Purchase Originations
495
Median Total Costs
$3,562
−46.7% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$1,027
Median Lender Credits
$73
Denial Rate
19.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 389 | 6.875% | $3,096 | $1,027 |
| fha | 80 | 6.500% | $5,520 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,526 | 7.062% | — | 12 | −$1,036 | |
| 2 | $2,554 | 6.902% | — | 10 | −$1,008 | |
| 3 | $2,604 | 6.745% | — | 20 | −$958 | |
| 4 | $2,666 | 7.125% | — | 17 | −$896 | |
| 5 | $2,721 | 6.875% | — | 40 | −$841 | |
| 6 | $2,791 | 6.787% | — | 36 | −$771 | |
| 7 | $2,816 | 6.875% | — | 35 | −$746 | |
| 8 | $2,834 | 6.875% | — | 10 | −$728 | |
| 9 | $2,898 | 7.125% | — | 12 | −$664 | |
| 10 | $3,057 | 6.875% | — | 21 | −$505 | |
| 11 | $3,105 | 7.000% | — | 7 | −$457 | |
| 12 | $3,930 | 6.875% | — | 13 | +$368 | |
| 13 | $4,747 | 6.625% | — | 26 | +$1,185 | |
| 14 | $4,848 | 6.400% | — | 17 | +$1,286 | |
| 15 | $4,926 | 6.625% | — | 63 | +$1,364 | |
| 16 | $5,441 | 6.875% | — | 41 | +$1,879 | |
| 17 | $6,250 | 6.688% | — | 22 | +$2,688 | |
| 18 | $6,688 | 6.750% | — | 13 | +$3,126 | |
| 19 | $7,015 | 5.990% | — | 6 | +$3,453 | |
| 20 | $7,218 | 6.675% | — | 7 | +$3,656 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Guaranty Bank And Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $3,562 | $7,127 | −$3,565 (−50.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.