Coastal Community Bank in Alabama vs the state
2.4%Denial rate-17.47 pts vs state
3.3%Decision denial rate-21.73 pts vs state
25.4%Origination rate-30.02 pts vs state
10.49%Median rate+3.99 pts vs state
3.21Rate spread (pts)+2.92 pts vs state
$110kMedian applicant income
416Loans originated
39Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 754 | 298 | 1.2% | 14.24% | #55 |
| 2024 | 1,259 | 271 | 1.5% | 12.49% | #37 |
| 2025 | 1,640 | 416 | 2.4% | 10.49% | #30 |
What Coastal Community Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 215 | 67 | 9 | 4.2% |
| Madison County | 184 | 44 | 0 | 0.0% |
| Mobile County | 141 | 33 | 6 | 4.3% |
| Shelby County | 134 | 39 | 4 | 3.0% |
| Baldwin County | 96 | 22 | 1 | 1.0% |
| Lee County | 78 | 19 | 1 | 1.3% |
| Montgomery County | 66 | 17 | 1 | 1.5% |
| Etowah County | 51 | 15 | 1 | 2.0% |
| Morgan County | 47 | 12 | 0 | 0.0% |
| Houston County | 46 | 8 | 2 | 4.3% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 1,640 applications in 2025, of which 416 were originated and 39 denied.
2.4% of all applications, or 3.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Coastal Community Bank originated in Alabama in 2025 was 10.49%, against a statewide median of 6.50%.
About this data. Figures are Coastal Community Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology