East Coast Capital
We analyzed every closed loan from East Coast Capital — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 51 basis points above market average
- Higher than average fees ($4,300)
Explore another lender or local market
Report Card
East Coast Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+50.7 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
700 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
FHA
363 loans · 0.67% above market
Strong
Top 40% of lenders
4/5
VA
28 loans · 0.19% below market
Sound
Top 60% of lenders
3/5
Jumbo
28 loans · 1.11% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
911 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
Refinance
209 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 13 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 700 | 62.5% | +0.429%Above | $4,270Fees | ||||
FHA Loans | 363 | 32.4% | +0.668%Above | $4,572Fees | ||||
VA Loans | — | 28 | 2.5% | -0.193%Below | $1,005Fees | |||
Jumbo Loans | — | 28 | 2.5% | +1.111%Above | $3,872Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume700
Mix62.5%
Spread
+0.429%Above
Fees
$4,270Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume363
Mix32.4%
Spread
+0.668%Above
Fees
$4,572Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume28
Mix2.5%
Spread
-0.193%Below
Fees
$1,005Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume28
Mix2.5%
Spread
+1.111%Above
Fees
$3,872Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 911 | 81.3% | +0.513%Above | $4,211Fees | ||||
Refinance | 209 | 18.7% | +0.467%Above | $4,845Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume911
Mix81.3%
Spread
+0.513%Above
Fees
$4,211Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume209
Mix18.7%
Spread
+0.467%Above
Fees
$4,845Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,120
Applications
1,780
Volume
$544 million
Pricing & Closing
Avg Rate Spread
+0.507%
vs. market APOR
Avg Net Fees
$4,300
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$486,304
Avg Borrower Income
$187,783
Avg Property Value
$637,589
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
26Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
CTNJNYPARI
Midwest5
ILINMIOHWI
South11
ALDEFLGAKYMDNCSCTNTXVA
West5
AZCACONVWA
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
Top States by Place Specialization Score
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.
Looking for a different lender?
Are you the owner of East Coast Capital?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.