Gulf Coast Bank and Trust Company mortgage approval rate & lending review
Gulf Coast Bank and Trust Company decided 4,086 mortgage applications and funded 3,404 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gulf Coast Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gulf Coast Bank and Trust Company at a glance
Approval is 5.1 points above the 83.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,897 / 2,077 | 100% | $265K | 1,888 |
| Home improvement loans | 63% | 165 / 262 | 87% | $115K | 143 |
| Cash-out refinance | 88% | 73 / 83 | 100% | $195K | 73 |
| Refinance | 88% | 168 / 190 | 97% | $255K | 163 |
| Investment property purchase | 87% | 834 / 954 | 87% | $195K | 725 |
| Investment refinance | 90% | 341 / 377 | 89% | $215K | 304 |
| Investment home improvement | 83% | 109 / 132 | 92% | $145K | 100 |
Gulf Coast Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 88% | $265K | 3,796 | 3,167 |
| Florida | 82% | $315K | 110 | 81 |
| Texas | 88% | $335K | 82 | 71 |
| Alabama | 92% | $295K | 24 | 20 |
| Mississippi | 91% | $275K | 23 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Gulf Coast Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson Parish, LA | Mortgage lenders | 93% | 613 | 571 |
| St. Tammany Parish, LA | Mortgage lenders | 93% | 399 | 371 |
| Orleans Parish, LA | Investment property purchase | 86% | 352 | 251 |
| Orleans Parish, LA | Mortgage lenders | 90% | 269 | 238 |
| Jefferson Parish, LA | Investment property purchase | 92% | 271 | 221 |
| Tangipahoa Parish, LA | Mortgage lenders | 90% | 246 | 220 |
| East Baton Rouge Parish, LA | Mortgage lenders | 86% | 254 | 218 |
| Orleans Parish, LA | Investment refinance | 92% | 165 | 134 |
| Jefferson Parish, LA | Investment refinance | 87% | 109 | 83 |
| Livingston Parish, LA | Mortgage lenders | 87% | 95 | 82 |
| St. Tammany Parish, LA | Investment property purchase | 91% | 86 | 70 |
| Jefferson Parish, LA | Home improvement loans | 60% | 105 | 56 |
The county markets where Gulf Coast Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Gulf Coast Bank and Trust Company
What is Gulf Coast Bank and Trust Company's mortgage approval rate?
Gulf Coast Bank and Trust Company approved 88.0% of the 4,086 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points above the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan Gulf Coast Bank and Trust Company offers?
Borrowers accepted 95% of the loans Gulf Coast Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gulf Coast Bank and Trust Company make?
The typical home purchase mortgage loan Gulf Coast Bank and Trust Company made was $265K; across all loan types its typical loan ran from $115K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gulf Coast Bank and Trust Company lend?
Gulf Coast Bank and Trust Company decided applications in 23 of the states Fat Boy Data covers, most of them in Louisiana, Florida and Texas.
Can I apply to Gulf Coast Bank and Trust Company directly?
Yes. Gulf Coast Bank and Trust Company is a bank or credit union with 39 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gulf Coast Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Gulf Coast Bank and Trust Company treats applications, then get a rate quote from the lender.