Applications / Mortgage Analytics / Lenders / California / CoastHills Credit Union
Santa Maria, CA · Credit union · NCUA · $1.8 billion assets · 111 loans in 2025
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111
loans originated, 2025
200
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CoastHills Credit Union is shrinking while its peers grow. It made 111 loans in 2025, 9% fewer than in 2024 and far fewer than the 491 it made in 2020.
Its loan count has fallen every year since 2020. The 9% drop in 2025 came as similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%. About three in four of those peers grew faster. The figures do not say why.
Refinances made up 57.7% of its loans and home improvement 29.7%. Only 9.0% went to home buyers. Its typical loan, $145,000, was larger than at about three in four similar lenders, where it was $105,000.
Majority-minority areas took 42.3% of its loans, against 9.3% at similar lenders, more than at about four in five of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 27.3%, against 17.2%. Yet LMI borrowers took just 16.0%, down from 29.2% in 2024 and among the lowest tenth of its peers. Its larger loans may be one reason.
In Santa Maria-Santa Barbara, where it has lent since at least 1990, it ranked 54 of 339 lenders with 0.4% of the market, down 0.1 points. In San Luis Obispo-Paso Robles it ranked 40 of 312, also with 0.4%, down 0.2 points. Making fewer loans may explain the smaller shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CoastHills Credit Union took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.7% · Home improvement 29.7% · Purchase 9.0% · Other 3.6%
Conventional 99.1% · VA 0.9% · of 111 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 | 111 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Maria-Santa Barbara | 74 |
| San Luis Obispo-Paso Robles | 30 |
| Fresno | 2 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Salinas | 1 |
| Vallejo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000KTY8YQ4SFHT59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 127587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512525 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568653 | 2015–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: CoastHills Credit Union's data.
CoastHills Credit Union's data
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CoastHills 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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