Coastal Funding SLC
Coastal Funding SLC has 294 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Coastal Funding SLC performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.2 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
237 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
28 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
17 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
Jumbo
12 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
252 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
Refinance
42 loans · 0.19% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 237 | 80.6% | +0.314%Above | $3,843Fees | ||||
FHA Loans | 28 | 9.5% | +0.605%Above | $3,796Fees | ||||
VA Loans | — | 17 | 5.8% | -0.285%Below | $3,359Fees | |||
Jumbo Loans | — | — | 12 | 4.1% | +0.705%Above | $4,464Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume237
Mix80.6%
Spread
+0.314%Above
Fees
$3,843Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume28
Mix9.5%
Spread
+0.605%Above
Fees
$3,796Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume17
Mix5.8%
Spread
-0.285%Below
Fees
$3,359Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix4.1%
Spread
+0.705%Above
Fees
$4,464Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 252 | 85.7% | +0.350%Above | $3,764Fees | ||||
Refinance | 42 | 14.3% | +0.190%Above | $4,334Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume252
Mix85.7%
Spread
+0.350%Above
Fees
$3,764Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume42
Mix14.3%
Spread
+0.190%Above
Fees
$4,334Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
294
Applications
354
Volume
$167 million
Pricing & Closing
Avg Rate Spread
+0.332%
vs. market APOR
Avg Net Fees
$3,829
Origination − Credits
Pullthrough Rate
83.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$570,170
Avg Borrower Income
$252,551
Avg Property Value
$875,000
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)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.