Applications / Mortgage Analytics / Lenders / Washington / Coastal Community Bank
Everett, WA · State member bank · FRS · $4.7 billion assets · 21,244 loans in 2025
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21,244
loans originated, 2025
93,158
applications, 2025
43
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coastal Community Bank is an unusual mortgage lender: almost none of its 21,244 loans were for home purchase, and its typical loan was $55,000, against $210,000 for similar lenders.
Loans for other purposes made up 55.3% of its lending and home improvement 32.5%; purchase was 0.1%. Its loans reach 1,695 counties in 43 states from an Everett head office, which could point to lending through channels other than local branches.
Higher-priced loans (a rate well above the average for similar loans) were 46.6%, down from 59.7% but higher than at any similar lender (state member banks making between a quarter and four times as many loans), and its typical rate fell from 12.49% to 10.24%. Small home-improvement and other loans may carry higher rates than first mortgages. Its first-lien purchase and refinance applications on owner-occupied homes were too few to give a denial rate.
Originations rose 41% to 21,244, against 10% for the whole market, after 12,464 in 2023 and 15,099 in 2024. It filed no report for 2020 to 2022, a gap in the record rather than years without lending. Its growth was faster than about nine in ten similar lenders, whose typical growth was 9%.
Its largest markets by lending are Los Angeles, Chicago and Seattle, yet it ranks only 146 of 902 in Chicago and 117 of 597 in Seattle. It entered Atlanta and Indianapolis in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Coastal Community Bank took 93,158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 55.3% · Home improvement 32.5% · Refinance 12.2% · Purchase 0.1%
Conventional 100.0% · of 21,244 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 3,015 | 14.2% |
| Florida | 2,383 | 11.2% |
| Ohio | 1,359 | 6.4% |
| Illinois | 1,213 | 5.7% |
| Pennsylvania | 1,032 | 4.9% |
| North Carolina | 962 | 4.5% |
| Virginia | 824 | 3.9% |
| New Jersey | 811 | 3.8% |
| Arizona | 786 | 3.7% |
| Michigan | 772 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 704 |
| Los Angeles-Long Beach-Glendale | 607 |
| Riverside-San Bernardino-Ontario | 588 |
| Phoenix-Mesa-Chandler | 564 |
| Orlando-Kissimmee-Sanford | 354 |
| Arlington-Alexandria-Reston | 331 |
| Minneapolis-St. Paul-Bloomington | 307 |
| Denver-Aurora-Centennial | 298 |
| Charlotte-Concord-Gastonia | 282 |
| Atlanta-Sandy Springs-Roswell | 280 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001GCBD5XGNIC815 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2562164 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334403 | 2000–2007 |
| Respondent ID (the HMDA filer code before 2018) | 22562164 | 2008–2017 |
Established 1 April 1997. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Coastal Community Bank's data.
Coastal Community Bank's data
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