Purchase Originations
153
Median Total Costs
$5,963
−10.7% vs national ($6,680)
↓ $298 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.365% vs prior year
Median Origination
$2,378
Median Lender Credits
$255
Denial Rate
7.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.688% | $5,265 | $2,183 |
| fha | 31 | 6.740% | $10,558 | $2,948 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 73 | 6.740% | $5,488 | #161 |
| Florida | 57 | 6.625% | $7,087 | #307 |
| Michigan | 11 | 6.250% | $4,930 | — |
| Illinois | 5 | 6.500% | $10,164 | — |
| New Mexico | 5 | 6.990% | $4,126 | — |
| Georgia | 1 | 6.990% | $3,645 | — |
| Pennsylvania | 1 | 6.990% | $5,325 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,846 | 7.245% | — | 2 | −$2,117 | |
| 2 | $4,325 | 6.750% | — | 7 | −$1,638 | |
| 3 | $4,552 | 7.125% | — | 5 | −$1,411 | |
| 4 | $5,226 | 6.058% | — | 2 | −$737 | |
| 5 | $5,342 | 6.750% | — | 7 | −$621 | |
| 6 | $5,437 | 6.740% | — | 7 | −$526 | |
| 7 | $5,702 | 6.375% | — | 9 | −$261 | |
| 8 | $5,728 | 6.625% | — | 9 | −$235 | |
| 9 | $5,797 | 5.745% | — | 2 | −$166 | |
| 10 | $5,907 | 6.562% | — | 2 | −$56 | |
| 11 | $6,005 | 6.812% | — | 22 | +$42 | |
| 12 | $6,104 | 6.500% | — | 10 | +$141 | |
| 13 | $6,575 | 6.250% | — | 3 | +$612 | |
| 14 | $6,845 | 6.500% | — | 13 | +$882 | |
| 15 | $7,497 | 6.562% | — | 12 | +$1,534 | |
| 16 | $8,842 | 6.558% | — | 4 | +$2,879 | |
| 17 | $9,305 | 6.625% | — | 2 | +$3,342 | |
| 18 | $9,506 | 6.495% | — | 2 | +$3,543 | |
| 19 | $10,001 | 6.250% | — | 3 | +$4,038 | |
| 20 | $10,146 | 6.562% | — | 4 | +$4,183 |
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 | Coast One Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $5,963 | $7,127 | −$1,164 (−16.3%) |
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.