Gulf Coast Bank and Trust in Mississippi vs the state
4.0%Denial rate-18.92 pts vs state
4.7%Decision denial rate-23.80 pts vs state
80.0%Origination rate+27.13 pts vs state
7.25%Median rate+0.50 pts vs state
0.41Rate spread (pts)+0.08 pts vs state
$146kMedian applicant income
40Loans originated
2Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 35 | 12.2% | 7.50% | #157 |
| 2024 | 53 | 37 | 13.2% | 7.38% | #156 |
| 2025 | 50 | 40 | 4.0% | 7.25% | #171 |
What Gulf Coast Bank and Trust lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hancock County | 18 | 16 | 0 | 0.0% |
| Pearl River County | 11 | 8 | 0 | 0.0% |
| Harrison County | 6 | 5 | 0 | 0.0% |
| Pike County | 3 | 2 | 1 | 33.3% |
| Walthall County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Covington County | 1 | 0 | 0 | 0.0% |
| Lamar County | 1 | 1 | 0 | 0.0% |
| Tishomingo County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 6,764 | 48.5% | 10.56% |
| Trustmark National Bank | C | 5,531 | 12.5% | 6.75% |
| Cadence Bank | B | 5,301 | 19.2% | 7.25% |
| Regions Bank | C | 4,916 | 44.7% | 5.75% |
| Rocket Mortgage | C | 4,636 | 24.8% | 6.63% |
| Community Bank of Mississippi | C | 3,856 | 9.0% | 7.65% |
| Renasant Bank | B | 3,188 | 14.3% | 6.99% |
| Triad Financial Services | D | 3,140 | 34.4% | 8.76% |
| Vanderbilt Mortgage and Finance | F | 2,840 | 44.3% | 10.25% |
| BankPlus | B | 2,638 | 10.7% | 6.50% |
Frequently asked questions
Mississippi: 50 applications in 2025, of which 40 were originated and 2 denied.
4.0% of all applications, or 4.7% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Gulf Coast Bank and Trust originated in Mississippi in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Gulf Coast Bank and Trust's own HMDA filing for properties located in Mississippi, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology