Get & compare mortgage quotes anonymously Start in My Home
CCU
Unclaimed

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.

Safe Rate 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
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

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

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
1
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
CTMANHRI
South2
FLSC

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 204Mix 86.44% of portfolio
87/100
Exceptional

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 175Mix 74.15% of portfolio
85/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 46Mix 19.49% of portfolio
58/100
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.

Looking for a different lender?

Are you the owner of COASTAL1 Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.