Guaranty Bank And Trust Company Mortgage Rates, Fees & Info
Belzoni, MSLEI: 5493007B7MEWKMDWUZ73
Tax ID: 64-0166511
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Mortgage Data
Review & Overview
Guaranty Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Guaranty Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Memphis, Oxford, Tupelo, Miami, and Gulfport among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)Guaranty Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
736Origination Dollar Volume (All Markets)
$198,840,000Top 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 |
|---|---|---|---|---|---|
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 149 | $40,885,000 | $274,396 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 42 | $29,360,000 | $699,048 | $0 | 0.00% |
| Outside of Metro Areas | 177 | $28,755,000 | $162,458 | $0 | 0.00% |
| Tupelo, MS (FHA|USDA|VA) | 108 | $24,570,000 | $227,500 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $16,950,000 | $4,237,500 | $0 | 0.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $8,935,000 | $2,978,333 | $0 | 0.00% |
| Vicksburg, MS (FHA|USDA|VA) | 13 | $8,085,000 | $621,923 | $0 | 0.00% |
| Greenville, MS (FHA|USDA|VA) | 69 | $8,085,000 | $117,174 | $0 | 0.00% |
| JACKSON, MS (FHA|USDA|VA) | 31 | $6,955,000 | $224,355 | $0 | 0.00% |
| Grenada, MS (FHA|USDA|VA) | 33 | $4,865,000 | $147,424 | $0 | 0.00% |
| Greenwood, MS (FHA|USDA|VA) | 21 | $3,225,000 | $153,571 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,950,000 | $1,475,000 | $0 | 0.00% |
| Cleveland, MS (FHA|USDA|VA) | 20 | $2,550,000 | $127,500 | $0 | 0.00% |
| Starkville, MS (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $0 | 0.00% |
| Corinth, MS (FHA|USDA|VA) | 19 | $2,175,000 | $114,474 | $0 | 0.00% |
| McComb, MS (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $0 | 0.00% |
| Indianola, MS (FHA|USDA|VA) | 18 | $1,370,000 | $76,111 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| Meridian, MS (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| Columbus, MS (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| Clarksdale, MS (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 0.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Helena, MT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
For 2024, Guaranty Bank And Trust Company's most frequently originated type of loan was Conventional, with 650 originations. Their 2nd most popular type was FHA, with 65 originations.
Loan Reason
For 2024, Guaranty Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 530 originations. The 2nd most popular reason was Refi, with 147 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 736 | $198,840,000 | $270,163 | $0 | 0.00% |
For 2024, Guaranty Bank And Trust Company's most frequently cited loan duration was Other, with 736 originations.
Loan Sizing
2024 saw Guaranty Bank And Trust Company place emphasis on $100,000 or less loans with 238 originations, totaling $12,280,000 in origination value.
Applicant Income
Guaranty Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 130 originations. The second most popular income band? $100k-150k, with 122 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 736 | $198,840,000 | $270,163 | $0 | 0.00% |
Guaranty Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 736 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.70%
Guaranty Bank And Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination82.07%
Guaranty Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 736 | $198,840,000 | $270,163 |