Coasthills Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Coasthills Credit Union of Santa Maria, CA reported 244 mortgage applications totaling $60.3 million, down 6% from 2023. The average application was for $247,131, and applicants reported an average income of $135,782. 50% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Santa Maria-Santa Barbara, CA (148), San Luis Obispo-Paso Robles-Arroyo Grande, CA (78) and Bakersfield, CA (4) (applications in parentheses).
| Mortgage Company & Address | Coasthills Credit Union P O Box 200 Santa Maria, CA 93454 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 244 |
| Total Mortgage Loan Application Amount | $60,300,000 |
| Average Mortgage Loan Application Amount | $247,131 |
| Highest Mortgage Loan Application Amount | $2,795,000 |
| Average Applicant Income | $135,782 |
| Highest Applicant Income | $743,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Coasthills Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Coasthills Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 110 | $15,730,000 | $143,000 | $965,000 | $108,000 | $304,000 |
| Home Improvement | 79 | $11,725,000 | $148,000 | $925,000 | $131,000 | $467,000 |
| Home Purchase | 32 | $17,690,000 | $552,000 | $1,425,000 | $189,000 | $353,000 |
| Refinancing | 17 | $14,835,000 | $872,000 | $2,795,000 | $259,000 | $743,000 |
| Other Purpose | 5 | $245,000 | $49,000 | $125,000 | $85,000 | $155,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 84 | $21,430,000 | $255,000 | $2,795,000 | $136,000 | $331,000 |
| Not Provided | 72 | $17,160,000 | $238,000 | $1,195,000 | $146,000 | $743,000 |
| Hispanic | 70 | $16,460,000 | $235,000 | $1,095,000 | $122,000 | $265,000 |
| Asian | 13 | $3,205,000 | $246,000 | $1,095,000 | $104,000 | $271,000 |
| Black or African American | 2 | $410,000 | $205,000 | $305,000 | $318,000 | $443,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
| Not applicable | 1 | $1,095,000 | $1,095,000 | $1,095,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $405,000 | $405,000 | $405,000 | $110,000 | $110,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 242 | $59,230,000 | $244,000 | $2,795,000 | $134,000 | $743,000 |
| VA-guaranteed (Veterans Administration) | 2 | $1,070,000 | $535,000 | $555,000 | $171,000 | $248,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 122 | $29,860,000 | $244,000 | $2,795,000 | $145,000 | $443,000 |
| Application Denied By Financial Institution | 47 | $8,315,000 | $176,000 | $1,175,000 | $102,000 | $407,000 |
| Application Withdrawn By Applicant | 45 | $12,785,000 | $284,000 | $1,165,000 | $115,000 | $360,000 |
| File Closed For Incompleteness | 13 | $4,285,000 | $329,000 | $1,095,000 | $168,000 | $743,000 |
| Application Approved But Not Accepted | 13 | $2,545,000 | $195,000 | $1,425,000 | $160,000 | $467,000 |
| Preapproval Approved but not Accepted | 4 | $2,510,000 | $627,000 | $885,000 | $239,000 | $335,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 197 | $51,985,000 | $263,000 | $2,795,000 | $143,000 | $743,000 |
| Debt-To-Income Ratio | 34 | $7,010,000 | $206,000 | $1,175,000 | $94,000 | $407,000 |
| Credit History | 9 | $665,000 | $73,000 | $155,000 | $145,000 | $238,000 |
| Other | 3 | $585,000 | $195,000 | $405,000 | $65,000 | $110,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $112,000 | $112,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Coasthills Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Coasthills Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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