Gold Coast Bank mortgage approval rate & lending review
Gold Coast Bank decided 731 mortgage applications and funded 697 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gold Coast Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gold Coast Bank at a glance
Approval is 13.3 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 421 / 435 | 98% | $445K | 413 |
| Cash-out refinance | 94% | 30 / 32 | 97% | $425K | 29 |
| Refinance | 98% | 123 / 126 | 96% | $545K | 118 |
| Investment property purchase | 99% | 100 / 101 | 100% | $415K | 100 |
Gold Coast Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 97% | $445K | 631 | 601 |
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 Gold Coast Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Refinance | 98% | 91 | 84 |
| Cook County, IL | Investment property purchase | 99% | 68 | 67 |
The county markets where Gold Coast Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Gold Coast Bank
What is Gold Coast Bank's mortgage approval rate?
Gold Coast Bank approved 97.3% of the 731 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan Gold Coast Bank offers?
Borrowers accepted 98% of the loans Gold Coast Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gold Coast Bank make?
The typical home purchase mortgage loan Gold Coast Bank made was $445K; across all loan types its typical loan ran from $415K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gold Coast Bank lend?
Gold Coast Bank decided applications in 23 of the states Fat Boy Data covers, most of them in Illinois, Florida and Arizona.
Can I apply to Gold Coast Bank directly?
Yes. Gold Coast Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gold Coast 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 Gold Coast Bank treats applications, then get a rate quote from the lender.