Lenders › Coastal Community Bank › Florida
Coastal Community Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Coastal Community Bank's 2024 HMDA record for Florida covers 10,011 applications, 2,020 of them originated, worth $126m.
Its denial rate in the state was 2.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 2.5%.
The median rate spread on its Florida originations was 4.1 percentage points (state median 0.3).
Applications in the state were up 73% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Coastal Community Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.7% | 29.0% | 2.5% | 24.3% |
| Median rate spread, pp | 4.1 | 0.3 | 4.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 81.8% | 16.4% | 81.9% | 15.6% |
| Average originated loan | $62k | $359k | $66k | $329k |
| Home purchase share | 0.0% | 62.9% | 0.1% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home improvement 41% (820)Cash-out refinancing 2% (36)Other purpose 58% (1,164)
By type
Conventional 100% (2,020)
Denial reasons as coded
Share of 162 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Broward County | 1,072 | 224 | $15m | 2.6% |
| Miami-Dade County | 1,350 | 191 | $14m | 3.0% |
| Palm Beach County | 869 | 167 | $12m | 3.4% |
| Orange County | 583 | 142 | $9.0m | 2.9% |
| Hillsborough County | 615 | 135 | $8.6m | 3.8% |
| Pinellas County | 408 | 79 | $4.6m | 4.7% |
| Polk County | 389 | 79 | $3.6m | 1.7% |
| Duval County | 344 | 78 | $4.8m | 1.8% |
| Pasco County | 317 | 69 | $4.8m | 3.9% |
| Lee County | 379 | 67 | $4.4m | 1.5% |
| Osceola County | 264 | 67 | $3.7m | 3.2% |
| Volusia County | 301 | 60 | $3.0m | 3.7% |
| Sarasota County | 226 | 55 | $3.0m | 2.2% |
| Lake County | 217 | 53 | $3.1m | 1.5% |
| St. Lucie County | 239 | 47 | $2.5m | 1.4% |
| Seminole County | 217 | 47 | $2.9m | 0.7% |
| Brevard County | 240 | 44 | $2.6m | 5.5% |
| Marion County | 176 | 38 | $1.9m | 2.0% |
| Manatee County | 177 | 36 | $2.1m | 2.6% |
| Collier County | 173 | 30 | $2.1m | 2.9% |
| St. Johns County | 144 | 29 | $1.7m | 2.0% |
| Clay County | 100 | 25 | $1.5m | 0.0% |
| Martin County | 83 | 25 | $1.6m | 0.0% |
| Santa Rosa County | 76 | 23 | $1.4m | 1.7% |
| Indian River County | 84 | 21 | $1.5m | 0.0% |
| Leon County | 80 | 20 | $1.0m | 1.7% |
| Okaloosa County | 62 | 17 | $785k | 2.4% |
| Alachua County | 52 | 17 | $695k | 0.0% |
| Hernando County | 96 | 16 | $660k | 2.0% |
| Escambia County | 84 | 16 | $870k | 1.8% |
| Bay County | 66 | 16 | $990k | 5.3% |
| Walton County | 44 | 11 | $705k | 0.0% |
| Charlotte County | 80 | 10 | $670k | 0.0% |
| Citrus County | 73 | 10 | $490k | 2.7% |
| Flagler County | 56 | 8 | $300k | 0.0% |
| Nassau County | 38 | 8 | $480k | 0.0% |
| Monroe County | 38 | 7 | $795k | — |
| Highlands County | 38 | 4 | $160k | — |
| Sumter County | 28 | 2 | $80k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Coastal Community Bank originate in Florida in 2024?
2,020 loans totalling $126m, from 10,011 applications reported for properties in Florida.
What is Coastal Community Bank's denial rate in Florida?
2.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 2.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Coastal Community Bank lend in most?
By originations: Broward County (224), Miami-Dade County (191), Palm Beach County (167), Orange County (142), Hillsborough County (135).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.