# California Coast Credit Union

> **Canonical URL:** https://saferate.com/lenders/california-coast-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

California Coast Credit Union is a credit union, headquartered in San Diego, CA, with 44 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300O1ESL3X18LPG95
- **Headquarters:** San Diego, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.174%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,275
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 44
- **Dollar Volume:** $13 million
- **Applications Received:** 99
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,682
- **Average Borrower Income:** $138,795

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 43 | +0.177% | $1,532 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 33 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 12/100 | 10 | $4M | +0.287% | Mediocre 😐 |
| Refinance | 43/100 | 34 | $9M | +0.121% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 44 | 0.02% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Diego | CA | 33 | 63/100 |

## Frequently Asked Questions

### What loan types does California Coast Credit Union offer?

California Coast Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does California Coast Credit Union offer mortgages?

California Coast Credit Union offers mortgages in 1 states: CA.

### How competitive are California Coast Credit Union's mortgage rates?

California Coast Credit Union has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.174% above market average.

### What type of lender is California Coast Credit Union?

California Coast Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Diego, CA.

### What is California Coast Credit Union's loan approval success rate?

California Coast Credit Union has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/california-coast-credit-union

### How to Cite

> "California Coast Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/california-coast-credit-union

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