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Unclaimed

Guaranty Bank & Trust, N.A.

Bank•Mount Pleasant, TX•Direct

Guaranty Bank Trust has 208 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional
Place
Sound
Regional · 4 mkts
Safe Rate Awards⭐FHA Superstar

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Report Card

Guaranty Bank & Trust, N.A. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+16.4 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
15675.0%
+0.162%Above
$887Fees
FHA Loans
Strong
Sound
Exceptional
Sound
3416.3%
+0.316%Above
$928Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
Sound
18086.5%
+0.117%Above
$1,004Fees
Refinance
Acceptable
Acceptable
Acceptable
Acceptable
2813.5%
+0.407%Above
$877Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
208
Applications
289
Volume
$61 million
Pricing & Closing
Avg Rate Spread
+0.164%
vs. market APOR
Avg Net Fees
$983
Origination − Credits
Pullthrough Rate
72.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$295,288
Avg Borrower Income
$216,423
Avg Property Value
$440,625

Geographic Coverage

Geographic Performance

Metro Areas
4
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ARLATXWA

Top Metro Areas by Place Specialization Score

1
College Station, TXMSA
Volume: 17Mix: 8.17%of portfolio
Place
Sound
2
Texarkana, TX, TX-ARMSA
Volume: 12Mix: 5.77%of portfolio
Place
Sound
3
Longview, TX, TXMSA
Volume: 13Mix: 6.25%of portfolio
Place
Sound
4
Dallas, TXMSA
Volume: 15Mix: 7.21%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 201Mix: 96.63%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.