Guaranty Bank And Trust Company Mortgage Rates, Fees & Info

New Roads, LA

LEI: 549300MZ53GGF2499G54

Tax ID: 72-0493576

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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 Company is a smaller bank specializing in Refi and Home Purchase loans. Guaranty Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, Hammond, and Opelousas among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Guaranty Bank And Trust Company 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.

    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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    127

    Origination Dollar Volume (All Markets)

    $27,495,000

    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
    BATON ROUGE, LA (FHA|USDA|VA) 125 $27,075,000 $216,600 $0 0.00%
    HAMMOND, LA (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
    Opelousas, LA (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
    Guaranty Bank And Trust Company's top markets include Baton Rouge, Hammond, and Opelousas among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 127 $27,495,000 $216,496 $0 0.00%

    For 2023, Guaranty Bank And Trust Company's most frequently originated type of loan was Conventional, with 127 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 65 $14,195,000 $218,385 $0 0.00%
    Home Purchase 48 $12,550,000 $261,458 $0 0.00%
    Home Improvement 8 $370,000 $46,250 $0 0.00%
    Other 6 $380,000 $63,333 $0 0.00%

    For 2023, Guaranty Bank And Trust Company's most frequently cited loan purpose was Refi, with 65 originations. The 2nd most popular reason was Home Purchase, with 48 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 127 $27,495,000 $216,496 $0 0.00%

    For 2023, Guaranty Bank And Trust Company's most frequently cited loan duration was Other, with 127 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 54 $2,910,000 $53,889 $0 0.00%
    $100k-200k 31 $4,555,000 $146,935 $0 0.00%
    $200k-400k 22 $6,600,000 $300,000 $0 0.00%
    $400k-600k 11 $5,125,000 $465,909 $0 0.00%
    $600k-1MM 7 $4,605,000 $657,857 $0 0.00%
    $1MM+ 2 $3,700,000 $1,850,000 $0 0.00%

    2023 saw Guaranty Bank And Trust Company place emphasis on $100,000 or less loans with 54 originations, totaling $2,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 22 $5,600,000 $254,545 $0 0.00%
    $50k-75k 17 $1,945,000 $114,412 $0 0.00%
    $50k or less 17 $1,565,000 $92,059 $0 0.00%
    $75k-100k 17 $3,315,000 $195,000 $0 0.00%
    $100k-150k 16 $3,610,000 $225,625 $0 0.00%
    $250k+ 10 $3,310,000 $331,000 $0 0.00%

    Guaranty Bank And Trust Company lent most frequently to those with incomes in the $150k-250k range, with 22 originations. The second most popular income band? $50k-75k, with 17 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 127 $27,495,000 $216,496 $0 0.00%

    Guaranty Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 127 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Black 41 $9,895,000 $241,341 $0 0.00%
    White 59 $9,645,000 $163,475 $0 0.00%
    Not applicable 27 $7,955,000 $294,630 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.36%

    Guaranty Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.46%

    Guaranty Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 127 $27,495,000 $216,496

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    127 $27,495,000 $216,496