# COASTHILLS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/coasthills-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

COASTHILLS CREDIT UNION is a credit union, headquartered in Santa Maria, CA, with 30 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% 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):** 5493000KTY8YQ4SFHT59
- **Headquarters:** Santa Maria, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

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

### Pricing Details
- **Average Rate Spread:** -0.544%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $584
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 30
- **Dollar Volume:** $13 million
- **Applications Received:** 62
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $435,333
- **Average Borrower Income:** $166,933

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 27 | -0.525% | $600 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 13 | $7M | -0.358% | Mediocre 😐 |
| Refinance | 24/100 | 17 | $7M | -0.743% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 30 | 0.01% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Santa Maria | CA | 16 | 62/100 |
| San Luis Obispo | CA | 11 | 53/100 |

## Frequently Asked Questions

### What loan types does COASTHILLS CREDIT UNION offer?

COASTHILLS 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 COASTHILLS CREDIT UNION offer mortgages?

COASTHILLS CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are COASTHILLS CREDIT UNION's mortgage rates?

COASTHILLS CREDIT UNION has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.544% below market average.

### What type of lender is COASTHILLS CREDIT UNION?

COASTHILLS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Santa Maria, CA.

### What is COASTHILLS CREDIT UNION's loan approval success rate?

COASTHILLS 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/coasthills-credit-union

### How to Cite

> "COASTHILLS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/coasthills-credit-union

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