California Coast Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th16.5% deniedPricingmedian rate spread over APOR, weight 30%
39th0.27 ptsProcesswithdrawn + incomplete share, weight 15%
33rd15.5%Closing coststotal loan costs ÷ loan amount, weight 10%
69th2.45% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,129 | 1,709 | 8.8% | 9.6% | 7.50% | $236M |
| 2024 | 2,447 | 1,920 | 12.3% | 13.1% | 7.75% | $269M |
| 2025 | 2,305 | 1,556 | 13.9% | 16.5% | 7.50% | $247M |
What California Coast Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,472 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 237 investment properties.
Why California Coast Credit Union denies applications
Primary reason reported for each of the 321 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at California Coast Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 120 | 28 | 67.4% |
| $50k – $100k | 468 | 244 | 31.0% |
| $100k – $150k | 608 | 453 | 10.1% |
| $150k – $250k | 694 | 529 | 8.8% |
| Over $250k | 404 | 299 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 92 | 61 | 12.7% |
| 35–44 | 488 | 322 | 18.2% |
| 45–54 | 593 | 412 | 16.6% |
| 55–64 | 555 | 386 | 14.4% |
| 65–74 | 394 | 268 | 17.3% |
| Over 74 | 182 | 107 | 17.7% |
Where California Coast Credit Union lends
1 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 2,305 | 1,556 | 13.9% | 7.50% | #91 |
Frequently asked questions
California Coast Credit Union denied 16.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of home-equity (HELOC) lenders.
The most common reason California Coast Credit Union gave in 2025 was "debt-to-income ratio", cited on 66.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans California Coast Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.27 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 1% of its applications were for home purchases, 28% for refinancing (including cash-out), and 71% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.