Coast 2 Coast Funding Group Mortgage Rates, Fees & Info
IRVINE, CALEI: 5493005LE3FE2MIPPW66
Tax ID: 20-4459706
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Mortgage Data
Review & Overview
Coast 2 Coast Funding Group is a smaller mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. Coast 2 Coast Funding Group has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, San Jose, San Diego, and Riverside among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Coast 2 Coast Funding Group has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Coast 2 Coast Funding Group is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.01% | 11/21/24 |
| 30 Year Conventional Refi | 6.53% | 11/21/24 |
| 30 Year Cash-out Refi | 7.02% | 11/21/24 |
| 15 Year Conventional Purchase | 6.13% | 11/21/24 |
| 15 Year Conventional Refi | 6.28% | 11/21/24 |
| 15 Year Cash-out Refi | 6.28% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Coast 2 Coast Funding Group Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
356Origination Dollar Volume (All Markets)
$130,940,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 195 | $68,405,000 | $350,795 | $8,470 | 4.47% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 56 | $25,010,000 | $446,607 | $5,477 | 4.72% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $10,115,000 | $532,368 | $6,007 | 4.52% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 23 | $9,075,000 | $394,565 | $6,022 | 4.59% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 36 | $8,900,000 | $247,222 | $7,581 | 4.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $6,470,000 | $404,375 | $6,948 | 4.45% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,852 | 4.54% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,923 | 4.81% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,549 | 4.31% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,285 | 3.99% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,665 | 3.99% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,709 | 5.49% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 356 | $130,940,000 | $367,809 | $7,423 | 4.53% |
For 2019, Coast 2 Coast Funding Group's most frequently originated type of loan was Conventional, with 356 originations.
Loan Reason
For 2019, Coast 2 Coast Funding Group's most frequently cited loan purpose was Cash Out Refi, with 162 originations. The 2nd most popular reason was Refi, with 127 originations.
Loan Duration/Length
For 2019, Coast 2 Coast Funding Group's most frequently cited loan duration was 30 Year, with 335 originations. The 2nd most popular length was 15 Year, with 18 originations.
Origination Fees/Closing Costs
Coast 2 Coast Funding Group's average total fees were $7,535, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 161 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 181 | $66,805,000 | $369,088 |
| 3-4% | 109 | $39,865,000 | $365,734 |
| 5-6% | 66 | $24,270,000 | $367,727 |
During 2019, Coast 2 Coast Funding Group's average interest rate for loans was 4.58%, while their most frequently originated rate bucket for loans was 4-5%, with 181 originations.
Loan Sizing
2019 saw Coast 2 Coast Funding Group place emphasis on $200k-400k loans with 173 originations, totaling $53,325,000 in origination value.
Applicant Income
Coast 2 Coast Funding Group lent most frequently to those with incomes in the $100k-150k range, with 92 originations. The second most popular income band? $75k-100k, with 81 originations.
Applicant Debt to Income Ratio
Coast 2 Coast Funding Group lent most frequently to those with DTI ratios of 30-36%, with 66 originations. The next most common DTI ratio? 20-30%, with 65 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Coast 2 Coast Funding Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.26%
Coast 2 Coast Funding Group has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 356 | $130,940,000 | $367,809 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 356 | $130,940,000 | $367,809 |