Guaranty Bank & Trust N.a. Mortgage Rates, Fees & InfoMount Pleasant, TX
Tax ID: 75-0308240
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewGuaranty Bank & Trust N.a. is a smaller bank specializing in Home Purchase loans. Guaranty Bank & Trust N.a. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, College Station, Austin, Mount Pleasant, and Houston among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)
Guaranty Bank & Trust N.a. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guaranty Bank & Trust N.a. is typically an average 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.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.62%||11/30/23|
|30 Year Conventional Refi||6.49%||11/30/23|
|30 Year Cash-out Refi||6.95%||11/30/23|
|30 Year FHA Purchase||7.22%||11/30/23|
|30 Year VA Purchase||6.34%||11/30/23|
|30 Year USDA Purchase||6.48%||11/30/23|
|15 Year Conventional Purchase||6.35%||11/30/23|
|15 Year Conventional Refi||6.71%||11/30/23|
|15 Year Cash-out Refi||6.71%||11/30/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Guaranty Bank & Trust N.a. Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Guaranty Bank & Trust N.a.. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$293,600,000
Guaranty Bank & Trust N.A. - 2022
Guaranty Bank & Trust N.A. is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Guaranty Bank & Trust N.a.'s average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.03%.
Relative Fees (Closing Costs)
Guaranty Bank & Trust N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $6,418.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||118||$72,740,000||$616,441||$6,198||5.03%|
|COLLEGE STATION-BRYAN, TX (FHA|USDA|VA)||96||$46,180,000||$481,042||$7,360||5.02%|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||26||$32,170,000||$1,237,308||$12,749||5.00%|
|Mount Pleasant, TX (FHA|USDA|VA)||113||$23,135,000||$204,735||$3,465||5.23%|
|Outside of Metro Areas||100||$21,910,000||$219,100||$4,592||5.10%|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||53||$19,825,000||$374,057||$6,046||4.94%|
|LONGVIEW, TX (FHA|USDA|VA)||61||$19,015,000||$311,721||$5,115||5.16%|
|TEXARKANA, TX-AR (FHA|USDA|VA)||83||$15,655,000||$188,614||$4,167||4.94%|
|Paris, TX (FHA|USDA|VA)||59||$9,695,000||$164,322||$4,758||5.17%|
|Sulphur Springs, TX (FHA|USDA|VA)||47||$9,305,000||$197,979||$4,152||5.35%|
|Granbury, TX (FHA|USDA|VA)||2||$7,610,000||$3,805,000||$5,236||5.81%|
|TYLER, TX (FHA|USDA|VA)||6||$2,830,000||$471,667||$5,631||5.56%|
|WACO, TX (FHA|USDA|VA)||3||$1,785,000||$595,000||$0||4.53%|
|SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)||3||$1,095,000||$365,000||$0||4.74%|
|BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA)||2||$1,070,000||$535,000||$9,975||4.44%|
|Hilo, HI (FHA|USDA|VA)||1||$905,000||$905,000||$0||6.25%|
|Edwards, CO (FHA|USDA|VA)||1||$875,000||$875,000||$5,066||5.13%|
|Oxford, MS (FHA|USDA|VA)||2||$660,000||$330,000||$0||5.50%|
|CORPUS CHRISTI, TX (FHA|USDA|VA)||1||$595,000||$595,000||$10,522||6.25%|
|CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)||1||$595,000||$595,000||$0||4.25%|
|OKLAHOMA CITY, OK (FHA|USDA|VA)||2||$590,000||$295,000||$3,142||6.12%|
|Gainesville, TX (FHA|USDA|VA)||3||$575,000||$191,667||$4,136||4.25%|
|PANAMA CITY, FL (FHA|USDA|VA)||1||$555,000||$555,000||$0||6.50%|
|SHERMAN-DENISON, TX (FHA|USDA|VA)||2||$510,000||$255,000||$0||6.74%|
|Huntsville, TX (FHA|USDA|VA)||2||$480,000||$240,000||$5,199||5.87%|
|LUBBOCK, TX (FHA|USDA|VA)||1||$415,000||$415,000||$0||7.75%|
|Mineral Wells, TX (FHA|USDA|VA)||1||$365,000||$365,000||$0||5.99%|
|ABILENE, TX (FHA|USDA|VA)||5||$345,000||$69,000||$0||4.25%|
|Brenham, TX (FHA|USDA|VA)||2||$320,000||$160,000||$2,152||5.25%|
|KILLEEN-TEMPLE, TX (FHA|USDA|VA)||1||$295,000||$295,000||$3,755||4.25%|
|Lufkin, TX (FHA|USDA|VA)||1||$265,000||$265,000||$5,734||3.25%|
|FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA)||1||$225,000||$225,000||$2,461||5.12%|
|LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA)||1||$205,000||$205,000||$3,180||5.25%|
|MOBILE, AL (FHA|USDA|VA)||1||$185,000||$185,000||$0||6.37%|
|Athens, TX (FHA|USDA|VA)||1||$135,000||$135,000||$0||5.00%|
|Jacksonville, TX (FHA|USDA|VA)||1||$115,000||$115,000||$4,094||3.25%|
|PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)||1||$105,000||$105,000||$0||5.74%|
|HOT SPRINGS, AR (FHA|USDA|VA)||1||$95,000||$95,000||$0||6.74%|
|BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA)||1||$85,000||$85,000||$0||4.25%|
|Ardmore, OK (FHA|USDA|VA)||1||$85,000||$85,000||$0||6.75%|
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 763 originations. Their 2nd most popular type was FHA, with 29 originations.
For 2022, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 572 originations. The 2nd most popular reason was Cash Out Refi, with 111 originations.
For 2022, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 254 originations. The 2nd most popular length was Other, with 170 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Guaranty Bank & Trust N.a.'s average total fees were $6,418, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 196 originations.
During 2022, Guaranty Bank & Trust N.a.'s average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 5-6%, with 264 originations.
2022 saw Guaranty Bank & Trust N.a. place emphasis on $100k-200k loans with 233 originations, totaling $34,635,000 in origination value.
Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $100k-150k range, with 119 originations. The second most popular income band? $250k+, with 111 originations.
Applicant Debt to Income Ratio
Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 132 originations. The next most common DTI ratio? 30-36%, with 98 originations.
Approval RatesTotal approvals of all applications
Guaranty Bank & Trust N.a. has an average approval rate.
Pick RateApprovals leading to origination
Guaranty Bank & Trust N.a. has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|GUARANTEED RATE INC.||Conventional home mortgage||Trouble during payment process||1||50.0%|
|GUARANTEED RATE INC.||FHA mortgage||Trouble during payment process||1||50.0%|