Faster than most peers
The 14% rise compares with 7% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It grew faster than about three in five of those peers.
Applications / Mortgage Analytics / Lenders / Florida / Coastline Home Mortgage
Coastline Home Mortgage
Jacksonville, FL · Credit union · NCUA · $131 million assets · 82 loans in 2025
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82
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coastline Home Mortgage, a Jacksonville credit union, is growing again. Its 82 loans in 2025 were 14% more than in 2024, though still well short of the 184 it made in 2020.
Refinances and other loans
Refinances made up 39.0% of its loans and other purposes 37.8%. Home purchases were 22.0%, and all loans were conventional. Its typical loan was $105,000, against $95,000 at similar lenders. It also bought 13 loans, up from 4 in 2024, while most similar lenders bought none.
Fewer loans in poorer neighborhoods
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 9.3% of its loans, down from 25.7% in 2024. That is lower than at about five in six similar lenders, where the share was 17.2%. On 82 loans a few loans move such a share. Its first lending in Cape Coral-Fort Myers, in 2025, may also have changed where its loans fall.
A small player in Jacksonville
In Jacksonville, where it has lent since at least 1990, it ranked 162 of 715 lenders with 0.1% of the market, unchanged. United Wholesale Mortgage, Rocket Mortgage and VyStar Credit Union led.
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
82 loans in 2025, against a peak of 184 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coastline Home Mortgage took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
39.0% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 39.0% · Other 37.8% · Purchase 22.0% · Home improvement 1.2%
Conventional 100.0% · of 82 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
1 state, 5 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Florida | 77 | 93.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jacksonville | 72 |
| Cape Coral-Fort Myers | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VUE5T1INQKZ414 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 637778 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51115 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Coastline Home Mortgage's data.
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