Gulf Coast Bank and Trust in Florida vs the state
11.0%Denial rate-10.10 pts vs state
14.3%Decision denial rate-12.95 pts vs state
65.8%Origination rate+13.06 pts vs state
7.11%Median rate+0.48 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$159kMedian applicant income
48Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 40 | 9.8% | 7.44% | #582 |
| 2024 | 63 | 36 | 22.2% | 7.69% | #559 |
| 2025 | 73 | 48 | 11.0% | 7.11% | #543 |
What Gulf Coast Bank and Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Manatee County | 9 | 5 | 1 | 11.1% |
| Walton County | 9 | 7 | 1 | 11.1% |
| St. Johns County | 7 | 3 | 0 | 0.0% |
| Okaloosa County | 5 | 1 | 1 | 20.0% |
| Pinellas County | 4 | 4 | 0 | 0.0% |
| Sarasota County | 4 | 3 | 0 | 0.0% |
| Santa Rosa County | 4 | 2 | 1 | 25.0% |
| Bay County | 4 | 3 | 1 | 25.0% |
| Holmes County | 3 | 3 | 0 | 0.0% |
| Escambia County | 3 | 1 | 1 | 33.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 73 applications in 2025, of which 48 were originated and 8 denied.
11.0% of all applications, or 14.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Gulf Coast Bank and Trust originated in Florida in 2025 was 7.11%, against a statewide median of 6.63%.
About this data. Figures are Gulf Coast Bank and Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology