Gibsland Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th12.6% deniedProcesswithdrawn + incomplete share, weight 15%
19th14.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 160 | 130 | 6.9% | 7.8% | — | $22M |
| 2024 | 196 | 154 | 7.1% | 8.3% | — | $29M |
| 2025 | 213 | 156 | 10.8% | 12.6% | — | $33M |
What Gibsland Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 35 manufactured homes, 117 investment properties.
Who gets approved at Gibsland Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 17 | 26.1% |
| $50k – $100k | 47 | 31 | 15.8% |
| $100k – $150k | 26 | 19 | 17.4% |
| $150k – $250k | 20 | 12 | 25.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 34 | 23 | 17.9% |
| 45–54 | 25 | 20 | 13.0% |
| 55–64 | 35 | 20 | 23.1% |
Where Gibsland Bank & Trust lends
4 states and 19 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Gibsland Bank & Trust denied 12.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of investment-property lenders.
In 2025, 43% of its applications were for home purchases, 44% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.