Coastal Community Bank in Florida vs the state
2.3%Denial rate-18.74 pts vs state
3.6%Decision denial rate-23.62 pts vs state
19.2%Origination rate-33.50 pts vs state
9.99%Median rate+3.37 pts vs state
2.79Rate spread (pts)+2.52 pts vs state
$120kMedian applicant income
2,383Loans originated
288Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,783 | 2,163 | 1.4% | 13.99% | #39 |
| 2024 | 10,011 | 2,020 | 1.6% | 12.24% | #23 |
| 2025 | 12,416 | 2,383 | 2.3% | 9.99% | #16 |
What Coastal Community Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 1,539 | 206 | 57 | 3.7% |
| Broward County | 1,347 | 207 | 39 | 2.9% |
| Palm Beach County | 1,001 | 203 | 16 | 1.6% |
| Hillsborough County | 797 | 151 | 16 | 2.0% |
| Orange County | 763 | 162 | 15 | 2.0% |
| Pinellas County | 576 | 104 | 12 | 2.1% |
| Duval County | 449 | 96 | 14 | 3.1% |
| Lee County | 441 | 80 | 4 | 0.9% |
| Pasco County | 416 | 96 | 8 | 1.9% |
| Polk County | 409 | 99 | 12 | 2.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 12,416 applications in 2025, of which 2,383 were originated and 288 denied.
2.3% of all applications, or 3.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Coastal Community Bank originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology