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CCU

Coasthills Credit Union

Credit UnionSanta Maria, CAHQDirectReviews near you on Google

Coasthills Credit Union has 30 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Single State · 2 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 54.40 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Coasthills Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 54.4 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Bottom 20% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume27
Mix90.0%
Spread
-0.525%Below
Fees
$600Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Mediocre
Product
Mediocre
Pricing
Pull Through
Mediocre
Volume13
Mix43.3%
Spread
-0.358%Below
Fees
$411Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume17
Mix56.7%
Spread
-0.743%Below
Fees
$768Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
30
Applications
62
Volume
$13 million
Pricing & Closing
Avg Rate Spread
-0.544%
vs. market APOR
Avg Net Fees
$584
Origination − Credits
Pullthrough Rate
48.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$435,333
Avg Borrower Income
$166,933
Avg Property Value
$738,667

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Mertbiol · CC BY-SA 4.0
Santa Maria, CAMetro
Volume 16Mix 53.33% of portfolio
62/100
Strong
2© Sricklef · CC BY 4.0
San Luis Obispo, CAMetro
Volume 11Mix 36.67% of portfolio
53/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 30Mix 100.00% of portfolio
55/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.