Coastal Community Bank in California vs the state
2.7%Denial rate-14.69 pts vs state
4.2%Decision denial rate-18.22 pts vs state
19.1%Origination rate-37.15 pts vs state
9.99%Median rate+3.37 pts vs state
2.70Rate spread (pts)+2.43 pts vs state
$155kMedian applicant income
3,015Loans originated
432Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,325 | 1,829 | 2.4% | 12.99% | #40 |
| 2024 | 12,826 | 2,700 | 1.9% | 11.74% | #14 |
| 2025 | 15,830 | 3,015 | 2.7% | 9.99% | #11 |
What Coastal Community Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 3,418 | 607 | 128 | 3.7% |
| Riverside County | 1,655 | 358 | 40 | 2.4% |
| Orange County | 1,298 | 236 | 36 | 2.8% |
| San Diego County | 1,240 | 205 | 24 | 1.9% |
| San Bernardino County | 1,165 | 230 | 37 | 3.2% |
| Sacramento County | 745 | 147 | 12 | 1.6% |
| Contra Costa County | 629 | 125 | 17 | 2.7% |
| Santa Clara County | 569 | 99 | 11 | 1.9% |
| Alameda County | 537 | 85 | 7 | 1.3% |
| San Joaquin County | 459 | 88 | 22 | 4.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 15,830 applications in 2025, of which 3,015 were originated and 432 denied.
2.7% of all applications, or 4.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Coastal Community Bank originated in California in 2025 was 9.99%, against a statewide median of 6.63%.
About this data. Figures are Coastal Community Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology