California Coast Credit Union mortgage approval rate & lending review
California Coast Credit Union decided 5,385 mortgage applications and funded 4,833 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions California Coast Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
California Coast Credit Union at a glance
Approval is 26.9 points above the 64.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 75 / 88 | 85% | $275K | 64 |
| Home improvement loans | 93% | 2,892 / 3,117 | 99% | $125K | 2,849 |
| Cash-out refinance | 91% | 1,511 / 1,658 | 98% | $135K | 1,479 |
| Refinance | 62% | 21 / 34 | 71% | $405K | 15 |
| Investment cash-out refinance | 91% | 176 / 193 | 98% | $145K | 172 |
| Investment home improvement | 88% | 246 / 280 | 98% | $135K | 242 |
California Coast Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 92% | $125K | 5,385 | 4,833 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where California Coast Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Home improvement loans | 93% | 2,442 | 2,243 |
| San Diego County, CA | Cash-out refinance | 92% | 1,253 | 1,128 |
| Riverside County, CA | Home improvement loans | 92% | 470 | 427 |
| Riverside County, CA | Cash-out refinance | 90% | 306 | 270 |
| San Diego County, CA | Investment home improvement | 92% | 179 | 162 |
| San Diego County, CA | Investment cash-out refinance | 90% | 122 | 109 |
| Orange County, CA | Home improvement loans | 95% | 42 | 39 |
| Riverside County, CA | Investment home improvement | 84% | 25 | 20 |
| Los Angeles County, CA | Investment home improvement | 90% | 21 | 19 |
The county markets where California Coast Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about California Coast Credit Union
What is California Coast Credit Union's mortgage approval rate?
California Coast Credit Union approved 91.6% of the 5,385 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 26.9 points above the 64.7% national rate for the same mix of loan types.
How often do borrowers take the loan California Coast Credit Union offers?
Borrowers accepted 98% of the loans California Coast Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does California Coast Credit Union make?
The typical home improvement loan loan California Coast Credit Union made was $125K; across all loan types its typical loan ran from $125K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does California Coast Credit Union lend?
California Coast Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to California Coast Credit Union directly?
Yes. California Coast Credit Union is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show California Coast Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how California Coast Credit Union treats applications, then get a rate quote from the lender.