# CENTRAL COAST LENDING, INC.

> **Canonical URL:** https://saferate.com/lenders/central-coast-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CENTRAL COAST LENDING, INC. is a independent mortgage company, headquartered in MORRO BAY, CA, with 58 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300OSXT524OFE8M55
- **Headquarters:** MORRO BAY, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.249%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,086
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 58
- **Dollar Volume:** $28 million
- **Applications Received:** 61
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $481,379
- **Average Borrower Income:** $158,483
- **Average Property Value:** $815,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 49 | +0.186% | $3,364 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 36 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 45 | $23M | +0.294% | Sound ☺️ |
| Refinance | 21/100 | 13 | $4M | +0.072% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 58 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Luis Obispo | CA | 42 | 77/100 |

## Where This Lender Ranks

CENTRAL COAST LENDING, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in San Luis Obispo for FHA Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in San Luis Obispo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in San Luis Obispo Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in San Luis Obispo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does CENTRAL COAST LENDING, INC. offer?

CENTRAL COAST LENDING, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CENTRAL COAST LENDING, INC. offer mortgages?

CENTRAL COAST LENDING, INC. offers mortgages in 1 states: CA.

### How competitive are CENTRAL COAST LENDING, INC.'s mortgage rates?

CENTRAL COAST LENDING, INC. has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.249% above market average.

### What type of lender is CENTRAL COAST LENDING, INC.?

CENTRAL COAST LENDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in MORRO BAY, CA.

### What is CENTRAL COAST LENDING, INC.'s loan approval success rate?

CENTRAL COAST LENDING, INC. has a pull-through score of 38/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/central-coast-lending

### How to Cite

> "CENTRAL COAST LENDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/central-coast-lending

---

**[View Interactive Profile →](https://saferate.com/lenders/central-coast-lending)**