Coastal Community Bank in North Carolina vs the state
1.7%Denial rate-16.41 pts vs state
2.3%Decision denial rate-20.54 pts vs state
23.7%Origination rate-34.16 pts vs state
10.24%Median rate+3.74 pts vs state
3.08Rate spread (pts)+2.99 pts vs state
$120kMedian applicant income
962Loans originated
67Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 2,825 | 665 | 1.4% | 12.24% | #35 |
| 2025 | 4,068 | 962 | 1.7% | 10.24% | #27 |
What Coastal Community Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 535 | 122 | 5 | 0.9% |
| Wake County | 493 | 109 | 6 | 1.2% |
| Guilford County | 237 | 61 | 4 | 1.7% |
| Union County | 197 | 42 | 5 | 2.5% |
| Forsyth County | 141 | 35 | 2 | 1.4% |
| Cumberland County | 134 | 21 | 1 | 0.7% |
| Iredell County | 133 | 30 | 1 | 0.8% |
| Cabarrus County | 126 | 27 | 4 | 3.2% |
| Johnston County | 122 | 30 | 1 | 0.8% |
| New Hanover County | 117 | 24 | 5 | 4.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 4,068 applications in 2025, of which 962 were originated and 67 denied.
1.7% of all applications, or 2.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Coastal Community Bank originated in North Carolina in 2025 was 10.24%, against a statewide median of 6.50%.
About this data. Figures are Coastal Community Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology