COASTAL Federal Credit Union
COASTAL Federal Credit Union received 5,339 applications in 2025 and made 3,212 mortgages, in 164 counties across 23 states. The median rate its borrowers got was 7.400% on a median loan of $125,000. Of 5,063 decisions, 1,465 were denials — 28.9%, most often for debt-to-income ratio. 17 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300MRP46SVQMWOE81 |
|---|---|
| Applications received | 5,339 |
| Mortgages made | 3,212 |
| Denied | 1,465 |
| Approved, not taken up | 386 |
| Withdrawn or incomplete | 276 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 637 | 6.500% | $375,000 | 6.9% |
| Refinancing | 557 | 7.490% | $155,000 | 25.6% |
| Cash-out refinancing | 94 | 6.500% | $325,000 | 9.6% |
| Other purposes | 1,924 | 7.500% | $95,000 | 34.9% |
Where COASTAL Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wake County, NC | 1,659 | 7.400% | 24.4% |
| Durham County, NC | 289 | 7.400% | 27.3% |
| Johnston County, NC | 246 | 7.500% | 30.0% |
| Franklin County, NC | 95 | 7.400% | 28.5% |
| Orange County, NC | 91 | 7.400% | 19.4% |
| Harnett County, NC | 66 | 7.400% | 34.2% |
| Mecklenburg County, NC | 66 | 7.490% | 36.0% |
| Chatham County, NC | 60 | 7.490% | 19.1% |
| Nash County, NC | 44 | 7.500% | 42.1% |
| New Hanover County, NC | 44 | 7.350% | 24.6% |
| Granville County, NC | 41 | 7.400% | 27.7% |
| Alamance County, NC | 36 | 7.613% | 42.0% |
| Brunswick County, NC | 35 | 6.750% | 11.1% |
| Cabarrus County, NC | 24 | 7.870% | 30.8% |
| Guilford County, NC | 24 | 7.500% | 40.9% |
| Vance County, NC | 23 | 7.400% | 49.0% |
| Carteret County, NC | 20 | 6.063% | 23.1% |
| Lee County, NC | 17 | 7.350% | 35.7% |
| Wilson County, NC | 17 | 7.500% | 36.7% |
| Forsyth County, NC | 16 | 7.750% | 33.3% |
| Cumberland County, NC | 15 | 7.750% | 45.2% |
| Iredell County, NC | 14 | 7.525% | 36.4% |
| Union County, NC | 13 | 7.350% | 37.9% |
| Buncombe County, NC | 12 | 7.320% | 40.9% |
| Person County, NC | 12 | 7.400% | 28.6% |
| Pender County, NC | 11 | 6.375% | 25.0% |
| Randolph County, NC | 10 | 6.813% | 16.7% |
| Wayne County, NC | 9 | Under 10 loans | 40.0% |
| Gaston County, NC | 8 | Under 10 loans | 42.9% |
| Moore County, NC | 8 | Under 10 loans | 40.0% |
| Pitt County, NC | 8 | Under 10 loans | 42.9% |
| Davidson County, NC | 7 | Under 10 loans | 53.3% |
| Halifax County, NC | 7 | Under 10 loans | 27.3% |
| Lincoln County, NC | 7 | Under 10 loans | 11.1% |
| Watauga County, NC | 7 | Under 10 loans | 0.0% |
| Horry County, SC | 7 | Under 10 loans | 27.3% |
| York County, SC | 7 | Under 10 loans | 22.2% |
| Ashe County, NC | 6 | Under 10 loans | 0.0% |
| Dare County, NC | 6 | Under 10 loans | 33.3% |
| Edgecombe County, NC | 6 | Under 10 loans | 50.0% |
| Burke County, NC | 5 | Under 10 loans | 16.7% |
| Caldwell County, NC | 5 | Under 10 loans | 33.3% |
| Henderson County, NC | 5 | Under 10 loans | 0.0% |
| Rowan County, NC | 5 | Under 10 loans | 28.6% |
| Catawba County, NC | 4 | Under 10 loans | 63.6% |
| Onslow County, NC | 4 | Under 10 loans | 66.7% |
| Pamlico County, NC | 4 | Under 10 loans | 20.0% |
| Sampson County, NC | 4 | Under 10 loans | 42.9% |
| Stanly County, NC | 4 | Under 10 loans | 33.3% |
| Warren County, NC | 4 | Under 10 loans | 42.9% |
Get told when this changes
When COASTAL Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.