Gulf Coast Bank and Trust in Texas vs the state
6.8%Denial rate-12.67 pts vs state
8.6%Decision denial rate-16.28 pts vs state
71.6%Origination rate+16.74 pts vs state
6.50%Median rate0.00 pts vs state
0.16Rate spread (pts)-0.03 pts vs state
$128kMedian applicant income
53Loans originated
5Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 14 | 14.3% | 8.25% | #880 |
| 2024 | 70 | 42 | 12.9% | 6.63% | #621 |
| 2025 | 74 | 53 | 6.8% | 6.50% | #623 |
What Gulf Coast Bank and Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gulf Coast Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Atascosa County | 21 | 15 | 1 | 4.8% |
| Bexar County | 17 | 16 | 0 | 0.0% |
| Harris County | 9 | 3 | 2 | 22.2% |
| Dallas County | 6 | 3 | 0 | 0.0% |
| Comal County | 4 | 4 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 0 | 0.0% |
| Williamson County | 2 | 2 | 0 | 0.0% |
| Travis County | 1 | 1 | 0 | 0.0% |
| Rockwall County | 1 | 0 | 0 | 0.0% |
| Caldwell County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 74 applications in 2025, of which 53 were originated and 5 denied.
6.8% of all applications, or 8.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gulf Coast Bank and Trust originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology