Purchase Originations
824
Ranked #442 nationally
Median Total Costs
$12,347
+84.8% vs national ($6,680)
↓ $1,403 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,919
Median Lender Credits
$500
Cost Rank (500+ vol.)
#585
among lenders with 500+ originations
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 529 | 6.750% | $9,281 | $4,445 |
| fha | 267 | 6.500% | $19,465 | $6,390 |
| va | 28 | 6.438% | $8,790 | $2,058 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 500 | 6.625% | $14,450 | #48 |
| New Jersey | 78 | 6.625% | $10,247 | #123 |
| Ohio | 43 | 6.625% | $6,531 | — |
| Pennsylvania | 41 | 6.625% | $13,038 | — |
| Florida | 40 | 6.812% | $9,474 | — |
| South Carolina | 36 | 6.625% | $5,544 | — |
| Connecticut | 19 | 7.000% | $11,085 | — |
| Texas | 12 | 6.688% | $13,394 | — |
| Georgia | 10 | 6.688% | $14,279 | — |
| North Carolina | 8 | 6.625% | $10,665 | — |
| Maryland | 5 | 6.625% | $17,292 | — |
| Indiana | 4 | 6.375% | $6,081 | — |
| Massachusetts | 4 | 6.688% | $18,654 | — |
| Arizona | 3 | 6.625% | $12,923 | — |
| California | 2 | 6.749% | $41,717 | — |
| Colorado | 2 | 6.812% | $15,170 | — |
| Illinois | 2 | 6.875% | $10,100 | — |
| Michigan | 2 | 6.812% | $7,663 | — |
| Rhode Island | 2 | 6.625% | $9,359 | — |
| Virginia | 2 | 6.812% | $9,782 | — |
| West Virginia | 2 | 6.875% | $5,263 | — |
| Delaware | 1 | 7.000% | $14,460 | — |
| Kansas | 1 | 5.875% | $3,678 | — |
| Louisiana | 1 | 6.750% | $12,363 | — |
| Minnesota | 1 | 6.500% | $5,858 | — |
| New Hampshire | 1 | 8.750% | $17,638 | — |
| Oregon | 1 | 5.500% | $7,211 | — |
| Tennessee | 1 | 6.500% | $9,007 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,274 | 6.625% | — | 25 | −$7,073 | |
| 2 | $5,938 | 6.625% | — | 17 | −$6,409 | |
| 3 | $8,154 | 6.875% | — | 5 | −$4,193 | |
| 4 | $8,668 | 6.812% | — | 8 | −$3,679 | |
| 5 | $8,813 | 7.125% | — | 5 | −$3,534 | |
| 6 | $8,852 | 6.875% | — | 13 | −$3,495 | |
| 7 | $8,908 | 6.562% | — | 18 | −$3,439 | |
| 8 | $9,283 | 6.750% | — | 5 | −$3,064 | |
| 9 | $11,326 | 6.500% | — | 22 | −$1,021 | |
| 10 | $11,476 | 6.562% | — | 126 | −$871 | |
| 11 | $12,396 | 6.750% | — | 13 | +$49 | |
| 12 | $13,097 | 7.188% | — | 6 | +$750 | |
| 13 | $13,858 | 6.375% | — | 21 | +$1,511 | |
| 14 | $13,966 | 6.875% | — | 31 | +$1,619 | |
| 15 | $15,183 | 7.000% | — | 7 | +$2,836 | |
| 16 | $15,463 | 6.375% | — | 7 | +$3,116 | |
| 17 | $16,594 | 6.625% | — | 51 | +$4,247 | |
| 18 | $17,145 | 6.500% | — | 184 | +$4,798 | |
| 19 | $18,436 | 6.500% | — | 12 | +$6,089 | |
| 20 | $27,823 | 6.688% | — | 30 | +$15,476 |
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 | East Coast Capital Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $12,347 | $7,127 | +$5,220 (+73.2%) |
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.