Purchase Originations
155
Median Total Costs
$3,854
−42.3% vs national ($6,680)
↑ $99 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$850
Median Lender Credits
$33
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 155 | 6.250% | $3,854 | $850 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Rhode Island | 124 | 6.250% | $3,789 | #18 |
| Massachusetts | 24 | 6.125% | $4,226 | — |
| Connecticut | 5 | 6.000% | $3,773 | — |
| Florida | 1 | 6.375% | $4,673 | — |
| Maine | 1 | 6.000% | $3,217 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,096 | 6.125% | — | 1 | −$758 | |
| 2 | $3,217 | 6.000% | — | 1 | −$637 | |
| 3 | $3,629 | 5.750% | — | 1 | −$225 | |
| 4 | $3,677 | 6.375% | — | 22 | −$177 | |
| 5 | $3,709 | 6.250% | — | 80 | −$145 | |
| 6 | $3,985 | 6.312% | — | 6 | +$131 | |
| 7 | $4,010 | 6.250% | — | 4 | +$156 | |
| 8 | $4,012 | 6.125% | — | 9 | +$158 | |
| 9 | $4,155 | 6.125% | — | 20 | +$301 | |
| 10 | $4,285 | 6.375% | — | 1 | +$431 | |
| 11 | $4,587 | 6.000% | — | 1 | +$733 | |
| 12 | $4,673 | 6.375% | — | 1 | +$819 | |
| 13 | $5,262 | 6.375% | — | 7 | +$1,408 | |
| 14 | $5,582 | 6.125% | — | 1 | +$1,728 |
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 | COASTAL1 Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $3,854 | $7,127 | −$3,273 (−45.9%) |
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.