Gulf Coast Bank and Trust Company: 2025 mortgage rates, costs & approvals
How Gulf Coast Bank and Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Gulf Coast Bank and Trust Company · LEI 5493008RSN6F31BTGT93
In 2025, Gulf Coast Bank and Trust Company originated 904 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 19 states — 498th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 14 basis points above the national median. Median conventional loan costs were $5,040, 10% lower than the national median ($5,570).
It denied 7.9% of completed home-purchase applications (all lenders: 8.5%).
How Gulf Coast Bank and Trust Company priced home-purchase loans
| Purchase loans, 2025 | Gulf Coast Bank and Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.27 pts | +0.13 pts |
| Total loan costs · conventional | $5,040 | $5,570 |
| Total loan costs · FHA | $8,470 | $11,310 |
| Total loan costs · VA | $5,750 | $6,490 |
| Origination charges (all types) | $1,600 | $1,860 |
| Borrowers paying discount points | 27.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 32.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Gulf Coast Bank and Trust Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Gulf Coast Bank and Trust Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Louisiana | 803 | 881 | 7.9% | 6.625% | $4,950 |
| Texas | 40 | 43 | 7.9% | 6.375% | $9,510 |
| Mississippi | 23 | 25 | 8.7% | — | — |
| Florida | 19 | 21 | — | — | — |
| Alabama | 3 | 4 | — | — | — |
| South Carolina | 3 | 3 | — | — | — |
| North Carolina | 2 | 2 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Minnesota | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
| Pennsylvania | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Gulf Coast Bank and Trust Company's page for that state.
Counties where Gulf Coast Bank and Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Plaquemines Parish, LA | 1 | 21 | 12.2% |
| West Baton Rouge Parish, LA | 2 | 32 | 9.3% |
| St. Bernard Parish, LA | 2 | 27 | 7.1% |
| Iberville Parish, LA | 2 | 16 | 6.7% |
| Jefferson Parish, LA | 3 | 213 | 6.5% |
| Tangipahoa Parish, LA | 4 | 82 | 5.7% |
| Orleans Parish, LA | 7 | 91 | 3.5% |
| St. Tammany Parish, LA | 6 | 135 | 3.5% |
| Pointe Coupee Parish, LA | 9 | 6 | 3.3% |
| Atascosa County, TX | 7 | 15 | 3.2% |
| Walthall County, MS | 12 | 2 | 2.3% |
| East Baton Rouge Parish, LA | 11 | 93 | 2.1% |
| St. Helena Parish, LA | 12 | 1 | 2.1% |
| Washington Parish, LA | 9 | 5 | 1.9% |
| St. Charles Parish, LA | 13 | 10 | 1.7% |
Check Gulf Coast Bank and Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493008RSN6F31BTGT93.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Gulf Coast Bank and Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology