Applications / Mortgage Analytics / Lenders / California / California Coast Credit Union
San Diego, CA · Credit union · NCUA · $3.4 billion assets · 1,556 loans in 2025
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1,556
loans originated, 2025
2,305
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
California Coast Credit Union is a San Diego lender of home-improvement and refinance loans: home purchases were just 0.9% of its loans in 2025.
Home improvement made up 55.0% of its loans, refinances 28.6% and other purposes 15.5%. All were conventional, and its typical loan was $155,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans). Its share of higher-priced loans (a rate well above the average for similar loans) was 0.0%, against 1.5% at peers.
Originations fell 19% to 1,556 while similar lenders grew 9% and the whole market 10%, a lower growth rate than nearly all of them. The 1,920 loans of 2024 were its second-highest total since 2018, so part of the fall may be a return toward its usual level; it made 1,446 in 2020. In San Diego-Chula Vista-Carlsbad it ranked 33 of 639 lenders, with 0.6% of lending.
Majority-minority areas took 49.1% of its loans, against 10.8% at peers, higher than about nine in ten of them. Its share in LMI (low- and moderate-income) areas, 15.9%, was near peers' 15.3%.
LMI borrowers took 17.6% of its loans, against 27.0% at similar lenders, lower than nearly nine in ten of them. The make-up of the San Diego and Riverside-San Bernardino markets it mainly serves, and a mix of home-improvement and refinance loans to existing owners, are possible reasons.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. California Coast Credit Union took 2,305 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 55.0% · Refinance 28.6% · Other 15.5% · Purchase 0.9%
Conventional 100.0% · of 1,556 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,555 | 99.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 1,172 |
| Riverside-San Bernardino-Ontario | 249 |
| Los Angeles-Long Beach-Glendale | 53 |
| Anaheim-Santa Ana-Irvine | 27 |
| Sacramento-Roseville-Folsom | 9 |
| El Centro | 6 |
| Oakland-Fremont-Berkeley | 6 |
| San Francisco-San Mateo-Redwood City | 6 |
| Oxnard-Thousand Oaks-Ventura | 4 |
| Bakersfield-Delano | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O1ESL3X18LPG95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 471196 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566584 | 1990–2017 |
Established 1 January 1929. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: California Coast Credit Union's data.
California Coast Credit Union's data
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California Coast Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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