COASTAL1 Credit Union mortgage approval rate & lending review
COASTAL1 Credit Union decided 4,365 mortgage applications and funded 3,363 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions COASTAL1 Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
COASTAL1 Credit Union at a glance
Approval is 7.0 points above the 71.1% 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 | 95% | 485 / 511 | 99% | $355K | 482 |
| Home improvement loans | 71% | 1,483 / 2,080 | 98% | $85K | 1,460 |
| Cash-out refinance | 83% | 138 / 166 | 99% | $255K | 137 |
| Refinance | 80% | 1,188 / 1,476 | 99% | $125K | 1,172 |
| Investment property purchase | 89% | 73 / 82 | 100% | $245K | 73 |
COASTAL1 Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Rhode Island | 77% | $125K | 3,604 | 2,754 |
| Massachusetts | 81% | $155K | 731 | 583 |
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 COASTAL1 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Providence County, RI | Home improvement loans | 69% | 1,312 | 886 |
| Providence County, RI | Refinance | 79% | 914 | 713 |
| Providence County, RI | Mortgage lenders | 95% | 275 | 261 |
| Bristol County, MA | Home improvement loans | 78% | 279 | 213 |
| Kent County, RI | Home improvement loans | 77% | 282 | 213 |
| Kent County, RI | Refinance | 82% | 215 | 177 |
| Bristol County, MA | Refinance | 84% | 196 | 161 |
| Washington County, RI | Home improvement loans | 78% | 146 | 113 |
| Washington County, RI | Refinance | 80% | 112 | 89 |
| Providence County, RI | Cash-out refinance | 84% | 103 | 85 |
| Kent County, RI | Mortgage lenders | 99% | 80 | 77 |
| Bristol County, MA | Mortgage lenders | 94% | 69 | 65 |
The county markets where COASTAL1 Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about COASTAL1 Credit Union
What is COASTAL1 Credit Union's mortgage approval rate?
COASTAL1 Credit Union approved 78.1% of the 4,365 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 71.1% national rate for the same mix of loan types.
How often do borrowers take the loan COASTAL1 Credit Union offers?
Borrowers accepted 99% of the loans COASTAL1 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 COASTAL1 Credit Union make?
The typical home improvement loan loan COASTAL1 Credit Union made was $85K; across all loan types its typical loan ran from $85K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does COASTAL1 Credit Union lend?
COASTAL1 Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Rhode Island, Massachusetts and Florida.
Can I apply to COASTAL1 Credit Union directly?
Yes. COASTAL1 Credit Union is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show COASTAL1 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 COASTAL1 Credit Union treats applications, then get a rate quote from the lender.