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
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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 13 markets
Sound
Top 60% of lenders
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
26Northeast5
CTNJNYPARI
Midwest5
ILINMIOHWI
South11
ALDEFLGAKYMDNCSCTNTXVA
West5
AZCACONVWA
Top Metro Areas by Place Specialization Score
Volume 398Mix 35.54% of portfolio
86/100
Exceptional
Volume 233Mix 20.80% of portfolio
76/100
Strong
Volume 35Mix 3.12% of portfolio
63/100
Strong
Volume 44Mix 3.93% of portfolio
58/100
Sound
Volume 34Mix 3.04% of portfolio
55/100
Sound
Volume 24Mix 2.14% of portfolio
55/100
Sound
Volume 26Mix 2.32% of portfolio
55/100
Sound
Volume 18Mix 1.61% of portfolio
47/100
Sound
Volume 13Mix 1.16% of portfolio
47/100
Sound
Volume 19Mix 1.70% of portfolio
46/100
SoundShowing 10 of 12 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 647Mix 57.77% of portfolio
83/100
Exceptional2
New JerseyState
Volume 107Mix 9.55% of portfolio
65/100
Strong3
PennsylvaniaState
Volume 75Mix 6.70% of portfolio
58/100
Sound4
South CarolinaState
Volume 44Mix 3.93% of portfolio
55/100
Sound5
OhioState
Volume 54Mix 4.82% of portfolio
54/100
Sound6
FloridaState
Volume 64Mix 5.71% of portfolio
51/100
Sound7
ConnecticutState
Volume 28Mix 2.50% of portfolio
50/100
Sound8
MarylandState
Volume 21Mix 1.88% of portfolio
45/100
Sound9
North CarolinaState
Volume 16Mix 1.43% of portfolio
40/100
Acceptable10
GeorgiaState
Volume 13Mix 1.16% of portfolio
39/100
AcceptableHow 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.