Coasthills mortgage approval rate & lending review
Coasthills decided 495 mortgage applications and funded 358 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Coasthills reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Coasthills at a glance
Approval is 9.8 points above the 68.4% 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 | 96% | 44 / 46 | 77% | $495K | 34 |
| Home improvement loans | 78% | 122 / 156 | 93% | $105K | 114 |
| Cash-out refinance | 78% | 186 / 239 | 96% | $95K | 178 |
Coasthills lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $95K | 495 | 358 |
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 Coasthills lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Barbara County, CA | Cash-out refinance | 80% | 148 | 113 |
| Santa Barbara County, CA | Home improvement loans | 84% | 105 | 81 |
| San Luis Obispo County, CA | Cash-out refinance | 76% | 78 | 56 |
| San Luis Obispo County, CA | Home improvement loans | 68% | 47 | 31 |
| Santa Barbara County, CA | Mortgage lenders | 96% | 24 | 19 |
The county markets where Coasthills made the most loans. Each link opens that market with every lender ranked.
Questions about Coasthills
What is Coasthills's mortgage approval rate?
Coasthills approved 78.2% of the 495 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 68.4% national rate for the same mix of loan types.
How often do borrowers take the loan Coasthills offers?
Borrowers accepted 93% of the loans Coasthills approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Coasthills make?
The typical cash-out refinance loan Coasthills made was $95K; across all loan types its typical loan ran from $95K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Coasthills lend?
Coasthills decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Coasthills directly?
Yes. Coasthills is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Coasthills'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 Coasthills treats applications, then get a rate quote from the lender.