Applications / Mortgage Analytics / Lenders / Texas / Guaranty Bank & Trust
Mount Pleasant, TX · National bank · OCC · $3.1 billion assets · 324 loans in 2025
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324
loans originated, 2025
379
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranty Bank & Trust, a Texas national bank that mostly finances home purchases, made 324 loans in 2025, 27% fewer than a year earlier and far fewer than the 1,184 it made in 2020.
Originations fell 27% while similar lenders (national banks making between half and twice as many loans) grew 5% and the whole market 10%. Its fall was larger than at about nineteen in twenty peers. Its count has dropped every year since 2020. Fewer refinances as its typical rate rose from 3.62% to 6.88% may be one reason.
FHA loans (insured by the Federal Housing Administration) made up 6.8% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 2.5%; most similar lenders made none. Its higher-priced share (a rate well above the average for similar loans) was 3.4%, against 2.1%, which its FHA lending may account for. Its denial rate on first-lien purchase loans, 4.7%, was lower than peers' 6.2%.
Low- and moderate-income (LMI) borrowers took 15.8% of its loans, against 26.0% at peers, a lower share than at about six in seven of them. Jumbo loans (larger than the conforming limit) were 5.1% of its lending, against 2.0%; a lean toward larger loans, or the markets it serves, may explain part of the gap. Majority-minority areas took 16.1%, against 7.0%.
In College Station-Bryan it ranked 25 of 377 with 1.0%, up 0.1 points. In Texarkana it ranked 22 of 198 with 1.3%, down 0.5 points, which in a small market may be a handful of loans. In Longview its share held at 0.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 & Trust took 379 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.3% · Refinance 17.0% · Home improvement 9.6% · Other 6.2%
Conventional 90.7% · FHA 6.8% · VA 2.5% · of 324 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 |
|---|---|---|
| Texas | 308 | 95.1% |
| Arkansas | 8 | 2.5% |
| Louisiana | 3 | 0.9% |
| Oklahoma | 2 | 0.6% |
| Colorado | 1 | 0.3% |
| Mississippi | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 38 |
| College Station-Bryan | 36 |
| Dallas-Plano-Irving | 32 |
| Longview | 17 |
| Fort Worth-Arlington-Grapevine | 10 |
| Austin-Round Rock-San Marcos | 8 |
| Houston-Pasadena-The Woodlands | 8 |
| Tyler | 6 |
| Baton Rouge | 2 |
| Charleston-North Charleston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A2N0IEBKSB5I23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 112163 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31208 | 1998–2011 |
| Respondent ID (the HMDA filer code before 2018) | 125053 | 2012–2017 |
Established 17 January 1913. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Guaranty Bank & Trust's data.
Guaranty Bank & Trust's data
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