Gold Coast Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
83rd3.1% deniedProcesswithdrawn + incomplete share, weight 15%
88th2.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 266 | 237 | 3.0% | 3.2% | 6.99% | $135M |
| 2024 | 273 | 247 | 1.8% | 2.0% | — | $136M |
| 2025 | 268 | 253 | 3.0% | 3.1% | — | $143M |
What Gold Coast Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 42 investment properties.
Who gets approved at Gold Coast Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 24 | 11.1% |
| $100k – $150k | 41 | 38 | 5.0% |
| $150k – $250k | 52 | 48 | 4.0% |
| Over $250k | 115 | 112 | 0.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 62 | 58 | 4.9% |
| 35–44 | 73 | 71 | 1.4% |
| 45–54 | 55 | 53 | 3.6% |
| 55–64 | 29 | 26 | 3.7% |
Where Gold Coast Bank lends
23 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 234 | 221 | 2.6% | — | #227 |
| California | 6 | 6 | 0.0% | — | #793 |
Frequently asked questions
Gold Coast Bank denied 3.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 32% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.