Applications / Mortgage Analytics / Lenders / South Carolina / Coastal States Bank
Hilton Head Island, SC · State member bank · FRS · $2.3 billion assets · 64 loans in 2025
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64
loans originated, 2025
73
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coastal States Bank makes big purchase loans, more than a third of them jumbo, and raised its loan count by 52% in 2025.
Home purchases made up 89.1% of its loans. Its typical loan was $595,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), higher than about nine in ten. 37.7% of its loans were jumbo (larger than the conforming limit), against 2.2%, among the highest of the group.
It made 64 loans, up from 42, while similar banks grew by 9% and the whole market by 10%; its growth was faster than more than four in five of them. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
In Hilton Head Island-Bluffton-Port Royal it ranks 21 of 489 lenders, and its share rose to 1.1% from 0.8%. Northpoint Mortgage and TD Bank lead there. In Brunswick-St. Simons its share rose to 1.0% from 0.3%, ranking it 23 of 271.
8.9% of its borrowers had low or moderate incomes (LMI), against 26.0% at similar banks, and 3.2% of its loans were in LMI neighborhoods, against 17.7%. Its large purchase loans, many of them jumbo, may explain both.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 States Bank took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.1% · Refinance 9.4% · Home improvement 1.6%
Conventional 100.0% · of 64 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 |
|---|---|---|
| South Carolina | 54 | 84.4% |
| Georgia | 9 | 14.1% |
| Florida | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hilton Head Island-Bluffton-Port Royal | 54 |
| Atlanta-Sandy Springs-Roswell | 7 |
| Brunswick-St. Simons | 1 |
| Jacksonville | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EPUJMYHHCZPS30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3274709 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357756 | 2014–2016 |
Established 9 August 2004. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Coastal States Bank's data.
Coastal States Bank's data
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