Purchase Originations
2,148
Ranked #208 nationally
Median Total Costs
$6,143
−8.0% vs national ($6,680)
↓ $163 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.134% vs prior year
Median Origination
$1,600
Median Lender Credits
$494
Cost Rank (500+ vol.)
#292
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,479 | 6.500% | $5,488 | $1,615 |
| va | 396 | 6.250% | $8,509 | $1,600 |
| fha | 269 | 6.250% | $9,994 | $1,750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,101 | 6.375% | $6,914 | #18 |
| North Carolina | 343 | 6.625% | $3,801 | #71 |
| West Virginia | 173 | 6.375% | $4,694 | #22 |
| South Carolina | 144 | 6.490% | $5,038 | #98 |
| Maryland | 125 | 6.375% | $6,395 | #84 |
| Tennessee | 90 | 6.250% | $6,826 | #137 |
| District of Columbia | 48 | 6.375% | $7,657 | — |
| Georgia | 42 | 6.500% | $3,859 | — |
| Florida | 32 | 6.312% | $6,640 | — |
| Ohio | 11 | 6.375% | $6,397 | — |
| Pennsylvania | 10 | 6.495% | $6,818 | — |
| Kentucky | 7 | 6.250% | $8,018 | — |
| Texas | 6 | 6.558% | $7,794 | — |
| Alabama | 5 | 6.990% | $2,636 | — |
| Colorado | 3 | 6.125% | $4,325 | — |
| Delaware | 3 | 6.500% | $9,089 | — |
| Michigan | 2 | 6.562% | $4,508 | — |
| California | 1 | 6.250% | $12,448 | — |
| Nevada | 1 | 6.750% | $5,034 | — |
| Oregon | 1 | 7.375% | $4,578 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,282 | 6.625% | — | 22 | −$2,861 | |
| 2 | $3,845 | 6.500% | — | 18 | −$2,298 | |
| 3 | $3,866 | 6.625% | — | 22 | −$2,277 | |
| 4 | $3,979 | 6.430% | — | 21 | −$2,164 | |
| 5 | $4,081 | 6.500% | — | 31 | −$2,062 | |
| 6 | $4,245 | 6.350% | — | 59 | −$1,898 | |
| 7 | $5,340 | 6.430% | — | 19 | −$803 | |
| 8 | $5,959 | 6.250% | — | 85 | −$184 | |
| 9 | $6,053 | 6.500% | — | 50 | −$90 | |
| 10 | $6,221 | 6.375% | — | 296 | +$78 | |
| 11 | $6,411 | 6.250% | — | 46 | +$268 | |
| 12 | $6,510 | 6.500% | — | 35 | +$367 | |
| 13 | $6,785 | 6.500% | — | 18 | +$642 | |
| 14 | $7,657 | 6.375% | — | 48 | +$1,514 | |
| 15 | $8,154 | 6.375% | — | 26 | +$2,011 | |
| 16 | $8,440 | 6.500% | — | 61 | +$2,297 | |
| 17 | $8,468 | 6.433% | — | 350 | +$2,325 | |
| 18 | $9,286 | 6.375% | — | 58 | +$3,143 | |
| 19 | $10,680 | 6.312% | — | 24 | +$4,537 | |
| 20 | $11,136 | 6.188% | — | 44 | +$4,993 |
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 | Intercoastal Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $6,143 | $7,127 | −$984 (−13.8%) |
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.