Gulf Coast Bank And Trust Company Mortgage Rates, Fees & Info
New Orleans, LALEI: 5493008RSN6F31BTGT93
Tax ID: 72-1167423
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Bank Data
Review & Overview
Gulf Coast Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Gulf Coast Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New Orleans, Baton Rouge, Hammond, Houma, and North Port among others. We have data for 50 markets. (Some data included below & more in-depth data is available with an active subscription.)Gulf Coast Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Gulf Coast Bank And Trust Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.67% | 4/21/24 |
| 30 Year Conventional Refi | 6.43% | 4/21/24 |
| 30 Year Cash-out Refi | 6.68% | 4/21/24 |
| 30 Year FHA Purchase | 7.25% | 4/21/24 |
| 30 Year FHA Refi | 7.06% | 4/21/24 |
| 30 Year VA Purchase | 6.39% | 4/21/24 |
| 30 Year USDA Purchase | 6.76% | 4/21/24 |
| 15 Year Conventional Purchase | 6.20% | 4/21/24 |
| 15 Year Conventional Refi | 5.79% | 4/21/24 |
| 15 Year Cash-out Refi | 5.79% | 4/21/24 |
| 15 Year FHA Refi | 7.09% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Gulf Coast Bank And Trust Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,150Origination Dollar Volume (All Markets)
$494,740,000Employee count
608Awards
Gulf Coast Bank and Trust Company - 2018
Gulf Coast Bank and Trust Company is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1,558 | $357,490,000 | $229,454 | $5,369 | 5.45% |
| BATON ROUGE, LA (FHA|USDA|VA) | 194 | $42,700,000 | $220,103 | $5,605 | 4.98% |
| HAMMOND, LA (FHA|USDA|VA) | 128 | $22,590,000 | $176,484 | $5,304 | 5.06% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 60 | $12,120,000 | $202,000 | $6,212 | 4.86% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 36 | $10,910,000 | $303,056 | $5,851 | 4.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 22 | $8,760,000 | $398,182 | $4,459 | 5.41% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 28 | $5,240,000 | $187,143 | $4,588 | 5.28% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $4,200,000 | $700,000 | $4,305 | 5.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $3,905,000 | $300,385 | $4,611 | 4.74% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $6,148 | 4.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $2,585,000 | $2,585,000 | $0 | 6.00% |
| Picayune, MS (FHA|USDA|VA) | 14 | $1,910,000 | $136,429 | $4,610 | 5.57% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $3,799 | 5.22% |
| Bogalusa, LA (FHA|USDA|VA) | 10 | $1,410,000 | $141,000 | $6,211 | 5.29% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $5,296 | 4.58% |
| Morgan City, LA (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $4,479 | 5.02% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $6,274 | 4.66% |
| Outside of Metro Areas | 4 | $990,000 | $247,500 | $4,682 | 4.72% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,565 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,573 | 4.08% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,610 | 4.84% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,396 | 5.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,992 | 4.69% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,943 | 5.06% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $12,751 | 5.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,325 | 4.74% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 7.21% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,756 | 5.13% |
| Key West, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,428 | 4.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,196 | 5.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,660 | 4.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,742 | 4.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,116 | 5.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,772 | 5.43% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,575 | 5.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,627 | 4.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,231 | 4.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,039 | 4.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,642 | 4.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.13% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,628 | 4.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,855 | 4.63% |
| Marion, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,545 | 4.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,058 | 4.75% |
| Columbus, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,000 | 5.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,732 | 4.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,340 | 5.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.27% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.88% |
Similar Lenders
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Product Mix
For 2018, Gulf Coast Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,374 originations. Their 2nd most popular type was HELOC, with 325 originations.
Loan Reason
For 2018, Gulf Coast Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 1,465 originations. The 2nd most popular reason was Refi, with 394 originations.
Loan Duration/Length
For 2018, Gulf Coast Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,212 originations. The 2nd most popular length was 20 Year, with 323 originations.
Origination Fees/Closing Costs
Gulf Coast Bank And Trust Company's average total fees were $5,063, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,036 originations.
Interest Rates
During 2018, Gulf Coast Bank And Trust Company's average interest rate for loans was 4.90%, while their most frequently originated rate bucket for loans was 4-5%, with 1,001 originations.
Loan Sizing
2018 saw Gulf Coast Bank And Trust Company place emphasis on $100k-200k loans with 854 originations, totaling $128,970,000 in origination value.
Applicant Income
Gulf Coast Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 422 originations. The second most popular income band? $100k-150k, with 326 originations.
Applicant Debt to Income Ratio
Gulf Coast Bank And Trust Company lent most frequently to those with DTI ratios of 30-36%, with 298 originations. The next most common DTI ratio? 20-30%, with 252 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.41%
Gulf Coast Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination78.00%
Gulf Coast Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,150 | $494,740,000 | $230,112 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 47 | $22,915,000 | $487,553 |
| Single Family (1-4 Units):Site-Built | 2,103 | $471,825,000 | $224,358 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Gulf Coast Real Estate Emerald Coast, LLC, d/b/a Motto Mortgage On The Gulf | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Gulf Coast Bank and Trust Company | 1110 Highway 190 Covington, LA 70433 | Full Service B&M | $61,497 |
| Gulf Coast Bank and Trust Company | 13906 Perkins Rd Baton Rouge, LA 70810 | Full Service B&M | $46,218 |
| Gulf Coast Bank and Trust Company | 1801 East Judge Perez Chalmette, LA 70043 | Full Service B&M | $61,635 |
| Gulf Coast Bank and Trust Company | 1825 Veterans Highway Metairie, LA 70005 | Full Service B&M | $160,248 |
| Gulf Coast Bank and Trust Company | 1900 Oak Harbor Blvd Slidell, LA 70458 | Full Service B&M | $61,908 |
| Gulf Coast Bank and Trust Company | 1901 Manhattan Boulevard Harvey, LA 70058 | Full Service B&M | $65,029 |
| Gulf Coast Bank and Trust Company | 200 St. Charles Avenue New Orleans, LA 70130 | Limited, Mobile/Seasonal Office | $0 |
| Gulf Coast Bank and Trust Company | 200 St. Charles Avenue New Orleans, LA 70130 | Full Service B&M | $376,529 |
| Gulf Coast Bank and Trust Company | 201 Huey P Long Ave Gretna, LA 70053 | Full Service B&M | $28,679 |
| Gulf Coast Bank and Trust Company | 201 North Carrollton Ave. New Orleans, LA 70119 | Full Service B&M | $19,786 |
| Gulf Coast Bank and Trust Company | 215 Celebration Place Suite 300 Kissimmee, FL 34747 | Full Service B&M | $45,329 |
| Gulf Coast Bank and Trust Company | 300 West Morris Avenue Hammond, LA 70404 | Full Service B&M | $15,231 |
| Gulf Coast Bank and Trust Company | 3200 Magazine Street New Orleans, LA 70115 | Full Service B&M | $17,031 |
| Gulf Coast Bank and Trust Company | 3410 Williams Boulevard Kenner, LA 70065 | Full Service B&M | $59,051 |
| Gulf Coast Bank and Trust Company | 423 East Boston Street Covington, LA 70433 | Full Service B&M | $53,509 |
| Gulf Coast Bank and Trust Company | 4565 Lasalle Street Mandeville, LA 70471 | Full Service B&M | $32,836 |
| Gulf Coast Bank and Trust Company | 5001 Veterans Boulevard Metairie, LA 70006 | Full Service B&M | $105,222 |
| Gulf Coast Bank and Trust Company | 5949 Sherry Lane Dallas, TX 75225 | Full Service B&M | $550 |
| Gulf Coast Bank and Trust Company | 7235 Jefferson Highway Baton Rouge, LA 70806 | Full Service B&M | $36,670 |
| Gulf Coast Bank and Trust Company | 737 Terry Pkwy Gretna, LA 70056 | Full Service B&M | $67,094 |
| Gulf Coast Bank and Trust Company | 8216 West Judge Perez Drive Chalmette, LA 70043 | Full Service B&M | $120,006 |
| Gulf Coast Bank and Trust Company | 848 Harrison Avenue New Orleans, LA 70124 | Full Service B&M | $76,938 |
For 2018, Gulf Coast Bank And Trust Company had 22 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $137,686 |
| Net interest income | $121,149 |
| Total noninterest income | $36,629 |
| Gross Fiduciary activities income | $1,943 |
| Service charges on deposit accounts | $5,104 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $29,582 |
| Pre-tax net operating income | $28,039 |
| Securities gains (or losses, -) | $-78 |
| Income before extraordinary items | $27,480 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $27,480 |
| Minority interest net income | $0 |
| Net income | $27,480 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $27,556 |
Gulf Coast Bank And Trust Company's gross interest income from loans was $137,686,000.
Gulf Coast Bank And Trust Company's net interest income from loans was $121,149,000.
Gulf Coast Bank And Trust Company's fee based income from loans was $5,104,000.
Gulf Coast Bank And Trust Company's net income from loans was $27,480,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $16,537 |
| Provision for credit losses | $10,621 |
| Total noninterest expense | $119,118 |
| Salaries and employee benefits | $75,992 |
| Premises and equipment expense | $7,600 |
| Additional noninterest expense | $35,526 |
| Applicable income taxes | $481 |
| Net charge-offs | $6,941 |
| Cash dividends | $15,098 |
Gulf Coast Bank And Trust Company's interest expense for loans was $16,537,000.
Gulf Coast Bank And Trust Company's payroll and benefits expense were $75,992,000.
Gulf Coast Bank And Trust Company's property, plant and equipment expenses $7,600,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 1.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 1.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 2.0% |
| Personal loans | 1.0% |
| Credit card loans | 0.6% |
| Other individual loans | 1.0% |
| Auto loans | 0.0% |
| Other consumer loans | 1.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,520,581 |
| Deposits held in domestic offices | $1,520,581 |
| Deposits by Individuals, partnerships, and corporations | $1,362,819 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $63,418 |
| Deposits by Commercial banks and other depository institutions in U.S. | $94,343 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $109,448 |
| Demand deposits | $68,336 |
| Nontransaction accounts | $1,411,133 |
| Money market deposit accounts (MMDAs) | $215,249 |
| Other savings deposits (excluding MMDAs) | $724,153 |
| Total time deposits | $471,731 |
| Total time and savings deposits | $1,452,245 |
| Noninterest-bearing deposits | $65,658 |
| Interest-bearing deposits | $1,454,923 |
| Retail deposits | $1,366,085 |
| IRAs and Keogh plan accounts | $35,017 |
| Brokered deposits | $79,440 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,701,434 |
| Cash & Balances due from depository institutions | $113,978 |
| Interest-bearing balances | $59,607 |
| Total securities | $133,316 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,380,617 |
| Loan and leases loss allowance | $14,360 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $39,478 |
| Other real estate owned | $1,608 |
| Goodwill and other intangibles | $4,925 |
| All other assets | $27,512 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,701,434 |
| Total Liabilities | $1,552,631 |
| Total deposits | $1,520,581 |
| Interest-bearing deposits | $1,454,923 |
| Deposits held in domestic offices | $1,520,581 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $15,000 |
| Subordinated debt | $0 |
| All other liabilities | $17,050 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,380,617 |
| Loan and leases loss allowance | $14,360 |
| Total loans and leases (domestic) | $1,394,977 |
| All real estate loans | $921,272 |
| Real estate loans in domestic offices | $921,272 |
| Construction and development loans | $107,006 |
| Residential 1-4 family construction | $79,782 |
| Other construction, all land development and other land | $27,224 |
| Loans secured by nonfarm nonresidential properties | $408,039 |
| Nonfarm nonresidential secured by owner-occupied properties | $214,137 |
| Commercial real estate & other non-farm, non-residential | $193,902 |
| Multifamily residential real estate | $58,738 |
| 1-4 family residential loans | $346,642 |
| Farmland loans | $847 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $444,506 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $29,199 |
| Credit card loans | $2,555 |
| Related Plans | $0 |
| Consumer Auto Loans | $91 |
| Other loans to individuals | $26,553 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,970 |
| Non 1-4 family restructured loans & leases | $1,064 |
| Total loans and leases (foreign) | $0 |
Gulf Coast Bank and Trust Company had $1,380,617,000 of loans outstanding in 2018. $921,272,000 of loans were in real estate loans. $107,006,000 of loans were in development loans. $58,738,000 of loans were in multifamily mortgage loans. $346,642,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $2,555,000 of loans were in credit card loans. $91,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,279 | $226,642 | $177,203 |
| Nonfarm, nonresidential loans - <$100k | 168 | $6,102 | $36,321 |
| Nonfarm, nonresidential loans - $100-250k | 499 | $53,875 | $107,966 |
| Nonfarm, nonresidential loans - $250k-1MM | 612 | $166,665 | $272,328 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,943 | $201,396 | $68,432 |
| Commercial & Industrial, US addressed loans - <$100k | 1,584 | $37,149 | $23,453 |
| Commercial & Industrial, US addressed loans - $100-250k | 763 | $46,188 | $60,535 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 596 | $118,059 | $198,086 |
| Farmland loans - <$1MM | 7 | $847 | $121,000 |
| Farmland loans - <$100k | 2 | $81 | $40,500 |
| Farmland loans - $100-250k | 3 | $291 | $97,000 |
| Farmland loans - $250k-1MM | 2 | $475 | $237,500 |