Lender in Mississippi · HMDA 2025
Guaranty Bank and Trust Company mortgages in Mississippi
Guaranty Bank and Trust Company's 2025 home-purchase and refinance lending in Mississippi, compared with all lenders in the state.
Guaranty Bank and Trust Company originated 564 owner-occupied single-family loans in Mississippi from 728 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $3,000 versus $4,460 for all Mississippi lenders, at a median 30-year fixed rate of 6.875% (Mississippi: 6.625%).
Loans in MS
564
of 728 applications
Denial rate
22.8%
Purchase · MS 11.3%
Rate spread
+0.47 pts
Conv. · MS +0.26 pts
Loan amount
$205,000
Purchase · MS $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 592 | 456 | 22.8% | 6.875% | +0.47 pts | $3,000 | $205,000 |
| Refinance | 120 | 95 | 20.0% | 6.375% | +1.81 pts | $1,790 | $125,000 |
| Cash-out refinance | 16 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Mississippi counties where Guaranty Bank and Trust Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 32.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tishomingo County | 1 | 50 | 26.5% |
| Alcorn County | 1 | 43 | 15.8% |
| Prentiss County | 1 | 29 | 16.0% |
| Itawamba County | 1 | 28 | 14.3% |
| Panola County | 1 | 28 | 10.8% |
| Tate County | 1 | 28 | 8.9% |
| Grenada County | 1 | 26 | 16.5% |
| Humphreys County | 1 | 15 | 37.5% |
| Montgomery County | 1 | 7 | 13.2% |
| Lafayette County | 2 | 54 | 8.3% |
| Carroll County | 2 | 12 | 17.6% |
| Calhoun County | 2 | 8 | 9.8% |
| Washington County | 3 | 23 | 10.2% |
| Leflore County | 3 | 14 | 8.9% |
| Sharkey County | 3 | 1 | 12.5% |
| Pontotoc County | 4 | 18 | 7.3% |
| Sunflower County | 4 | 8 | 6.3% |
| Lee County | 5 | 45 | 4.9% |
| Tippah County | 5 | 6 | 5.7% |
| Chickasaw County | 5 | 4 | 4.8% |
| Tallahatchie County | 5 | 3 | 7.5% |
| Monroe County | 6 | 11 | 3.9% |
| Claiborne County | 6 | 1 | 5.9% |
| Bolivar County | 7 | 4 | 2.4% |
| Yalobusha County | 7 | 4 | 3.6% |
| Winston County | 11 | 2 | 1.8% |
| DeSoto County | 12 | 66 | 2.0% |
| Union County | 13 | 4 | 1.8% |
| Warren County | 18 | 4 | 1.2% |
| Webster County | 23 | 1 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology