We analyzed every closed loan from COASTAL Federal Credit Union — 594 loans across 872 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
COASTAL Federal Credit Union performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 540 | 90.9% | +0.213%Above | $2,003Fees | ||||
Jumbo Loans | — | 54 | 9.1% | +0.165%Above | $1,165Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 449 | 75.6% | +0.228%Above | $2,020Fees | ||||
Refinance | 145 | 24.4% | +0.097%Above | $1,642Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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