# COASTAL LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/coastal-loans

> **📋 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 🙂
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |

### 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 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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