Gold Coast Bank Mortgage Rates, Fees & Info

Chicago, IL

LEI: 5493003X9FWFI47DPO39

Tax ID: 20-8688354

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Gold Coast Bank is a smaller bank specializing in Refi and Home Purchase loans. Gold Coast Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Los Angeles, Phoenix, Miami, and Boston among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Gold Coast Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Gold Coast Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.04% 4/18/24
    30 Year Conventional Refi 6.04% 4/18/24
    30 Year Cash-out Refi 6.12% 4/18/24
    30 Year FHA Purchase 6.83% 4/18/24
    30 Year FHA Refi 6.78% 4/18/24
    15 Year Conventional Purchase 5.62% 4/18/24
    15 Year Conventional Refi 5.03% 4/18/24
    15 Year Cash-out Refi 5.03% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Gold Coast Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Gold Coast Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    839

    Origination Dollar Volume (All Markets)

    $393,885,000

    Employee count

    39

    Awards

    Gold Coast Bank 30 Year Conventional Loans silver Gold Coast Bank FHA Loans bronze Gold Coast Bank 30 Year Conventional Loans silver
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 693 $312,885,000 $451,494 $4,468 3.02%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $9,165,000 $1,018,333 $4,913 3.29%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $8,365,000 $929,444 $6,317 2.96%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 11 $8,235,000 $748,636 $9,789 3.06%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $4,870,000 $1,217,500 $5,914 3.44%
    NILES, MI (FHA|USDA|VA) 7 $3,865,000 $552,143 $6,293 3.38%
    Outside of Metro Areas 11 $3,625,000 $329,545 $3,023 3.09%
    Key West, FL (FHA|USDA|VA) 1 $2,705,000 $2,705,000 $14,732 2.75%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,430,000 $405,000 $3,371 2.71%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $2,290,000 $572,500 $10,807 2.97%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $2,190,000 $1,095,000 $2,625 3.50%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $2,025,000 $675,000 $2,894 2.79%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $1,895,000 $379,000 $5,317 3.70%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $1,675,000 $558,333 $5,022 3.17%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $1,550,000 $775,000 $6,696 2.50%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,365,000 $455,000 $3,261 2.87%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,433 2.66%
    Whitewater, WI (FHA|USDA|VA) 3 $1,305,000 $435,000 $3,051 3.04%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,240,000 $310,000 $5,985 2.78%
    Kapaa, HI (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $22,332 3.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,165,000 $388,333 $3,305 4.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $9,984 3.25%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $15,108 4.75%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $950,000 $475,000 $8,574 3.31%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $920,000 $460,000 $4,534 3.06%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $890,000 $445,000 $3,335 2.56%
    ROCKFORD, IL (FHA|USDA|VA) 3 $885,000 $295,000 $4,511 3.04%
    Seneca, SC (FHA|USDA|VA) 1 $885,000 $885,000 $5,509 2.75%
    BOULDER, CO (FHA|USDA|VA) 2 $840,000 $420,000 $3,101 2.50%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $740,000 $370,000 $3,415 2.93%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $610,000 $305,000 $3,963 3.44%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $610,000 $305,000 $3,062 2.69%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.38%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $545,000 $545,000 $8,967 1.88%
    DOTHAN, AL (FHA|USDA|VA) 1 $545,000 $545,000 $4,155 3.25%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $545,000 $545,000 $4,156 2.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $540,000 $270,000 $2,811 2.75%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $515,000 $515,000 $3,731 2.75%
    AKRON, OH (FHA|USDA|VA) 1 $465,000 $465,000 $3,864 2.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $445,000 $445,000 $4,155 2.38%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $440,000 $220,000 $3,277 2.93%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $395,000 $395,000 $5,166 2.88%
    Dixon, IL (FHA|USDA|VA) 1 $375,000 $375,000 $3,262 2.63%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $375,000 $375,000 $2,872 2.50%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $325,000 $325,000 $4,060 2.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $290,000 $145,000 $3,349 3.81%
    KANKAKEE, IL (FHA|USDA|VA) 2 $290,000 $145,000 $2,540 2.94%
    Breckenridge, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,329 2.88%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $275,000 $275,000 $3,916 2.88%
    Traverse City, MI (FHA|USDA|VA) 1 $265,000 $265,000 $3,964 2.99%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,660 2.88%
    Heber, UT (FHA|USDA|VA) 1 $225,000 $225,000 $3,275 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,376 2.13%
    FLORENCE, SC (FHA|USDA|VA) 2 $200,000 $100,000 $3,549 2.25%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,849 2.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $125,000 $125,000 $3,980 2.88%
    Ada, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.88%
    Holland, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,024 2.50%
    Gold Coast Bank's top markets include Chicago, Los Angeles, Phoenix, Miami, and Boston among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Gold Coast Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
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    Providence Bank & Trust
    Similarity Rank: 1232
    CROWN MORTGAGE COMPANY
    Similarity Rank: 1252
    LOANFLIGHT LENDING, LLC
    Similarity Rank: 1560
    DuPage Credit Union
    Similarity Rank: 1866

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 826 $389,520,000 $471,574 $4,518 3.03%
    FHA 13 $4,365,000 $335,769 $10,462 2.86%

    For 2021, Gold Coast Bank's most frequently originated type of loan was Conventional, with 826 originations. Their 2nd most popular type was FHA, with 13 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 396 $170,560,000 $430,707 $2,982 2.89%
    Home Purchase 336 $183,030,000 $544,732 $7,240 3.18%
    Cash Out Refi 97 $37,315,000 $384,691 $2,787 2.99%
    Home Improvement 7 $1,935,000 $276,429 $6,265 3.79%
    Other 3 $1,045,000 $348,333 $6,349 4.13%

    For 2021, Gold Coast Bank's most frequently cited loan purpose was Refi, with 396 originations. The 2nd most popular reason was Home Purchase, with 336 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 618 $277,740,000 $449,417 $4,320 3.04%
    15 Year 102 $33,290,000 $326,373 $2,869 2.54%
    1 Year 46 $34,120,000 $741,739 $10,728 3.61%
    20 Year 34 $11,280,000 $331,765 $2,874 2.94%
    Other 25 $28,075,000 $1,123,000 $18,469 3.56%
    10 Year 7 $5,795,000 $827,857 $4,445 2.38%
    5 Year 6 $2,030,000 $338,333 $7,309 3.88%
    30+ year 1 $1,555,000 $1,555,000 $0 4.25%

    For 2021, Gold Coast Bank's most frequently cited loan duration was 30 Year, with 618 originations. The 2nd most popular length was 15 Year, with 102 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 611 $262,315,000 $429,321
    $5k+ 46 $54,050,000 $1,175,000
    $<1k 10 $1,830,000 $183,000
    $4k-5k 9 $2,775,000 $308,333
    $3k-4k 6 $2,100,000 $350,000
    $2k-3k 5 $3,095,000 $619,000

    Gold Coast Bank's average total fees were $4,320, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 611 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 394 $167,640,000 $425,482
    3-4% 265 $150,235,000 $566,925
    <2.5% 125 $40,465,000 $323,720
    4-5% 55 $35,545,000 $646,273

    During 2021, Gold Coast Bank's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 394 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 337 $100,315,000 $297,671 $3,654 2.96%
    $400k-600k 269 $131,145,000 $487,528 $4,058 2.99%
    $100k-200k 90 $13,470,000 $149,667 $2,976 2.98%
    $600k-1MM 76 $57,800,000 $760,526 $6,428 3.33%
    $1MM+ 54 $90,210,000 $1,670,556 $13,877 3.36%
    $100,000 or less 13 $945,000 $72,692 $2,348 2.62%

    2021 saw Gold Coast Bank place emphasis on $200k-400k loans with 337 originations, totaling $100,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 238 $169,170,000 $710,798 $6,525 3.10%
    $150k-250k 205 $88,235,000 $430,415 $4,158 2.98%
    $100k-150k 166 $55,370,000 $333,554 $3,449 2.87%
    $75k-100k 77 $23,975,000 $311,364 $4,005 2.85%
    $50k-75k 73 $16,085,000 $220,342 $4,082 2.95%
    $50k or less 17 $4,335,000 $255,000 $4,765 3.21%

    Gold Coast Bank lent most frequently to those with incomes in the $250k+ range, with 238 originations. The second most popular income band? $150k-250k, with 205 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 211 $97,555,000 $462,346 $4,488 2.93%
    30-36% 136 $62,490,000 $459,485 $4,523 3.00%
    <20% 105 $58,365,000 $555,857 $5,352 2.90%
    42% 35 $15,605,000 $445,857 $3,445 3.03%
    44% 33 $12,215,000 $370,152 $3,740 3.06%
    40% 31 $13,595,000 $438,548 $4,274 3.04%
    45% 27 $10,065,000 $372,778 $4,139 3.03%
    41% 27 $9,865,000 $365,370 $3,624 2.99%
    39% 26 $13,520,000 $520,000 $4,575 2.97%
    37% 23 $10,435,000 $453,696 $4,474 2.86%
    36% 23 $12,755,000 $554,565 $5,174 3.11%
    49% 23 $7,795,000 $338,913 $4,052 3.05%
    43% 19 $7,305,000 $384,474 $3,768 3.01%
    46% 18 $6,250,000 $347,222 $3,533 2.85%
    47% 16 $5,540,000 $346,250 $3,355 2.87%
    38% 16 $7,300,000 $456,250 $5,754 3.05%
    50-60% 15 $9,975,000 $665,000 $12,880 3.05%
    48% 10 $3,730,000 $373,000 $4,057 2.79%
    >60% 1 $315,000 $315,000 $9,015 3.25%

    Gold Coast Bank lent most frequently to those with DTI ratios of 20-30%, with 211 originations. The next most common DTI ratio? 30-36%, with 136 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 625 $259,235,000 $414,776 $3,902 2.93%
    Not provided 98 $77,180,000 $787,551 $10,175 3.48%
    Asian 65 $28,295,000 $435,308 $4,369 2.82%
    Not applicable 32 $23,730,000 $741,563 $0 4.03%
    Black 16 $4,800,000 $300,000 $3,807 2.80%
    Native Hawaiian or Islander 3 $645,000 $215,000 $2,785 2.71%

    Approval Rates

    Total approvals of all applications
    98.47%

    Gold Coast Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.85%

    Gold Coast Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 839 $393,885,000 $469,470

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    839 $393,885,000 $469,470

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 72 $25,040,000 $347,778 $3,135 2.99%
    40-60% 186 $90,300,000 $485,484 $4,346 3.01%
    60-80% 423 $210,695,000 $498,097 $4,604 3.09%
    80-100% 145 $62,315,000 $429,759 $5,459 2.91%
    Over 100% 1 $3,005,000 $3,005,000 $32,625 3.25%
    Under 20% 12 $2,530,000 $210,833 $3,375 2.66%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    GOLD STAR MORTGAGE FINANCIAL FHA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Gold Coast Bank 1165 N. Clark Street Suite 200 Chicago, IL 60610 Full Service B&M $378,623

    For 2021, Gold Coast Bank had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $18,018
    Net interest income $14,036
    Total noninterest income $9,396
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $21
    Trading account gains and fees $0
    Additional Noninterest Income $9,375
    Pre-tax net operating income $6,354
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,516
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,516
    Minority interest net income $0
    Net income $4,516
    Sale, conversion, retirement of capital stock, net $28
    Net operating income $4,516

    Gold Coast Bank's gross interest income from loans was $18,018,000.
    Gold Coast Bank's net interest income from loans was $14,036,000.
    Gold Coast Bank's fee based income from loans was $21,000.
    Gold Coast Bank's net income from loans was $4,516,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,982
    Provision for credit losses $1,200
    Total noninterest expense $15,878
    Salaries and employee benefits $13,086
    Premises and equipment expense $425
    Additional noninterest expense $2,367
    Applicable income taxes $1,838
    Net charge-offs $-19
    Cash dividends $3,000

    Gold Coast Bank's interest expense for loans was $3,982,000.
    Gold Coast Bank's payroll and benefits expense were $13,086,000.
    Gold Coast Bank's property, plant and equipment expenses $425,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $397,537
    Deposits held in domestic offices $397,537
    Deposits by Individuals, partnerships, and corporations $294,839
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $8,501
    Deposits by Commercial banks and other depository institutions in U.S. $94,197
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $51,446
    Demand deposits $35,320
    Nontransaction accounts $346,091
    Money market deposit accounts (MMDAs) $167,766
    Other savings deposits (excluding MMDAs) $4,524
    Total time deposits $173,801
    Total time and savings deposits $362,217
    Noninterest-bearing deposits $37,617
    Interest-bearing deposits $359,920
    Retail deposits $356,736
    IRAs and Keogh plan accounts $5,214
    Brokered deposits $35,371
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $464,523
    Cash & Balances due from depository institutions $106,448
    Interest-bearing balances $82,532
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $349,236
    Loan and leases loss allowance $14,853
    Trading account assets $0
    Bank premises and fixed assets $32
    Other real estate owned $2,327
    Goodwill and other intangibles $0
    All other assets $6,480

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $464,523
    Total Liabilities $414,626
    Total deposits $397,537
    Interest-bearing deposits $359,920
    Deposits held in domestic offices $397,537
    % insured (estimated) $56
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $15,034
    Subordinated debt $0
    All other liabilities $2,055

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $349,236
    Loan and leases loss allowance $14,853
    Total loans and leases (domestic) $364,089
    All real estate loans $341,296
    Real estate loans in domestic offices $341,296
    Construction and development loans $37,083
    Residential 1-4 family construction $26,307
    Other construction, all land development and other land $10,776
    Loans secured by nonfarm nonresidential properties $90,855
    Nonfarm nonresidential secured by owner-occupied properties $60,091
    Commercial real estate & other non-farm, non-residential $30,764
    Multifamily residential real estate $22,293
    1-4 family residential loans $191,065
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $21,678
    To non-U.S. addressees $0
    Loans to individuals $2,669
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $2,669
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Gold Coast Bank had $349,236,000 of loans outstanding in 2021. $341,296,000 of loans were in real estate loans. $37,083,000 of loans were in development loans. $22,293,000 of loans were in multifamily mortgage loans. $191,065,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 71 $26,439 $372,380
    Nonfarm, nonresidential loans - <$100k 3 $103 $34,333
    Nonfarm, nonresidential loans - $100-250k 20 $3,106 $155,300
    Nonfarm, nonresidential loans - $250k-1MM 48 $23,230 $483,958
    Commercial & Industrial, US addressed loans - <$1MM 85 $13,959 $164,224
    Commercial & Industrial, US addressed loans - <$100k 42 $1,213 $28,881
    Commercial & Industrial, US addressed loans - $100-250k 17 $2,639 $155,235
    Commercial & Industrial, US addressed loans - $250k-1MM 26 $10,107 $388,731