Coasthills Credit Union in California vs the state
12.5%Denial rate-4.92 pts vs state
17.6%Decision denial rate-4.79 pts vs state
55.5%Origination rate-0.70 pts vs state
7.25%Median rate+0.63 pts vs state
1.06Rate spread (pts)+0.79 pts vs state
$125kMedian applicant income
111Loans originated
25Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 149 | 15.1% | 7.25% | #309 |
| 2024 | 240 | 122 | 19.6% | 8.00% | #323 |
| 2025 | 200 | 111 | 12.5% | 7.25% | #364 |
What Coasthills Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Coasthills Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Barbara County | 128 | 74 | 10 | 7.8% |
| San Luis Obispo County | 59 | 30 | 11 | 18.6% |
| Ventura County | 2 | 1 | 1 | 50.0% |
| Madera County | 2 | 2 | 0 | 0.0% |
| Riverside County | 2 | 1 | 1 | 50.0% |
| Mariposa County | 1 | 0 | 0 | 0.0% |
| San Joaquin County | 1 | 0 | 1 | 100.0% |
| Tuolumne County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
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: 200 applications in 2025, of which 111 were originated and 25 denied.
12.5% of all applications, or 17.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Coasthills Credit Union originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Coasthills 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