# Gulf Coast Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/gulf-coast-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Gulf Coast Bank and Trust Company is a bank, headquartered in New Orleans, LA, serving borrowers across 16 states, with 864 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008RSN6F31BTGT93
- **Headquarters:** New Orleans, LA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AL, AR, AZ, CO, FL, GA, IL, KS, LA, MS, NC, OK, TN, TX, VA, WI
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.311%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,037
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 864
- **Dollar Volume:** $252 million
- **Applications Received:** 1,230
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,748
- **Average Borrower Income:** $121,178
- **Average Property Value:** $357,251

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 486 | +0.261% | $2,013 | Strong 😀 |
| FHA | 77/100 | 302 | +0.444% | $1,965 | Strong 😀 |
| VA | 68/100 | 40 | -0.063% | $3,322 | Strong 😀 |
| USDA | 78/100 | 31 | +0.184% | $1,440 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 434 loans, Score: 73/100 (Strong)
- Refinance: 52 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 294 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 34 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 31 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 798 | $230M | +0.310% | Strong 😀 |
| Refinance | 59/100 | 66 | $22M | +0.323% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 779 | 2.24% | 89/100 |
| TX | 29 | 0.01% | 44/100 |
| MS | 21 | 0.08% | 48/100 |
| FL | 18 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New Orleans | LA | 359 | 99/100 |
| Baton Rouge, LA | LA | 191 | 78/100 |
| Slidell | LA | 136 | 90/100 |
| Hammond, LA | LA | 76 | 88/100 |
| Non |  | 28 | 31/100 |
| San Antonio | TX | 15 | 44/100 |

## Where This Lender Ranks

Gulf Coast Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New Orleans for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in New Orleans for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Slidell for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Hammond, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Hammond, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Hammond, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Slidell Banks
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks)
- 🥈 **#2** in Slidell for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Slidell for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Louisiana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in New Orleans Banks
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks)
- 🥉 **#3** in Baton Rouge, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Baton Rouge, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Hammond, LA
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders)
- 🥉 **#3** in Hammond, LA for Conventional Loans
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Hammond, LA for FHA Loans
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in New Orleans for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in New Orleans for USDA Loans
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Baton Rouge, LA Banks
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks)
- 🏆 **#4** in Baton Rouge, LA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Gulf Coast Bank and Trust Company offer?

Gulf Coast Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Gulf Coast Bank and Trust Company offer mortgages?

Gulf Coast Bank and Trust Company offers mortgages in 16 states: AL, AR, AZ, CO, FL, GA, IL, KS, LA, MS, NC, OK, TN, TX, VA, WI.

### How competitive are Gulf Coast Bank and Trust Company's mortgage rates?

Gulf Coast Bank and Trust Company has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.311% above market average.

### What type of lender is Gulf Coast Bank and Trust Company?

Gulf Coast Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in New Orleans, LA.

### What is Gulf Coast Bank and Trust Company's loan approval success rate?

Gulf Coast Bank and Trust Company has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gulf-coast-bank-and-trust

### How to Cite

> "Gulf Coast Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gulf-coast-bank-and-trust

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