Who We Are

Competitive Rates and Fees

We are 100% committed to putting your hard earned money back in you pocket! Try our online quotes and see for yourself.

Over 30 Years of Experience

Since 1986, we have been a market leader in residential mortgage lending. From financing your dream home to refinancing your existing home, we have you covered.

Highest Customer Satisfaction

That is why the Better Business Bureau gives us the highest grade in the class! A+

Top 100 Mortgage Company in America - 2012, 2013, 2014

BBB A+ Rating

Better Business Bureau Accredited A+ Rating

Top USDA Rural Development Lender

One of two in Tennessee to receive top production award.

Top THDA Lender

We have been a top Tennessee Housing Development Agency lender since 1998.

Dreams of Home Ownership since 1986

Making dreams of home ownership come true since 1986!

Recognized by HUD

Recognized by the Department of Housing and Urban Development for success in serving minority first-time home buyers.

TN Locally Owned

TN Locally Owned and Operated for 30 years

Volunteer State Bank

Wholly owned subsidiary of Volunteer State Bank

Top Workplace Recipient

The Tennessean chose Guaranty Trust Company as one of its Top 45 Companies to work for in Tennessee in 2013, 2014, and 2015.

Billion Dollar Lender

We closed more than a Billion dollars in loans in 2013, 2014, and 2015.

Our Leadership Team

Wendell Mandrell


Retta Gardner

President and CEO

Vicky West

SVP-Closing/Shipping/ Correspondent

Rex Hagood

Production Manager

Conventional Loans

Conventional mortgage loans are mortgages that are not covered by any government program of insurance or guarantee.

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FHA Loans

FHA loans are ideal for first-time home buyers and those low- to moderate-income borrowers.

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VA Loans

Available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements.

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Rural Development

The Rural Development (RD) Guaranteed loan program is a 30-year fixed loan provided by the United Stated Department of Agriculture (USDA).

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Jumbo Loans Now available

Credit underwriting completed by Guaranty Trust within 48 hours of submission to underwriting. Loan to Value up to 80%, Max Loan Amount $2.25 Million. Available for primary residence and second home transactions. Purchase, Rate/term Refinance and Cash-Out Refinance 15 and 30 year fixed rate terms.

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THDA Loans

Tennessee Housing Development Agency (THDA) offers 30-year fixed rate mortgages and down payment assistance to first time homebuyers.

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GTC Eligible States

If you are looking to refinance or purchase a home here are the states that are eligible for Guaranty Trust services: Alabama, Arkansas, Arizona, Colorado, Washington DC, Delaware, Florida, Georgia, Iowa, Indiana, Illinois, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Minnesota, Mississippi, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and West Virginia.