Coastal Community Bank in Kentucky vs the state
1.5%Denial rate-17.30 pts vs state
2.1%Decision denial rate-21.40 pts vs state
22.2%Origination rate-35.81 pts vs state
10.99%Median rate+4.24 pts vs state
3.79Rate spread (pts)+3.48 pts vs state
$102kMedian applicant income
309Loans originated
21Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 652 | 254 | 2.2% | 14.49% | #61 |
| 2024 | 1,139 | 305 | 1.3% | 12.99% | #38 |
| 2025 | 1,390 | 309 | 1.5% | 10.99% | #36 |
What Coastal Community Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 274 | 59 | 1 | 0.4% |
| Fayette County | 107 | 25 | 3 | 2.8% |
| Boone County | 82 | 12 | 3 | 3.7% |
| Kenton County | 81 | 25 | 2 | 2.5% |
| Warren County | 58 | 9 | 0 | 0.0% |
| Oldham County | 44 | 9 | 1 | 2.3% |
| Hardin County | 42 | 7 | 1 | 2.4% |
| Madison County | 38 | 8 | 0 | 0.0% |
| Bullitt County | 36 | 8 | 1 | 2.8% |
| McCracken County | 36 | 9 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,390 applications in 2025, of which 309 were originated and 21 denied.
1.5% of all applications, or 2.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Coastal Community Bank originated in Kentucky in 2025 was 10.99%, against a statewide median of 6.75%.
About this data. Figures are Coastal Community Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology