CENTRAL COAST LENDING, INC.
CENTRAL COAST LENDING, INC. received 98 applications in 2025 and made 87 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $455,000. Of 87 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 549300OSXT524OFE8M55 |
|---|---|
| Applications received | 98 |
| Mortgages made | 87 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2705 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 47 | 6.625% | $545,000 | 0.0% |
| Refinancing | 11 | 6.490% | $575,000 | 0.0% |
| Cash-out refinancing | 28 | 6.990% | $205,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where CENTRAL COAST LENDING, INC. lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Luis Obispo County, CA | 49 | 6.750% | 0.0% |
| Ventura County, CA | 9 | Under 10 loans | 0.0% |
| Kern County, CA | 3 | Under 10 loans | 0.0% |
| Monterey County, CA | 3 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 3 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 3 | Under 10 loans | 0.0% |
| Fresno County, CA | 2 | Under 10 loans | 0.0% |
| Inyo County, CA | 2 | Under 10 loans | 0.0% |
| Kings County, CA | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 0.0% |
| Trinity County, CA | 0 | Under 10 loans | Not published |
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When CENTRAL COAST LENDING, INC.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.