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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
486 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
FHA
302 loans · 0.44% above market
Strong
Top 40% of lenders
4/5
VA
40 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
USDA
31 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
798 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
Refinance
66 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 486 | 56.3% | +0.261%Above | $2,013Fees | ||||
FHA Loans | 302 | 35.0% | +0.444%Above | $1,965Fees | ||||
VA Loans | 40 | 4.6% | -0.063%Below | $3,322Fees | ||||
USDA Loans | — | 31 | 3.6% | +0.184%Above | $1,440Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume486
Mix56.3%
Spread
+0.261%Above
Fees
$2,013Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume302
Mix35.0%
Spread
+0.444%Above
Fees
$1,965Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume40
Mix4.6%
Spread
-0.063%Below
Fees
$3,322Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume31
Mix3.6%
Spread
+0.184%Above
Fees
$1,440Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 798 | 92.4% | +0.310%Above | $2,037Fees | ||||
Refinance | 66 | 7.6% | +0.323%Above | $2,039Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume798
Mix92.4%
Spread
+0.310%Above
Fees
$2,037Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
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
16Full-year 2024 · HMDALoans originated
< 2020+None
Midwest3
ILKSWI
South11
ALARFLGALAMSNCOKTNTXVA
West2
AZCO
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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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.