What loan types does COASTAL1 Credit Union offer?

COASTAL1 Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does COASTAL1 Credit Union offer mortgages?

COASTAL1 Credit Union offers mortgages in 6 states: CT, FL, MA, NH, RI, SC.

How competitive are COASTAL1 Credit Union's mortgage rates?

COASTAL1 Credit Union has an overall pricing score of 79.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is COASTAL1 Credit Union?

COASTAL1 Credit Union is a Credit Union headquartered in Pawtucket, RI.

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COASTAL1 Credit Union

Credit Union•Pawtucket, RIHQ•Direct•Reviews near you on Google

COASTAL1 Credit Union has 236 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

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 6.30 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

COASTAL1 Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 6.3 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

222 loans · 0.06% below market

Sound

Top 60% of lenders

3/5

Jumbo

14 loans · 0.31% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

171 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

Refinance

65 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	222	94.1%	-0.056%Below	$784Fees
Jumbo Loans	Strong	Strong	—	—	14	5.9%	-0.309%Below	$750Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume222

Mix94.1%

Spread

-0.056%Below

Fees

$784Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume14

Mix5.9%

Spread

-0.309%Below

Fees

$750Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	171	72.5%	-0.116%Below	$830Fees
Refinance	Strong	Sound	Strong	Strong	65	27.5%	+0.059%Above	$674Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume171

Mix72.5%

Spread

-0.116%Below

Fees

$830Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume65

Mix27.5%

Spread

+0.059%Above

Fees

$674Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

236

Applications

314

Volume

$87 million

Pricing & Closing

Avg Rate Spread

-0.063%

vs. market APOR

Avg Net Fees

$783

Origination − Credits

Pullthrough Rate

75.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$371,229

Avg Borrower Income

$181,750

Avg Property Value

$542,203

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast4

CTMANHRI

South2

FLSC

Top Metro Areas by Place Specialization Score

Providence, RI-MAMetro

Volume 204Mix 86.44% of portfolio

87/100

Exceptional

Top States by Place Specialization Score

Rhode IslandState

Volume 175Mix 74.15% of portfolio

85/100

Exceptional

MassachusettsState

Volume 46Mix 19.49% of portfolio

58/100

Sound

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.