What loan types does Coastal Funding SLC offer?

Coastal Funding SLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Coastal Funding SLC offer mortgages?

Coastal Funding SLC offers mortgages in 3 states: CA, CO, OR.

How competitive are Coastal Funding SLC's mortgage rates?

Coastal Funding SLC has an overall pricing score of 20.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Coastal Funding SLC?

Coastal Funding SLC is a Independent Mortgage Company headquartered in SAN LUIS OBISPO, CA.

Unclaimed

Coastal Funding SLC

Independent Mortgage Company•San Luis Obispo, CAHQ•Direct•Reviews near you on Google

Coastal Funding SLC has 294 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

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Regional · 4 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and Jumbo loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Coastal Funding SLC performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+33.2 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Exceptional	237	80.6%	+0.314%Above	$3,843Fees
FHA Loans	Sound	Strong	Acceptable	Exceptional	28	9.5%	+0.605%Above	$3,796Fees
VA Loans	Strong	Sound	—	Strong	17	5.8%	-0.285%Below	$3,359Fees
Jumbo Loans	Strong	Strong	—	—	12	4.1%	+0.705%Above	$4,464Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume237

Mix80.6%

Spread

+0.314%Above

Fees

$3,843Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume28

Mix9.5%

Spread

+0.605%Above

Fees

$3,796Fees

VA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume17

Mix5.8%

Spread

-0.285%Below

Fees

$3,359Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume12

Mix4.1%

Spread

+0.705%Above

Fees

$4,464Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Exceptional	252	85.7%	+0.350%Above	$3,764Fees
Refinance	Sound	Sound	Mediocre	Strong	42	14.3%	+0.190%Above	$4,334Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume252

Mix85.7%

Spread

+0.350%Above

Fees

$3,764Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume42

Mix14.3%

Spread

+0.190%Above

Fees

$4,334Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

294

Applications

354

Volume

$167 million

Pricing & Closing

Avg Rate Spread

+0.332%

vs. market APOR

Avg Net Fees

$3,829

Origination − Credits

Pullthrough Rate

83.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$570,170

Avg Borrower Income

$252,551

Avg Property Value

$875,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West3

CACOOR

Top Metro Areas by Place Specialization Score

San Luis Obispo, CAMetro

Volume 177Mix 60.20% of portfolio

100/100

Exceptional

Santa Maria, CAMetro

Volume 40Mix 13.61% of portfolio

72/100

Strong

Visalia, CAMetro

Volume 23Mix 7.82% of portfolio

59/100

Sound

Oxnard, CAMetro

Volume 12Mix 4.08% of portfolio

47/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 292Mix 99.32% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 Coastal Funding SLC?

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.