# COASTAL LOANS, LLC > **Canonical URL:** https://saferate.com/lenders/coastal-loans > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible COASTAL LOANS, LLC is a independent mortgage company, headquartered in TALLAHASSEE, FL, serving borrowers across 2 states, with 1,082 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 78% of lenders for competitive rates - **Approval Rate:** Ranks in the top 16% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300CZ48D9RNN5TA64 - **Headquarters:** TALLAHASSEE, FL - **Geographic Reach:** Regional - **States Served:** 2 - **State List:** AL, FL - **Markets (MSAs):** 13 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 22/100 - Rating: ●●○○○ (2/5) ### Pull Through: Exceptional 🀩 - Score: 84/100 - Rating: ●●●●● (5/5) ### Pricing Details - **Average Rate Spread:** +0.077% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $5,956 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,082 - **Dollar Volume:** $341 million - **Applications Received:** 1,340 - **Market Share:** 3.00% ## Typical Borrower Profile - **Average Loan Amount:** $314,732 - **Average Borrower Income:** $94,512 - **Average Property Value:** $348,309 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (69%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 52/100 | 233 | +0.220% | $5,453 | Sound ☺️ | | FHA | 80/100 | 679 | +0.028% | $6,351 | Exceptional 🀩 | | VA | 75/100 | 167 | -0.569% | $3,968 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 231 loans, Score: 55/100 (Sound) **FHA:** - Purchase: 679 loans, Score: 81/100 (Exceptional) **VA:** - Purchase: 167 loans, Score: 75/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 71/100 | 1,080 | $340M | +0.079% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | FL | 1,075 | 0.37% | 83/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Port St. Lucie, FL | FL | 220 | 91/100 | | Palm Bay | FL | 193 | 85/100 | | Cape Coral | FL | 115 | 74/100 | | Deltona | FL | 113 | 79/100 | | Pensacola | FL | 93 | 76/100 | | Lakeland | FL | 77 | 71/100 | | Ocala, FL | FL | 63 | 71/100 | | North Port | FL | 57 | 66/100 | | Punta Gorda, FL | FL | 47 | 72/100 | | Sebastian | FL | 36 | 76/100 | | Crestview | FL | 22 | 54/100 | | Non | | 17 | 24/100 | | Homosassa Springs, FL | FL | 16 | 53/100 | ## Where This Lender Ranks COASTAL LOANS, LLC appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#6** in Port St. Lucie, FL - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders) - πŸ† **#6** in Port St. Lucie, FL Mortgage Companies - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Palm Bay Mortgage Companies - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in Port St. Lucie, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Palm Bay for FHA Loans - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/fha-loans) - πŸ† **#7** in Palm Bay for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Sebastian for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Port St. Lucie, FL for FHA Loans - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Cape Coral for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Sebastian Mortgage Companies - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in Sebastian for FHA Loans - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/fha-loans) - πŸ† **#9** in Sebastian for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#10** in Sebastian for VA Loans - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/va-loans) - πŸ† **#11** in Palm Bay - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders) - πŸ† **#11** in Cape Coral for FHA Loans - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/fha-loans) - πŸ† **#11** in Punta Gorda, FL Mortgage Companies - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/mortgage-companies) - πŸ† **#11** in Punta Gorda, FL for FHA Loans - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/fha-loans) - πŸ† **#11** in Punta Gorda, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#11** in Punta Gorda, FL for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#12** in Ocala, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/fha-loans) ## Frequently Asked Questions ### What loan types does COASTAL LOANS, LLC offer? COASTAL LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does COASTAL LOANS, LLC offer mortgages? COASTAL LOANS, LLC offers mortgages in 2 states: AL, FL. ### How competitive are COASTAL LOANS, LLC's mortgage rates? COASTAL LOANS, LLC has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.077% above market average. ### What type of lender is COASTAL LOANS, LLC? COASTAL LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in TALLAHASSEE, FL. ### What is COASTAL LOANS, LLC's loan approval success rate? COASTAL LOANS, LLC has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/coastal-loans ### How to Cite > "COASTAL LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/coastal-loans --- **[View Interactive Profile β†’](https://saferate.com/lenders/coastal-loans)**