Purchase Originations
145
Median Total Costs
$7,056
+5.6% vs national ($6,680)
↓ $844 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,025
Median Lender Credits
$162
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.875% | $6,183 | $2,025 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 144 | 6.625% | $7,085 | #169 |
| Colorado | 1 | 7.250% | $4,478 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,478 | 7.250% | — | 1 | −$2,578 | |
| 2 | $4,863 | 7.000% | — | 3 | −$2,193 | |
| 3 | $5,171 | 7.750% | — | 1 | −$1,885 | |
| 4 | $5,522 | 7.125% | — | 1 | −$1,534 | |
| 5 | $5,759 | 6.875% | — | 81 | −$1,297 | |
| 6 | $6,183 | 6.500% | — | 1 | −$873 | |
| 7 | $7,492 | 6.875% | — | 1 | +$436 | |
| 8 | $8,247 | 6.625% | — | 26 | +$1,191 | |
| 9 | $8,367 | 7.125% | — | 1 | +$1,311 | |
| 10 | $8,405 | 6.875% | — | 1 | +$1,349 | |
| 11 | $9,002 | 6.125% | — | 1 | +$1,946 | |
| 12 | $9,558 | 6.375% | — | 14 | +$2,502 | |
| 13 | $12,955 | 6.375% | — | 11 | +$5,899 | |
| 14 | $13,736 | 7.062% | — | 2 | +$6,680 |
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 Funding SLC, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $7,056 | $7,127 | −$71 (−1.0%) |
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.