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Coast One Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

Coast One Mortgage has 178 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
FHA · Conventional
Place
Sound
3/5
Regional · 5 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 55 basis points above market average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Coast One Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+54.7 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume146
Mix82.0%
Spread
+0.562%Above
Fees
$3,180Fees
FHA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume21
Mix11.8%
Spread
+0.601%Above
Fees
$4,351Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume169
Mix94.9%
Spread
+0.542%Above
Fees
$3,334Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
178
Applications
251
Volume
$45 million
Pricing & Closing
Avg Rate Spread
+0.547%
vs. market APOR
Avg Net Fees
$3,352
Origination − Credits
Pullthrough Rate
70.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$257,697
Avg Borrower Income
$128,303
Avg Property Value
$326,180

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILMIOH
South1
FL

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 48Mix 26.97% of portfolio
64/100
Strong
2© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 16Mix 8.99% of portfolio
53/100
Sound
3© Ebyabe · CC BY-SA 3.0
Punta Gorda, FLMetro
Volume 11Mix 6.18% of portfolio
53/100
Sound
4© DXR · CC BY-SA 4.0
Jacksonville, FLMetro
Volume 18Mix 10.11% of portfolio
52/100
Sound
5© WMrapids · CC0
Grand Rapids, MIMetro
Volume 11Mix 6.18% of portfolio
45/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 79Mix 44.38% of portfolio
63/100
Strong
Michigan
Michigan
2
MichiganState
Volume 45Mix 25.28% of portfolio
58/100
Sound
Florida
Florida
3
FloridaState
Volume 49Mix 27.53% of portfolio
55/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.