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Guaranty Bank & Trust Company of Delhi, Louisiana in Louisiana
HMDA record for properties in Louisiana, calendar year 2024. National record · Louisiana 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.
Guaranty Bank & Trust Company of Delhi, Louisiana's 2024 HMDA record for Louisiana covers 296 applications, 257 of them originated, worth $36m.
Its denial rate in the state was 4.6%, below the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 4.6%.
Applications in the state were down 14% on 2023.
Compared with the state and the lender's national record
| Measure | In Louisiana | Louisiana, all lenders | Guaranty Bank & Trust Company of Delhi, Louisiana, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.6% | 30.2% | 4.6% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.0% | — | 15.6% |
| Average originated loan | $142k | $234k | $143k | $329k |
| Home purchase share | 47.1% | 63.7% | 47.3% | 57.0% |
| FHA-insured share | 0.0% | 20.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateLouisiana, all lenders
Loan purpose and loan type in Louisiana
By purpose
Home purchase 47% (121)Home improvement 5% (13)Refinancing 47% (120)Other purpose 1% (3)
By type
Conventional 100% (257)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Louisiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Ouachita Parish | 180 | 160 | $27m | 3.5% |
| Richland Parish | 28 | 24 | $1.8m | 7.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranty Bank & Trust Company of Delhi, Louisiana originate in Louisiana in 2024?
257 loans totalling $36m, from 296 applications reported for properties in Louisiana.
What is Guaranty Bank & Trust Company of Delhi, Louisiana's denial rate in Louisiana?
4.6% of decided applications in Louisiana were denied, against 30.2% for all lenders in the state and 4.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Louisiana counties does Guaranty Bank & Trust Company of Delhi, Louisiana lend in most?
By originations: Ouachita Parish (160), Richland Parish (24).
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 Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.