Gulf Coast Bank and Trust in North Carolina vs the state
0.0%Denial rate-18.06 pts vs state
0.0%Decision denial rate-22.82 pts vs state
60.0%Origination rate+2.19 pts vs state
6.50%Median rate0.00 pts vs state
-0.15Rate spread (pts)-0.24 pts vs state
$84kMedian applicant income
3Loans originated
0Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 7.00% | #758 |
| 2025 | 5 | 3 | 0.0% | 6.50% | #722 |
What Gulf Coast Bank and Trust lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 2 | 1 | 0 | 0.0% |
| Wayne County | 1 | 0 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
| Forsyth County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 5 applications in 2025, of which 3 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Gulf Coast Bank and Trust originated in North Carolina in 2025 was 6.50%, 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 North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology