Guaranty Bank
Guaranty Bank received 381 applications in 2025 and made 327 mortgages, in 39 counties across 10 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 339 decisions, 12 were denials — 3.5%.
| Legal Entity Identifier | 5493007IES1RWVUDDU23 |
|---|---|
| Applications received | 381 |
| Mortgages made | 327 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Guaranty Bank Inc., 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 223 | Not published | $235,000 | 1.8% |
| Refinancing | 71 | Not published | $205,000 | 1.4% |
| Cash-out refinancing | 27 | Not published | $205,000 | 6.9% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 45.5% |
Where Guaranty Bank lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, MO | 185 | Not published | 3.1% |
| Christian County, MO | 52 | Not published | 0.0% |
| Lawrence County, MO | 17 | Not published | 0.0% |
| Jasper County, MO | 12 | Not published | 14.3% |
| Stone County, MO | 7 | Under 10 loans | 0.0% |
| Barry County, MO | 6 | Under 10 loans | 0.0% |
| Webster County, MO | 6 | Under 10 loans | 0.0% |
| Polk County, MO | 5 | Under 10 loans | 0.0% |
| Taney County, MO | 4 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 3 | Under 10 loans | 0.0% |
| Newton County, MO | 3 | Under 10 loans | 0.0% |
| Morgan County, IL | 2 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Dallas County, MO | 2 | Under 10 loans | 0.0% |
| Hickory County, MO | 2 | Under 10 loans | 0.0% |
| Jackson County, MO | 2 | Under 10 loans | 0.0% |
| St. Charles County, MO | 2 | Under 10 loans | 0.0% |
| Boone County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Crawford County, KS | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Boone County, MO | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Franklin County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 50.0% |
| Wright County, MO | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 0 | Under 10 loans | Not published |
| Houston County, GA | 0 | Under 10 loans | Not published |
| Livingston County, IL | 0 | Under 10 loans | Not published |
| Cherokee County, KS | 0 | Under 10 loans | 100.0% |
| St. Clair County, MO | 0 | Under 10 loans | 100.0% |
| Vernon County, MO | 0 | Under 10 loans | 100.0% |
| Franklin County, OH | 0 | Under 10 loans | Not published |
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When Guaranty Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.