Name of the lender

Gold Coast Bank in IllinoisMortgage rates, total loan costs and denial rate for homes in Illinois, 2025

HMDA year2025

Head office: Chicago, IL
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Gold Coast Bank reported 234 applications for homes in Illinois in the HMDA data of 2025.

It originated 221 loans in the state in 2025, for $122 million in total.

The lender filed the interest rate as “Exempt” for all of its 221 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Illinois, because fewer than 20 loans report the amount.

It denied 2.6% of the applications that it decided in the state in 2025, and the state denial rate was 21.7%.

Filed figures of Gold Coast Bank in Illinois, 2025
Figure	In IL	Lender, all states	IL, all lenders
Applications	234	268	395,939
Loans originated	221	253	232,591
Median interest rate	n/a	n/a	6.500%
Median total loan costs	n/a	n/a	$5,928
Denial rate	2.6%	3.1%	21.7%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in IL

Median interest rate in ILExempt

The lender filed the interest rate as “Exempt” for all of its 221 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Illinois by the action taken
Action taken	Records	Share
1Loan originated	221	94.4%
2Application approved but not accepted	1	0.4%
3Application denied	6	2.6%
4Application withdrawn by applicant	6	2.6%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Illinois by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	229	218	2.2%
FHA-insured	5	3	n/a

Counties in Illinois

Counties of Gold Coast Bank in Illinois with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Cook County	189	178	$103 million	2.7%

Figures by year

Gold Coast Bank in Illinois by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	234	221	$122 million	n/a	n/a	2.6%
2024	224	202	$106 million	n/a	n/a	1.9%
2023	223	199	$110 million	n/a	n/a	3.3%
2022	331	301	$165 million	n/a	n/a	1.0%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Gold Coast Bank in Illinois: mortgage rates, 2025", https://lenderregister.com/lender/5493003x9fwfi47dpo39-gold-coast-bank/il/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Illinois. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Gold Coast Bank were in Illinois in 2025?: 221 of its loans originated, out of 253 in all states. That is 87.4%.
In which counties of Illinois did Gold Coast Bank originate the most loans in 2025?: Only one county has 50 applications or more of the lender: Cook County, with 178 loans originated.
Which loan types did Gold Coast Bank originate in Illinois in 2025?: 218 conventional and 3 FHA.
How did the applications of Gold Coast Bank in Illinois change from 2022 to 2025?: It reported 331 applications in 2022 and 234 in 2025.