COASTHILLS CREDIT UNION
COASTHILLS CREDIT UNION received 200 applications in 2025 and made 111 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $145,000. Of 142 decisions, 25 were denials — 17.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000KTY8YQ4SFHT59 |
|---|---|
| Applications received | 200 |
| Mortgages made | 111 |
| Denied | 25 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 58 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.0595 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 | 10 | 5.938% | $625,000 | 0.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cash-out refinancing | 59 | 7.250% | $135,000 | 23.1% |
| Other purposes | 37 | 7.250% | $115,000 | 9.3% |
Where COASTHILLS CREDIT UNION lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Barbara County, CA | 74 | 7.250% | 11.5% |
| San Luis Obispo County, CA | 30 | 7.000% | 25.0% |
| Madera County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 50.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 50.0% |
| Los Angeles County, CA | 0 | Under 10 loans | Not published |
| Mariposa County, CA | 0 | Under 10 loans | Not published |
| Orange County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| San Joaquin County, CA | 0 | Under 10 loans | 100.0% |
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When COASTHILLS 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.