Gulf Coast Bank and Trust Company closing costs and rates (2024)
In 2024, Gulf Coast Bank and Trust Company originated 796 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,118. That ranks #448 nationally by origination volume. For total closing costs among lenders with 500+ originations, Gulf Coast Bank and Trust Company ranks #378. That is $377 above the national median of $6,741. Gulf Coast Bank and Trust Company is most active in Louisiana with 720 originations there.
Purchase Originations
796
Ranked #448 nationally
Median Total Costs
$7,118
+5.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,498
Median Lender Credits
$467
Cost Rank (500+ vol.)
#378
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 433 | 6.875% | $4,909 | $1,750 |
| fha | 297 | 6.250% | $8,579 | $1,498 |
| va | 35 | 6.625% | $7,925 | $2,560 |
| usda | 31 | 6.375% | $6,291 | $1,498 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 720 | 6.625% | $7,058 | #11 |
| Texas | 27 | 6.500% | $12,196 | — |
| Mississippi | 20 | 6.625% | $7,578 | — |
| Florida | 12 | 7.062% | $7,063 | — |
| Arkansas | 3 | 6.500% | $5,179 | — |
| Tennessee | 3 | 6.875% | $2,968 | — |
| Alabama | 2 | 7.000% | $6,739 | — |
| North Carolina | 2 | 6.688% | $4,329 | — |
| Arizona | 1 | 6.625% | $17,841 | — |
| Colorado | 1 | 6.125% | $3,038 | — |
| Georgia | 1 | 7.000% | $5,402 | — |
| Kansas | 1 | 6.500% | $3,278 | — |
| Oklahoma | 1 | 6.125% | $5,500 | — |
| Virginia | 1 | 6.875% | $7,377 | — |
| Wisconsin | 1 | 6.500% | $5,680 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,575 | 6.875% | — | 5 | −$1,543 | |
| 2 | $5,977 | 6.500% | — | 78 | −$1,141 | |
| 3 | $6,044 | 6.625% | — | 192 | −$1,074 | |
| 4 | $6,553 | 6.190% | — | 16 | −$565 | |
| 5 | $6,730 | 6.625% | — | 130 | −$388 | |
| 6 | $6,975 | 6.562% | — | 20 | −$143 | |
| 7 | $7,086 | 6.562% | — | 6 | −$32 | |
| 8 | $7,576 | 6.625% | — | 82 | +$458 | |
| 9 | $7,925 | 6.625% | — | 8 | +$807 | |
| 10 | $8,018 | 6.625% | — | 29 | +$900 | |
| 11 | $8,068 | 6.500% | — | 69 | +$950 | |
| 12 | $8,232 | 7.125% | — | 10 | +$1,114 | |
| 13 | $8,471 | 6.312% | — | 6 | +$1,353 | |
| 14 | $8,745 | 6.312% | — | 14 | +$1,627 | |
| 15 | $8,760 | 6.375% | — | 31 | +$1,642 | |
| 16 | $9,049 | 6.688% | — | 4 | +$1,931 | |
| 17 | $9,070 | 6.625% | — | 19 | +$1,952 | |
| 18 | $9,177 | 6.375% | — | 4 | +$2,059 | |
| 19 | $12,540 | 6.250% | — | 3 | +$5,422 | |
| 20 | $14,173 | 6.375% | — | 5 | +$7,055 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.