What loan types does Coasthills Credit Union offer?

Coasthills Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 93.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Coasthills Credit Union?

Coasthills Credit Union is a Credit Union headquartered in Santa Maria, CA.

Unclaimed

Coasthills Credit Union

Credit Union•Santa Maria, CAHQ•Direct•Reviews near you on Google

Coasthills Credit Union has 30 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 54.40 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Coasthills Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 54.4 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

27 loans · 0.53% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

13 loans · 0.36% below market

Mediocre

Bottom 20% of lenders

1/5

Refinance

17 loans · 0.74% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Sound	27	90.0%	-0.525%Below	$600Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume27

Mix90.0%

Spread

-0.525%Below

Fees

$600Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	13	43.3%	-0.358%Below	$411Fees
Refinance	Acceptable	Acceptable	—	Acceptable	17	56.7%	-0.743%Below	$768Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume13

Mix43.3%

Spread

-0.358%Below

Fees

$411Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume17

Mix56.7%

Spread

-0.743%Below

Fees

$768Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$13 million

Pricing & Closing

Avg Rate Spread

-0.544%

vs. market APOR

Avg Net Fees

$584

Origination − Credits

Pullthrough Rate

48.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$435,333

Avg Borrower Income

$166,933

Avg Property Value

$738,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Santa Maria, CAMetro

Volume 16Mix 53.33% of portfolio

62/100

Strong

San Luis Obispo, CAMetro

Volume 11Mix 36.67% of portfolio

53/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 30Mix 100.00% of portfolio

55/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Coasthills Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.