California Coast Credit Union
California Coast Credit Union received 2,305 applications in 2025 and made 1,556 mortgages, in 37 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $155,000. Of 1,948 decisions, 321 were denials — 16.5%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300O1ESL3X18LPG95 |
|---|---|
| Applications received | 2,305 |
| Mortgages made | 1,556 |
| Denied | 321 |
| Approved, not taken up | 71 |
| Withdrawn or incomplete | 357 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.27 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | 7.125% | $295,000 | 29.6% |
| Refinancing | 11 | 6.125% | $405,000 | 35.0% |
| Cash-out refinancing | 434 | 7.500% | $155,000 | 14.5% |
| Other purposes | 1,097 | 7.500% | $135,000 | 16.7% |
Where California Coast Credit Union lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Diego County, CA | 1,172 | 7.500% | 14.9% |
| Riverside County, CA | 236 | 7.500% | 20.3% |
| Los Angeles County, CA | 53 | 7.500% | 13.9% |
| Orange County, CA | 27 | 7.500% | 18.2% |
| San Bernardino County, CA | 13 | 7.875% | 31.8% |
| Imperial County, CA | 6 | Under 10 loans | 25.0% |
| Alameda County, CA | 4 | Under 10 loans | 0.0% |
| San Mateo County, CA | 4 | Under 10 loans | 0.0% |
| Ventura County, CA | 4 | Under 10 loans | 28.6% |
| Kern County, CA | 3 | Under 10 loans | 0.0% |
| Placer County, CA | 3 | Under 10 loans | 25.0% |
| Sacramento County, CA | 3 | Under 10 loans | 40.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 50.0% |
| El Dorado County, CA | 2 | Under 10 loans | 33.3% |
| Fresno County, CA | 2 | Under 10 loans | 33.3% |
| Marin County, CA | 2 | Under 10 loans | 25.0% |
| Nevada County, CA | 2 | Under 10 loans | 33.3% |
| San Francisco County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 60.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 50.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 33.3% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 0 | Under 10 loans | 100.0% |
| Humboldt County, CA | 0 | Under 10 loans | Not published |
| Madera County, CA | 0 | Under 10 loans | 0.0% |
| Sonoma County, CA | 0 | Under 10 loans | 100.0% |
| Tehama County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | Not published |
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When California Coast Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.