Gulf Coast Bank and Trust in Louisiana vs the state
10.8%Denial rate-11.33 pts vs state
13.1%Decision denial rate-15.03 pts vs state
69.1%Origination rate+17.13 pts vs state
6.88%Median rate+0.25 pts vs state
0.30Rate spread (pts)-0.06 pts vs state
$99kMedian applicant income
1,409Loans originated
221Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,860 | 1,228 | 11.3% | 7.63% | #15 |
| 2024 | 2,042 | 1,398 | 11.5% | 7.13% | #13 |
| 2025 | 2,039 | 1,409 | 10.8% | 6.88% | #15 |
What Gulf Coast Bank and Trust lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson Parish | 520 | 395 | 49 | 9.4% |
| Orleans Parish | 426 | 275 | 59 | 13.8% |
| St. Tammany Parish | 295 | 219 | 30 | 10.2% |
| East Baton Rouge Parish | 207 | 127 | 28 | 13.5% |
| Tangipahoa Parish | 181 | 126 | 12 | 6.6% |
| St. Bernard Parish | 73 | 49 | 9 | 12.3% |
| Livingston Parish | 68 | 37 | 10 | 14.7% |
| Plaquemines Parish | 51 | 35 | 3 | 5.9% |
| West Baton Rouge Parish | 49 | 33 | 3 | 6.1% |
| Ascension Parish | 38 | 26 | 4 | 10.5% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 2,039 applications in 2025, of which 1,409 were originated and 221 denied.
10.8% of all applications, or 13.1% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Gulf Coast Bank and Trust originated in Louisiana in 2025 was 6.88%, 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 Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology