Applications / Mortgage Analytics / Lenders / Mississippi / Guaranty Bank and Trust Company
Belzoni, MS · State non-member bank · FDIC · $2.9 billion assets · 1,045 loans in 2025
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1,045
loans originated, 2025
1,482
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranty Bank and Trust Company is a Mississippi bank whose originations rose 42% in 2025, faster than about nine in ten similar lenders, and it ranked 6 of 438 lenders in non-metro Mississippi.
It made 1,045 loans in 2025, against 736 the year before and 541 five years before. Growth of 42% compares with 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Purchase loans were 72.6% of its lending in 2025.
FHA loans (insured by the Federal Housing Administration) were 7.9% of its originations, against 0.7% at similar lenders, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.2%, against 0.1%. Five years before, every loan was conventional.
Its largest market is non-metro Mississippi, where it ranked 6 of 438, behind Renasant Bank, Cadence Bank, BankPlus, Rocket Mortgage and Trustmark Bank. Its share in Memphis rose. In 2025 it first lent in non-metro Missouri, Ann Arbor and Augusta, and it now lends in 11 states.
Majority-minority areas took 23.8% of its loans, higher than about five in six similar lenders (7.0%), though down from 32.7% the year before; the Mississippi markets it serves are one possible reason for the high share, and its new markets for the fall. LMI (low- and moderate-income) borrowers took 23.6%, against 26.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guaranty Bank and Trust Company took 1,482 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.6% · Refinance 20.8% · Home improvement 4.5% · Other 2.1%
Conventional 89.4% · FHA 7.9% · VA 1.4% · USDA (RHS or FSA) 1.2% · of 1,045 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Mississippi | 973 | 93.1% |
| Tennessee | 45 | 4.3% |
| Alabama | 8 | 0.8% |
| Arkansas | 6 | 0.6% |
| Florida | 4 | 0.4% |
| Louisiana | 3 | 0.3% |
| Texas | 2 | 0.2% |
| Georgia | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Michigan | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 178 |
| Jackson | 23 |
| Dallas-Plano-Irving | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Tuscaloosa | 2 |
| Ann Arbor | 1 |
| Augusta-Richmond County | 1 |
| Birmingham | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007B7MEWKMDWUZ73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 84541 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315953 | 2007–2017 |
Established 17 May 1943. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Guaranty Bank and Trust Company's data.
Guaranty Bank and Trust Company's data
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Guaranty Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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