Coastal Community Bank mortgage approval rate & lending review
Coastal Community Bank decided 47,374 mortgage applications and funded 17,251 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Coastal Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Coastal Community Bank at a glance
Approval is 34.2 points above the 63.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 98% | 38,323 / 39,260 | 37% | $55K | 14,333 |
| Cash-out refinance | 98% | 7,302 / 7,436 | 36% | $105K | 2,601 |
| Investment property purchase | 94% | 33 / 35 | 100% | $555K | 33 |
| Investment cash-out refinance | 100% | 44 / 44 | 45% | $105K | 20 |
| Investment home improvement | 96% | 536 / 558 | 43% | $55K | 232 |
Coastal Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 97% | $105K | 9,626 | 3,472 |
| Florida | 97% | $55K | 7,587 | 2,677 |
| Illinois | 98% | $55K | 2,697 | 1,022 |
| New Jersey | 98% | $65K | 2,621 | 820 |
| Pennsylvania | 99% | $45K | 2,590 | 904 |
| Ohio | 98% | $45K | 2,556 | 1,014 |
| Arizona | 98% | $65K | 2,299 | 895 |
| Michigan | 98% | $45K | 1,714 | 607 |
| North Carolina | 99% | $55K | 1,654 | 575 |
| Colorado | 97% | $55K | 1,273 | 494 |
| Tennessee | 97% | $45K | 1,263 | 479 |
| Virginia | 98% | $55K | 1,217 | 437 |
| Maryland | 99% | $55K | 762 | 269 |
| Alabama | 98% | $45K | 749 | 291 |
| Georgia | 98% | $55K | 738 | 191 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Coastal Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 95% | 2,039 | 801 |
| Maricopa County, AZ | Home improvement loans | 98% | 1,293 | 504 |
| Cook County, IL | Home improvement loans | 97% | 908 | 360 |
| Riverside County, CA | Home improvement loans | 97% | 759 | 309 |
| Broward County, FL | Home improvement loans | 97% | 755 | 259 |
| San Diego County, CA | Home improvement loans | 98% | 676 | 238 |
| Orange County, CA | Home improvement loans | 98% | 644 | 236 |
| Miami-Dade County, FL | Home improvement loans | 95% | 858 | 230 |
| Palm Beach County, FL | Home improvement loans | 98% | 565 | 223 |
| San Bernardino County, CA | Home improvement loans | 96% | 539 | 201 |
| Hillsborough County, FL | Home improvement loans | 96% | 450 | 173 |
| Orange County, FL | Home improvement loans | 97% | 431 | 147 |
The county markets where Coastal Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Coastal Community Bank
What is Coastal Community Bank's mortgage approval rate?
Coastal Community Bank approved 97.7% of the 47,374 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 34.2 points above the 63.5% national rate for the same mix of loan types.
How often do borrowers take the loan Coastal Community Bank offers?
Borrowers accepted 37% of the loans Coastal Community Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Coastal Community Bank make?
The typical home improvement loan loan Coastal Community Bank made was $55K; across all loan types its typical loan ran from $55K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Coastal Community Bank lend?
Coastal Community Bank decided applications in 42 of the states Fat Boy Data covers, most of them in California, Florida and Illinois.
Can I apply to Coastal Community Bank directly?
Yes. Coastal Community Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Coastal Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Coastal Community Bank treats applications, then get a rate quote from the lender.