Coastal Community Bank in Michigan vs the state
1.6%Denial rate-16.88 pts vs state
2.4%Decision denial rate-20.21 pts vs state
22.6%Origination rate-37.30 pts vs state
10.49%Median rate+3.74 pts vs state
3.25Rate spread (pts)+2.85 pts vs state
$104kMedian applicant income
772Loans originated
56Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,446 | 580 | 1.2% | 14.24% | #49 |
| 2024 | 2,413 | 514 | 1.4% | 12.99% | #36 |
| 2025 | 3,418 | 772 | 1.6% | 10.49% | #25 |
What Coastal Community Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 634 | 125 | 18 | 2.8% |
| Oakland County | 519 | 126 | 6 | 1.2% |
| Macomb County | 336 | 69 | 6 | 1.8% |
| Kent County | 199 | 43 | 4 | 2.0% |
| Genesee County | 159 | 32 | 3 | 1.9% |
| Washtenaw County | 106 | 27 | 0 | 0.0% |
| Ottawa County | 87 | 27 | 1 | 1.1% |
| Ingham County | 76 | 15 | 3 | 3.9% |
| Kalamazoo County | 75 | 15 | 1 | 1.3% |
| Livingston County | 71 | 17 | 1 | 1.4% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 3,418 applications in 2025, of which 772 were originated and 56 denied.
1.6% of all applications, or 2.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Coastal Community Bank originated in Michigan in 2025 was 10.49%, against a statewide median of 6.75%.
About this data. Figures are Coastal Community Bank's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology