COASTAL LOANS, LLC
COASTAL LOANS, LLC received 1,033 applications in 2025 and made 811 mortgages, in 25 counties across 2 states. The median rate its borrowers got was 4.990% on a median loan of $315,000. Of 876 decisions, 55 were denials — 6.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CZ48D9RNN5TA64 |
|---|---|
| Applications received | 1,033 |
| Mortgages made | 811 |
| Denied | 55 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 157 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.99 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 | 808 | 4.990% | $315,000 | 6.2% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where COASTAL LOANS, LLC lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Lucie County, FL | 125 | 4.990% | 6.0% |
| Brevard County, FL | 124 | 4.990% | 3.9% |
| Flagler County, FL | 86 | 4.990% | 4.4% |
| Lee County, FL | 80 | 4.990% | 10.1% |
| Santa Rosa County, FL | 73 | 4.990% | 1.3% |
| Polk County, FL | 61 | 4.990% | 14.1% |
| Citrus County, FL | 41 | 4.990% | 2.3% |
| Sarasota County, FL | 40 | 4.990% | 4.8% |
| Marion County, FL | 35 | 4.990% | 5.3% |
| Charlotte County, FL | 33 | 4.990% | 8.3% |
| Indian River County, FL | 30 | 4.990% | 9.1% |
| Okeechobee County, FL | 25 | 5.990% | 13.8% |
| St. Johns County, FL | 17 | 4.990% | 0.0% |
| Walton County, FL | 15 | 4.990% | 0.0% |
| Glades County, FL | 7 | Under 10 loans | 12.5% |
| Bay County, FL | 5 | Under 10 loans | 0.0% |
| Escambia County, FL | 4 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Hernando County, FL | 2 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Orange County, FL | 1 | Under 10 loans | 50.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
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When COASTAL LOANS, LLC’s figures are published for the next year, or restated.
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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.