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Coastal Carolina National Bank
Bank|Myrtle Beach, SC|Regional
Loans Originated
192
Applications
255
Volume
$64 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.692%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,310
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 69 basis points above market average
Report Card
Coastal Carolina National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Regional · 3 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$337,656
Average Borrower Income
$217,547
Average Property Value
$523,281
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 184 | 95.8% | +0.704% | $1,320 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 174 | 90.6% | +0.714% | $1,333 |
Refinance | Acceptable | Acceptable | N/A | Sound | 18 | 9.4% | +0.503% | $1,112 |
Geographic Coverage
Metro Areas
2
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
GANCSCVA
Top Metro Areas by Place Specialization Score
1
Myrtle Beach, SCMSA
Volume: 140Mix: 72.92%
Place Specialization
Exceptional
2
Augusta, GA-SCMSA
Volume: 29Mix: 15.10%
Place Specialization
Strong
Top States by Place Specialization Score
1
SCState
Volume: 186Mix: 96.88%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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