Applications / Mortgage Analytics / Lenders / Texas / CoastLife Credit Union
Corpus Christi, TX · Credit union · NCUA · $516 million assets · 42 loans in 2025
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42
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CoastLife Credit Union, a small Corpus Christi lender, bounced back in 2025. It made 42 loans, 75% more than the 24 of 2024, and none of them was for a home purchase.
The rise was faster than at about nine in ten similar lenders (credit unions making between half and twice as many loans), which grew 3%. The whole market grew 10%. It brings the credit union close to 2023's 44 loans, though still short of the 81 it made in 2018. On counts this small, a handful of loans makes a large change.
Home improvement made up 47.6% of its loans, refinances 35.7% and other purposes 16.7%. All were conventional. Its typical loan, $90,000, was close to the $95,000 at similar lenders.
Majority-minority areas took 82.9% of its loans, against 9.1% at similar lenders, more than at almost all of them. The share was 79.2% in 2024. The makeup of the neighborhoods it serves may explain it.
In Corpus Christi, where it has lent since 2002, it ranked 54 of 389 lenders with 0.4% of the market, unchanged from 2024. DHI Mortgage Company, United Wholesale Mortgage and Rally Credit Union led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CoastLife Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.6% · Refinance 35.7% · Other 16.7%
Conventional 100.0% · of 42 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 |
|---|---|---|
| Texas | 41 | 97.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 37 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ABHFY5HY2P3871 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 620994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568482 | 2002–2017 |
Established 1 January 1965. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: CoastLife Credit Union's data.
CoastLife Credit Union's data
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CoastLife 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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