Gulf Coast Bank and Trust in Alabama vs the state
15.8%Denial rate-4.06 pts vs state
18.8%Decision denial rate-6.25 pts vs state
57.9%Origination rate+2.50 pts vs state
6.75%Median rate+0.25 pts vs state
0.08Rate spread (pts)-0.21 pts vs state
$142kMedian applicant income
11Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 9 | 0.0% | 7.63% | #444 |
| 2024 | 5 | 5 | 0.0% | 7.00% | #532 |
| 2025 | 19 | 11 | 15.8% | 6.75% | #398 |
What Gulf Coast Bank and Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 10 | 7 | 1 | 10.0% |
| Baldwin County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 3 | 0 | 1 | 33.3% |
| Coffee County | 1 | 1 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
| Limestone County | 1 | 0 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 19 applications in 2025, of which 11 were originated and 3 denied.
15.8% of all applications, or 18.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Gulf Coast Bank and Trust originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Gulf Coast Bank and Trust's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology