Lender profile · HMDA 2023–2025
Gulf Coast Bank and Trust Company mortgage approval rates & lending data
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.
Approval 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 |
| North Carolina | 100% | $265K | 8 | 8 |
| Tennessee | 83% | $415K | 6 | 5 |
| Colorado | 100% | $145K | 5 | 5 |
| South Carolina | 100% | $375K | 5 | 5 |
| Arizona | 75% | $425K | 4 | 3 |
| Georgia | 75% | $175K | 4 | 3 |
| Arkansas | 100% | $115K | 2 | 2 |
| Illinois | 100% | $195K | 2 | 2 |
| Massachusetts | 100% | $105K | 2 | 2 |
| Minnesota | 100% | $305K | 2 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.