# COASTAL FUNDING SLC, INC.

> **Canonical URL:** https://saferate.com/lenders/coastal-funding-slc


> **📋 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


COASTAL FUNDING SLC, INC. is a independent mortgage company, headquartered in SAN LUIS OBISPO, CA, serving borrowers across 3 states, with 294 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 15% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300U7F7T8UG5AI038
- **Headquarters:** SAN LUIS OBISPO, CA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CA, CO, OR
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.332%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,829
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 294
- **Dollar Volume:** $168 million
- **Applications Received:** 354
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $570,170
- **Average Borrower Income:** $252,551
- **Average Property Value:** $875,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 237 | +0.314% | $3,843 | Strong 😀 |
| FHA | 63/100 | 28 | +0.605% | $3,796 | Strong 😀 |
| VA | 57/100 | 17 | -0.285% | $3,359 | Sound ☺️ |
| Jumbo | 66/100 | 12 | +0.705% | $4,464 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 201 loans, Score: 65/100 (Strong)
- Refinance: 36 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 26 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 252 | $145M | +0.350% | Strong 😀 |
| Refinance | 58/100 | 42 | $23M | +0.190% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 292 | 0.10% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Luis Obispo | CA | 177 | 100/100 |
| Santa Maria | CA | 40 | 72/100 |
| Visalia, CA | CA | 23 | 59/100 |
| Oxnard | CA | 12 | 47/100 |

## Where This Lender Ranks

COASTAL FUNDING SLC, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in San Luis Obispo
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders)
- 🥉 **#3** in San Luis Obispo Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in San Luis Obispo for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** 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)
- 🏆 **#6** in San Luis Obispo for FHA Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/fha-loans)
- 🏆 **#6** 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)
- 🏆 **#6** in San Luis Obispo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in San Luis Obispo for VA Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/va-loans)
- 🏆 **#9** in San Luis Obispo for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Santa Maria Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in San Luis Obispo for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Santa Maria for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Santa Maria
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders)
- 🏆 **#16** in Visalia, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Visalia, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Santa Maria for Conventional Loans
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Visalia, CA
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does COASTAL FUNDING SLC, INC. offer?

COASTAL FUNDING SLC, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COASTAL FUNDING SLC, INC. offer mortgages?

COASTAL FUNDING SLC, INC. offers mortgages in 3 states: CA, CO, OR.

### How competitive are COASTAL FUNDING SLC, INC.'s mortgage rates?

COASTAL FUNDING SLC, INC. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.332% above market average.

### What type of lender is COASTAL FUNDING SLC, INC.?

COASTAL FUNDING SLC, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN LUIS OBISPO, CA.

### What is COASTAL FUNDING SLC, INC.'s loan approval success rate?

COASTAL FUNDING SLC, INC. has a pull-through score of 85/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/coastal-funding-slc

### How to Cite

> "COASTAL FUNDING SLC, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/coastal-funding-slc

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