Purchase Originations
517
Ranked #610 nationally
Median Total Costs
$4,016
−39.9% vs national ($6,680)
↓ $401 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,250
Median Lender Credits
$164
Cost Rank (500+ vol.)
#111
among lenders with 500+ originations
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 517 | 6.375% | $4,016 | $1,250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 506 | 6.375% | $3,991 | #58 |
| South Carolina | 6 | 6.562% | $4,103 | — |
| Virginia | 5 | 6.625% | $7,569 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,936 | 6.375% | — | 5 | −$1,080 | |
| 2 | $3,357 | 6.625% | — | 4 | −$659 | |
| 3 | $3,796 | 6.375% | — | 216 | −$220 | |
| 4 | $3,902 | 6.250% | — | 9 | −$114 | |
| 5 | $3,918 | 6.250% | — | 27 | −$98 | |
| 6 | $3,921 | 6.438% | — | 54 | −$95 | |
| 7 | $3,939 | 6.250% | — | 15 | −$77 | |
| 8 | $3,943 | 6.625% | — | 5 | −$73 | |
| 9 | $3,991 | 5.875% | — | 4 | −$25 | |
| 10 | $3,994 | 6.500% | — | 32 | −$22 | |
| 11 | $4,250 | 6.188% | — | 10 | +$234 | |
| 12 | $4,569 | 6.625% | — | 4 | +$553 | |
| 13 | $4,789 | 6.625% | — | 11 | +$773 | |
| 14 | $4,925 | 6.750% | — | 11 | +$909 | |
| 15 | $4,987 | 6.500% | — | 12 | +$971 | |
| 16 | $5,045 | 6.312% | — | 4 | +$1,029 | |
| 17 | $5,068 | 6.500% | — | 19 | +$1,052 | |
| 18 | $5,091 | 6.125% | — | 6 | +$1,075 | |
| 19 | $5,117 | 6.812% | — | 6 | +$1,101 | |
| 20 | $6,108 | 6.500% | — | 10 | +$2,092 |
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 | COASTAL Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $4,016 | $7,127 | −$3,111 (−43.7%) |
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.