Lenders › Guaranty Bank & Trust Company › Mississippi
Guaranty Bank & Trust Company in Mississippi
HMDA record for properties in Mississippi, calendar year 2024. National record · Mississippi overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Mississippi, Guaranty Bank & Trust Company reported 943 applications and 668 originations for 2024, $155m in all.
Its denial rate in the state was 19.0%, below the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 18.6%.
Applications in the state were up 74% on 2023.
Compared with the state and the lender's national record
| Measure | In Mississippi | Mississippi, all lenders | Guaranty Bank & Trust Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 19.0% | 30.2% | 18.6% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 18.2% | — | 15.6% |
| Average originated loan | $233k | $189k | $270k | $329k |
| Home purchase share | 70.2% | 57.7% | 72.0% | 57.0% |
| FHA-insured share | 9.3% | 18.3% | 8.8% | 13.4% |
| VA-guaranteed share | 1.0% | 10.3% | 1.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMississippi, all lenders
Loan purpose and loan type in Mississippi
By purpose
Home purchase 70% (469)Home improvement 6% (39)Refinancing 21% (143)Cash-out refinancing 1% (10)Other purpose 1% (7)
By type
Conventional 88% (585)FHA 9% (62)VA 1% (7)USDA 2% (14)
Denial reasons as coded
Share of 157 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).
Counties in Mississippi
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Tishomingo County | 92 | 74 | $9.7m | 12.8% |
| Washington County | 106 | 69 | $8.1m | 28.1% |
| DeSoto County | 80 | 61 | $16m | 3.2% |
| Lee County | 71 | 57 | $17m | 13.6% |
| Lafayette County | 47 | 42 | $29m | 4.5% |
| Panola County | 53 | 37 | $5.2m | 17.8% |
| Tate County | 45 | 34 | $8.8m | 8.1% |
| Grenada County | 45 | 33 | $4.9m | 10.8% |
| Itawamba County | 49 | 29 | $4.4m | 27.5% |
| Bolivar County | 26 | 20 | $2.5m | 19.2% |
| Humphreys County | 39 | 19 | $2.1m | 42.4% |
| Alcorn County | 27 | 19 | $2.2m | 26.9% |
| Prentiss County | 32 | 16 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranty Bank & Trust Company originate in Mississippi in 2024?
668 loans totalling $155m, from 943 applications reported for properties in Mississippi.
What is Guaranty Bank & Trust Company's denial rate in Mississippi?
19.0% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 18.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Mississippi counties does Guaranty Bank & Trust Company lend in most?
By originations: Tishomingo County (74), Washington County (69), DeSoto County (61), Lee County (57), Lafayette County (42).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Mississippi. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.