967 5.00%
    43% 2 $650,000 $325,000 $2,998 4.75%
    46% 1 $35,000 $35,000 $212 5.00%

    Guaranty Bank And Trust Co lent most frequently to those with DTI ratios of 20-30%, with 111 originations. The next most common DTI ratio? 30-36%, with 94 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 362 $87,710,000 $242,293 $2,878 5.36%
    Not applicable 56 $72,020,000 $1,286,071 $0 5.08%
    Not provided 50 $12,970,000 $259,400 $3,037 5.33%
    Black 2 $50,000 $25,000 $0 5.37%
    Asian 1 $45,000 $45,000 $0 4.99%

    Approval Rates

    Total approvals of all applications
    74.61%

    Guaranty Bank And Trust Co has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    90.66%

    Guaranty Bank And Trust Co has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 471 $172,795,000 $366,868

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 8 $19,480,000 $2,435,000
    Multifamily:Site-Built 16 $49,190,000 $3,074,375
    Single Family (1-4 Units):Site-Built 447 $104,125,000 $232,942

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 96 $15,630,000 $162,813 $1,762 5.59%
    40-60% 70 $46,250,000 $660,714 $4,770 5.09%
    60-80% 88 $84,050,000 $955,114 $3,219 4.75%
    80-100% 27 $14,285,000 $529,074 $3,175 4.60%
    Over 100% 1 $1,205,000 $1,205,000 $0 5.25%
    Under 20% 189 $11,375,000 $60,185 $423 5.63%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    GUARANTEED HOME MORTGAGE COMPANY Other type of mortgage Trouble during payment process 1 100.0%