Guaranty Bank & Trust N.a. Mortgage Rates, Fees & Info
Mount Pleasant, TXLEI: 549300A2N0IEBKSB5I23
Tax ID: 75-0308240
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Mortgage Data
Review & Overview
Guaranty 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Mount Pleasant, College Station, Austin, and Paris among others. We have data for 36 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.80% | 4/22/25 |
| 30 Year Conventional Refi | 6.56% | 4/22/25 |
| 30 Year Cash-out Refi | 6.89% | 4/22/25 |
| 30 Year FHA Purchase | 7.02% | 4/22/25 |
| 30 Year VA Purchase | 6.51% | 4/22/25 |
| 30 Year VA Refi | 6.72% | 4/22/25 |
| 30 Year USDA Purchase | 6.73% | 4/22/25 |
| 15 Year Conventional Purchase | 6.38% | 4/22/25 |
| 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 Estimates
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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.
Originations
445Origination Dollar Volume (All Markets)
$123,015,000Awards
Guaranty Bank & Trust N.A. - 2024
Guaranty Bank & Trust N.A. is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Guaranty Bank & Trust N.a.'s average 30 year fixed mortgage rate was
6.6%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.05%.
Relative Fees (Closing Costs)
Guaranty Bank & Trust N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $6,109.
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 $8,356.
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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 58 | $22,480,000 | $387,586 | $4,663 | 7.64% |
| Mount Pleasant, TX (FHA|USDA|VA) | 87 | $14,215,000 | $163,391 | $3,149 | 7.83% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 37 | $13,195,000 | $356,622 | $5,403 | 7.40% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 11 | $11,665,000 | $1,060,455 | $8,374 | 7.25% |
| Paris, TX (FHA|USDA|VA) | 60 | $11,630,000 | $193,833 | $5,626 | 6.88% |
| Outside of Metro Areas | 50 | $9,470,000 | $189,400 | $4,127 | 7.43% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 46 | $7,470,000 | $162,391 | $3,049 | 7.72% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 21 | $5,475,000 | $260,714 | $3,431 | 7.46% |
| LONGVIEW, TX (FHA|USDA|VA) | 19 | $4,715,000 | $248,158 | $5,829 | 7.05% |
| TYLER, TX (FHA|USDA|VA) | 6 | $4,360,000 | $726,667 | $4,938 | 6.95% |
| Sulphur Springs, TX (FHA|USDA|VA) | 18 | $3,780,000 | $210,000 | $4,076 | 7.72% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,905,000 | $2,905,000 | $0 | 7.72% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 7.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $0 | 7.33% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $0 | 7.72% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $6,729 | 7.24% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $6,598 | 6.88% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $6,408 | 7.37% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,447 | 7.22% |
| WACO, TX (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,408 | 6.45% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 7.83% |
| Durango, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.49% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $7,509 | 7.24% |
| Bay City, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 6.63% |
| Bonham, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.74% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 7.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 8.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,804 | 6.63% |
| Ruston, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.24% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.00% |
| Batesville, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,923 | 6.13% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,146 | 8.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,597 | 9.24% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.12% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,142 | 7.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against Guaranty Bank & Trust N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Guaranty Bank & Trust N.a.'s most frequently originated type of loan was Conventional, with 400 originations. Their 2nd most popular type was FHA, with 34 originations.
Loan Reason
For 2024, Guaranty Bank & Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 310 originations. The 2nd most popular reason was Home Improvement, with 52 originations.
Loan Duration/Length
For 2024, Guaranty Bank & Trust N.a.'s most frequently cited loan duration was 30 Year, with 135 originations. The 2nd most popular length was Other, with 98 originations.
Origination Fees/Closing Costs
Guaranty Bank & Trust N.a.'s average total fees were $6,109, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 132 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 157 | $49,595,000 | $315,892 |
| 7-8% | 149 | $50,335,000 | $337,819 |
| Over 8% | 120 | $19,630,000 | $163,583 |
| 5-6% | 18 | $3,370,000 | $187,222 |
| 4-5% | 1 | $85,000 | $85,000 |
During 2024, Guaranty Bank & Trust N.a.'s average interest rate for loans was 6.60%, while their most frequently originated rate bucket for loans was 6-7%, with 157 originations.
Loan Sizing
2024 saw Guaranty Bank & Trust N.a. place emphasis on $100k-200k loans with 123 originations, totaling $18,095,000 in origination value.
Applicant Income
Guaranty Bank & Trust N.a. lent most frequently to those with incomes in the $100k-150k range, with 76 originations. The second most popular income band? $75k-100k, with 68 originations.
Applicant Debt to Income Ratio
Guaranty Bank & Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 72 originations. The next most common DTI ratio? 30-36%, with 63 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.54%
Guaranty Bank & Trust N.a. has an average approval rate.
Pick Rate
Approvals leading to origination84.04%
Guaranty Bank & Trust N.a. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 400.0 | 37 | $14,025,000 | $379,054 |
| NA | 408 | $108,990,000 | $267,132 |