Market Overview

Guaranty Trust's Retta Gardner Recipient of 2018 Women of Influence


HousingWire announced its annual Women of Influence list. This is the
eighth year that HousingWire has recognized the women leading the
mortgage and housing industry forward, and each year, the nominations
grow more and more competitive.

These 85 women represent a variety of occupations within the housing
economy, each demonstrating leadership that inspires those in their own
companies, in their communities and in the industry at large.

Some of HW's 2018 award winners have worked their way up in traditional
mortgage companies, while others started their own businesses. Each
woman has made her mark in marketing, technology, economics, compliance,
operations and business development.

"The 2018 Women of Influence are an inspiring, amazing group of leaders.
These women are innovating in every area: technology, marketing,
compliance, strategy, operations and more," Sarah Wheeler, Managing
Editor of HousingWire Content Solutions, said. "Their energy and
expertise are fueling the success of companies across the industry, and
their impact is felt in every area of mortgage finance and real estate."

Many of this year's winners mentor other women in the industry, manage
internship programs for college students or work with business groups in
disadvantaged areas. Others coordinate volunteer programs for their
employees or serve on advisory boards that inform the industry.
Investing time and effort to see others succeed is a hallmark of this
group, and should be celebrated in its own right.

Retta Gardner, President and CEO of Guaranty Trust stated, "I am very
grateful and honored as a recipient of HousingWire's Women of Influence
Award. Upon completing my education, I was afforded a tremendous
opportunity at Guaranty Trust to help us grow from a very small company
of 30 to 150 employees strong today with sales exceeding over $1 billion
on an annual basis. I have been active in many roles during my tenure at
Guaranty Trust Company and have progressively advanced. I've held roles
as the IT Manager, HR Manager, Wholesale Manager, Executive Vice
President and CEO. One of my passions is giving back to our employees by
providing them with opportunities for advancement and educational
opportunities. More than 70% of our staff are female and female
executives account for 80% of our senior management team. I strive to
provide an excellent example to them every day that you can achieve your
goals with a great work ethic, attitude, and the willingness to learn."

Gardner is beginning her 22nd year with Guaranty Trust, a billion-dollar
mortgage lender that ranks among the top 100 mortgage companies in
America. Named CEO in 2013, she oversees 145 employees who facilitate
home loan transactions in more than 32 states.

The lending professional has been recognized for both her contributions
in the business world and as a community volunteer. In 2016, she was
presented the Jennings A. Jones College of Business Exemplar Award for
her commitment to community service. She is also a recent recipient of
the Community Partner Award from Rutherford County Read to Succeed.

In addition to her TNMBA Presidency, Gardner currently serves on the
boards of Volunteer State Bank, United Way of Rutherford and Cannon
Counties and Rutherford County Read to Succeed.

Guaranty Trust

Since 1986, Guaranty Trust has been a leader in residential mortgage
lending. Locally owned and operated in Tennessee, we service loans in 32
states. From conventional, jumbo, FHA, VA, Rural Development, and THDA
loans our experts can guide you through the process with speed and ease.
Guaranty Trust is a locally owned, billion-dollar mortgage lender that
ranks among the top 100 mortgage companies in America. In addition to
Murfreesboro, the company maintains Tennessee sales offices in
Brentwood, Fayetteville, Hendersonville, Knoxville, Mt. Juliet,
Shelbyville and Atoka. The company also markets mortgages nationally
through its wholesale services.

Additionally, Guaranty Trust has received accolades from The
Nashville Business Journal
as a Top 25 Mortgage Lender in Nashville.

To learn more about GTC and our company culture visit
or follow us on Twitter,
and Facebook.


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