In recent times, with mortgage rates at low levels, financial institutions have had to provide more customer convenience. One of the innovations offered by Coastal National Bank and Trust is online entry of mortgage applications. Listed below are the times, in minutes, for eight customers to complete the application process for a 15-year fixed-rate mortgage and the times for nine customers to complete an application for a 30-year fixed-rate mortgage. 15 years, fixed rate 70, 76, 72, 66, 21, 61, 44, 40 30 years, fixed rate 29, 44, 40, 31, 49, 44, 57, 40, 54