Purchase Originations
613
Ranked #556 nationally
Median Total Costs
$5,276
−21.0% vs national ($6,680)
↑ $627 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,590
Median Lender Credits
$750
Cost Rank (500+ vol.)
#220
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 544 | 6.500% | $5,154 | $1,590 |
| fha | 44 | 5.875% | $12,739 | $1,369 |
| va | 25 | 6.000% | $9,943 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 333 | 6.500% | $5,262 | #33 |
| Rhode Island | 233 | 6.500% | $5,260 | #11 |
| Connecticut | 23 | 6.375% | $5,500 | — |
| Florida | 9 | 6.375% | $7,148 | — |
| New Hampshire | 8 | 6.500% | $8,328 | — |
| South Carolina | 3 | 6.375% | $4,434 | — |
| New Jersey | 2 | 6.312% | $7,432 | — |
| Pennsylvania | 1 | 6.250% | $4,576 | — |
| Virginia | 1 | 6.000% | $4,280 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,542 | 6.562% | — | 4 | −$734 | |
| 2 | $4,825 | 6.625% | — | 7 | −$451 | |
| 3 | $4,903 | 6.375% | — | 7 | −$373 | |
| 4 | $5,022 | 6.312% | — | 34 | −$254 | |
| 5 | $5,094 | 6.500% | — | 111 | −$182 | |
| 6 | $5,120 | 6.375% | — | 195 | −$156 | |
| 7 | $5,296 | 6.375% | — | 3 | +$20 | |
| 8 | $5,307 | 6.500% | — | 12 | +$31 | |
| 9 | $5,357 | 6.125% | — | 24 | +$81 | |
| 10 | $5,372 | 6.625% | — | 37 | +$96 | |
| 11 | $5,378 | 6.625% | — | 38 | +$102 | |
| 12 | $5,470 | 6.500% | — | 23 | +$194 | |
| 13 | $5,485 | 6.375% | — | 26 | +$209 | |
| 14 | $5,504 | 6.250% | — | 5 | +$228 | |
| 15 | $5,793 | 6.375% | — | 24 | +$517 | |
| 16 | $6,254 | 6.750% | — | 11 | +$978 | |
| 17 | $7,762 | 6.750% | — | 9 | +$2,486 | |
| 18 | $8,250 | 6.375% | — | 3 | +$2,974 | |
| 19 | $8,534 | 6.625% | — | 7 | +$3,258 | |
| 20 | $10,284 | 6.188% | — | 6 | +$5,008 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Baycoast Mortgage Company, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $465,000 | $335,000 | +$130,000 (+38.8%) |
| Median total closing costs | $5,276 | $7,127 | −$1,851 (−26.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.