Coastal Community Bank in Utah vs the state
1.9%Denial rate-14.10 pts vs state
2.7%Decision denial rate-16.53 pts vs state
22.3%Origination rate-40.92 pts vs state
9.99%Median rate+3.37 pts vs state
2.65Rate spread (pts)+2.41 pts vs state
$140kMedian applicant income
252Loans originated
21Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 219 | 0.0% | 14.49% | #49 |
| 2024 | 843 | 178 | 1.8% | 12.49% | #35 |
| 2025 | 1,129 | 252 | 1.9% | 9.99% | #29 |
What Coastal Community Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 359 | 87 | 8 | 2.2% |
| Utah County | 284 | 61 | 7 | 2.5% |
| Davis County | 116 | 36 | 2 | 1.7% |
| Washington County | 94 | 20 | 1 | 1.1% |
| Weber County | 73 | 16 | 1 | 1.4% |
| Cache County | 34 | 4 | 1 | 2.9% |
| Summit County | 30 | 5 | 1 | 3.3% |
| Tooele County | 30 | 6 | 0 | 0.0% |
| Iron County | 22 | 2 | 0 | 0.0% |
| Uintah County | 17 | 3 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 1,129 applications in 2025, of which 252 were originated and 21 denied.
1.9% of all applications, or 2.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Coastal Community Bank originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology