Purchase Originations
829
Ranked #437 nationally
Median Total Costs
$6,494
−2.8% vs national ($6,680)
↓ $624 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,598
Median Lender Credits
$491
Cost Rank (500+ vol.)
#323
among lenders with 500+ originations
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 501 | 6.750% | $5,039 | $1,598 |
| fha | 251 | 6.375% | $8,423 | $1,598 |
| va | 55 | 6.250% | $5,753 | $1,598 |
| usda | 22 | 6.190% | $6,330 | $1,598 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 738 | 6.500% | $6,432 | #12 |
| Texas | 36 | 6.312% | $9,574 | — |
| Mississippi | 21 | 6.875% | $5,753 | — |
| Florida | 18 | 6.500% | $7,998 | — |
| Alabama | 2 | 6.062% | $4,156 | — |
| South Carolina | 2 | 6.812% | $4,172 | — |
| Arizona | 1 | 7.000% | $5,603 | — |
| Colorado | 1 | 6.250% | $2,728 | — |
| Georgia | 1 | 6.625% | $2,701 | — |
| Illinois | 1 | 6.750% | $11,916 | — |
| Indiana | 1 | 6.250% | $8,071 | — |
| Massachusetts | 1 | 6.250% | $4,718 | — |
| Minnesota | 1 | 6.000% | $3,052 | — |
| Missouri | 1 | 6.750% | $7,880 | — |
| Montana | 1 | 6.500% | $4,629 | — |
| North Carolina | 1 | 6.500% | $4,066 | — |
| Tennessee | 1 | 6.375% | $8,932 | — |
| Virginia | 1 | 6.625% | $4,538 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,408 | 6.625% | — | 5 | −$2,086 | |
| 2 | $4,522 | 6.875% | — | 7 | −$1,972 | |
| 3 | $5,153 | 6.438% | — | 8 | −$1,341 | |
| 4 | $5,464 | 6.390% | — | 25 | −$1,030 | |
| 5 | $5,470 | 6.580% | — | 17 | −$1,024 | |
| 6 | $5,586 | 6.500% | — | 201 | −$908 | |
| 7 | $5,685 | 6.625% | — | 5 | −$809 | |
| 8 | $5,724 | 6.590% | — | 89 | −$770 | |
| 9 | $5,746 | 6.250% | — | 7 | −$748 | |
| 10 | $6,210 | 6.500% | — | 25 | −$284 | |
| 11 | $6,462 | 6.625% | — | 82 | −$32 | |
| 12 | $6,563 | 6.625% | — | 123 | +$69 | |
| 13 | $6,611 | 6.875% | — | 17 | +$117 | |
| 14 | $7,213 | 6.500% | — | 5 | +$719 | |
| 15 | $7,352 | 6.250% | — | 15 | +$858 | |
| 16 | $7,501 | 6.375% | — | 70 | +$1,007 | |
| 17 | $8,030 | 6.500% | — | 29 | +$1,536 | |
| 18 | $8,304 | 6.375% | — | 12 | +$1,810 | |
| 19 | $8,507 | 7.250% | — | 7 | +$2,013 | |
| 20 | $9,731 | 6.250% | — | 11 | +$3,237 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Gulf Coast Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $6,494 | $7,127 | −$633 (−8.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.