Applications / Mortgage Analytics / Lenders / Louisiana / Guaranty Bank and Trust Company
New Roads, LA · State non-member bank · FDIC · $307 million assets · 109 loans in 2025
Guaranty Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
109
loans originated, 2025
122
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranty Bank and Trust Company is a small Louisiana refinance lender whose loans go to poorer and majority-minority neighborhoods far more often than its peers' do.
Some 45.0% of its loans in 2025 went to majority-minority neighborhoods, against 6.1% for similar lenders, which here means state non-member banks making between half and twice as many loans. That is higher than about nine in ten of them. Another 37.6% went to low- and moderate-income neighborhoods, about double the peer figure of 18.3%. Its lending sits in 13 Louisiana counties; its largest markets are Baton Rouge and rural Louisiana.
Refinances made up 74.3% of its loans and purchases only 19.3%. Its typical loan was $105,000, against $175,000 at similar banks, among the lowest tenth. Manufactured homes took 10.1% of its loans, about three times the peer share of 3.2%.
It made 109 loans, down 19% from 134, while similar banks grew 9% and the whole market 10%. Its share of Baton Rouge lending slipped from 0.6% to 0.5%, where it ranks 45 of 369. For a bank of this size a swing of a couple of dozen loans is ordinary: its yearly count has moved between 126 and 161 since 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.3% · Purchase 19.3% · Other 3.7% · Home improvement 2.8%
Conventional 100.0% · of 109 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 |
|---|---|---|
| Louisiana | 109 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 104 |
| Monroe | 1 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MZ53GGF2499G54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 289739 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317767 | 2004–2017 |
Established 29 June 1957. Reported under HMDA 2004-2025.
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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