Guaranty Bank & Trust, N.A. closing costs and rates (2024)
In 2024, Guaranty Bank & Trust, N.A. originated 153 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $5,157. That is $1,584 below the national median of $6,741. Guaranty Bank & Trust, N.A. is most active in Texas with 149 originations there.
Purchase Originations
153
Median Total Costs
$5,157
−23.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,350
Median Lender Credits
$255
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 108 | 6.895% | $4,552 | $1,350 |
| fha | 34 | 6.250% | $8,050 | $1,350 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 149 | 6.625% | $5,318 | #230 |
| Arkansas | 3 | 6.450% | $3,146 | — |
| Washington | 1 | 6.625% | $3,804 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,727 | 7.500% | — | 19 | −$1,430 | |
| 2 | $3,939 | 6.627% | — | 6 | −$1,218 | |
| 3 | $4,104 | 6.625% | — | 5 | −$1,053 | |
| 4 | $4,181 | 6.550% | — | 5 | −$976 | |
| 5 | $4,292 | 6.875% | — | 2 | −$865 | |
| 6 | $4,455 | 6.438% | — | 2 | −$702 | |
| 7 | $4,847 | 6.662% | — | 2 | −$310 | |
| 8 | $4,849 | 6.875% | — | 5 | −$308 | |
| 9 | $5,157 | 7.000% | — | 3 | +$0 | |
| 10 | $5,345 | 6.990% | — | 5 | +$188 | |
| 11 | $5,574 | 6.450% | — | 3 | +$417 | |
| 12 | $5,582 | 6.662% | — | 2 | +$425 | |
| 13 | $5,913 | 6.500% | — | 7 | +$756 | |
| 14 | $5,921 | 6.875% | — | 9 | +$764 | |
| 15 | $6,116 | 6.375% | — | 42 | +$959 | |
| 16 | $6,128 | 7.125% | — | 3 | +$971 | |
| 17 | $6,359 | 6.562% | — | 2 | +$1,202 | |
| 18 | $6,598 | 6.875% | — | 2 | +$1,441 | |
| 19 | $7,973 | 6.188% | — | 4 | +$2,816 | |
| 20 | $10,008 | 6.812% | — | 2 | +$4,851 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.