California Coast Credit Union in California vs the state
13.9%Denial rate-3.49 pts vs state
16.5%Decision denial rate-5.92 pts vs state
67.5%Origination rate+11.31 pts vs state
7.50%Median rate+0.88 pts vs state
0.27Rate spread (pts)0.00 pts vs state
$145kMedian applicant income
1,556Loans originated
321Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,127 | 1,709 | 8.8% | 7.50% | #73 |
| 2024 | 2,447 | 1,920 | 12.3% | 7.75% | #73 |
| 2025 | 2,305 | 1,556 | 13.9% | 7.50% | #91 |
What California Coast Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most California Coast Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 1,683 | 1,172 | 213 | 12.7% |
| Riverside County | 359 | 236 | 63 | 17.5% |
| Los Angeles County | 85 | 53 | 9 | 10.6% |
| Orange County | 42 | 27 | 6 | 14.3% |
| San Bernardino County | 30 | 13 | 7 | 23.3% |
| Imperial County | 10 | 6 | 2 | 20.0% |
| Ventura County | 8 | 4 | 2 | 25.0% |
| Sacramento County | 6 | 3 | 2 | 33.3% |
| Alameda County | 5 | 4 | 0 | 0.0% |
| Contra Costa County | 5 | 2 | 2 | 40.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,305 applications in 2025, of which 1,556 were originated and 321 denied.
13.9% of all applications, or 16.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans California Coast Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are California Coast Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology