Get & compare mortgage quotes anonymously Start in My Home
GCBT
Unclaimed

Gulf Coast Bank and Trust Company

Bank•New Orleans, LAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Gulf Coast Bank and Trust Company — 864 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and USDA loans

Explore another lender or local market

Report Card

Gulf Coast Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+31.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume486
Mix56.3%
Spread
+0.261%Above
Fees
$2,013Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume302
Mix35.0%
Spread
+0.444%Above
Fees
$1,965Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume40
Mix4.6%
Spread
-0.063%Below
Fees
$3,322Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume31
Mix3.6%
Spread
+0.184%Above
Fees
$1,440Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume798
Mix92.4%
Spread
+0.310%Above
Fees
$2,037Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume66
Mix7.6%
Spread
+0.323%Above
Fees
$2,039Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
864
Applications
1,230
Volume
$252 million
Pricing & Closing
Avg Rate Spread
+0.311%
vs. market APOR
Avg Net Fees
$2,037
Origination − Credits
Pullthrough Rate
70.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,748
Avg Borrower Income
$121,178
Avg Property Value
$357,251

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILKSWI
South11
ALARFLGALAMSNCOKTNTXVA
West2
AZCO

Top Metro Areas by Place Specialization Score

1© thepipe26 · CC BY 2.0
New Orleans, LAMetro
Volume 359Mix 41.55% of portfolio
99/100
Exceptional
2© Rosserver · CC BY-SA 3.0
Slidell, LAMetro
Volume 136Mix 15.74% of portfolio
90/100
Exceptional
3© David Wilson · CC BY 2.0
Hammond, LAMetro
Volume 76Mix 8.80% of portfolio
88/100
Exceptional
4© NASA Astronaut · Public domain
Baton Rouge, LAMetro
Volume 191Mix 22.11% of portfolio
78/100
Strong
5© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 15Mix 1.74% of portfolio
44/100
Sound

Top States by Place Specialization Score

Louisiana
Louisiana
1
LouisianaState
Volume 779Mix 90.16% of portfolio
89/100
Exceptional
Mississippi
Mississippi
2
MississippiState
Volume 21Mix 2.43% of portfolio
48/100
Sound
Texas
Texas
3
TexasState
Volume 29Mix 3.36% of portfolio
44/100
Sound
Florida
Florida
4
FloridaState
Volume 18Mix 2.08% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Gulf Coast Bank and Trust Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.