Applications / Mortgage Analytics / Lenders / Louisiana / Gulf Coast Bank
Abbeville, LA · State non-member bank · FDIC · $498 million assets · 45 loans in 2025
Gulf Coast Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
61
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gulf Coast Bank makes a quarter as many loans as it did in 2018, yet it gained ground in Lafayette, its main market, where it ranks 52 of 280 lenders.
The bank made 177 loans in 2018 and 153 in 2020. By 2025 it made 45, down 21% from 57 a year earlier, while similar lenders, state non-member banks making between half and twice as many loans, grew 3% and the whole market 10%. The figures do not say why. Less demand in its small rural footprint, or a choice to make other kinds of loans, could each explain it.
Its share of Lafayette lending still rose, from 0.3% to 0.4%. It has lent there since 1993. United Wholesale Mortgage leads that market, followed by DSLD Mortgage and Rocket Mortgage. Its whole footprint is four Louisiana counties.
Some 40.7% of its loans went to low- and moderate-income borrowers, against 27.7% for similar banks, higher than about four in five of them. Another 28.9% went to low- and moderate-income neighborhoods, against 18.6%. Its typical loan was $125,000, against $165,000 at peers. Refinances were 48.9% of its loans and purchases 46.7%. With only 45 loans, small shifts in any of these shares mean little.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gulf Coast Bank took 61 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.9% · Purchase 46.7% · Other 4.4%
Conventional 100.0% · of 45 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XV2UKEPAMX9H12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 459130 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320353 | 1993–2017 |
Established 1 February 1971. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Gulf Coast Bank's data.
Gulf Coast Bank's data
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Gulf Coast Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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