Guaranty Bank has 203 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
Guaranty Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
157 loans · 0.11% above market
Sound
Top 60% of lenders
3/5
FHA
37 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
169 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
Refinance
34 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 157 | 77.3% | +0.108%Above | $780Fees | ||||
FHA Loans | 37 | 18.2% | +0.527%Above | $856Fees |
Conventional
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume157
Mix77.3%
Spread
+0.108%Above
Fees
$780Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume37
Mix18.2%
Spread
+0.527%Above
Fees
$856Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 169 | 83.3% | +0.175%Above | $886Fees | ||||
Refinance | 34 | 16.7% | +0.163%Above | $413Fees |
Purchase
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume169
Mix83.3%
Spread
+0.175%Above
Fees
$886Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume34
Mix16.7%
Spread
+0.163%Above
Fees
$413Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
203
Applications
253
Volume
$55 million
Pricing & Closing
Avg Rate Spread
+0.173%
vs. market APOR
Avg Net Fees
$796
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,256
Avg Borrower Income
$125,089
Avg Property Value
$358,498
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
All statesNone
Midwest2
KSMO
South3
ALARSC
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.