Central Coast Lending, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Central Coast Lending, Inc. of Morro Bay, CA reported 98 mortgage applications totaling $47.2 million, up 20% from 2024. The average application was for $481,632, and applicants reported an average income of $332,010. 89% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Luis Obispo-Paso Robles-Arroyo Grande, CA (55), Oxnard-Thousand Oaks-Ventura, CA (9) and Salinas, CA (4) (applications in parentheses).
| Mortgage Company & Address | Central Coast Lending, Inc. 601 Morro Bay Blvd Morro Bay, CA 93442 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 98 |
| Total Mortgage Loan Application Amount | $47,200,000 |
| Average Mortgage Loan Application Amount | $481,632 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $332,010 |
| Highest Applicant Income | $5,494,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Coast Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 55 | $ 26,035,000 | $ 473,363 | $ 168,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,955,000 | $ 328,333 | $ 156,000 |
| Outside any metro area | 4 | $ 1,400,000 | $ 350,000 | $ 122,000 |
| Salinas, CA | 4 | $ 2,310,000 | $ 577,500 | $ 155,000 |
| Bakersfield, CA | 3 | $ 1,175,000 | $ 391,666 | $ 470,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 3,085,000 | $ 1,028,333 | $ 3,732,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 2,545,000 | $ 848,333 | $ 1,340,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,565,000 | $ 855,000 | $ 622,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,375,000 | $ 458,333 | $ 138,000 |
| Fresno, CA | 2 | $ 290,000 | $ 145,000 | $ 114,000 |
| Hanford-Corcoran, CA | 2 | $ 490,000 | $ 245,000 | $ 84,000 |
| Yuba City, CA | 2 | $ 790,000 | $ 395,000 | $ 138,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 215,000 | $ 215,000 | $ 276,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 575,000 | $ 575,000 | $ 537,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 505,000 | $ 505,000 | $ 106,000 |
| Vallejo-Fairfield, CA | 1 | $ 765,000 | $ 765,000 | $ 274,000 |
Mortgage Loan Application Detail Totals for Central Coast Lending, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 55 | $32,635,000 | $593,000 | $1,205,000 | $449,000 | $5,494,000 |
| Cash-out Refinancing | 30 | $8,430,000 | $281,000 | $885,000 | $131,000 | $374,000 |
| Refinancing | 12 | $5,920,000 | $493,000 | $755,000 | $303,000 | $1,184,000 |
| Home Improvement | 1 | $215,000 | $215,000 | $215,000 | $276,000 | $276,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 63 | $32,945,000 | $522,000 | $1,205,000 | $389,000 | $5,494,000 |
| Hispanic | 20 | $7,760,000 | $388,000 | $745,000 | $121,000 | $198,000 |
| Not Provided | 11 | $4,685,000 | $425,000 | $1,115,000 | $517,000 | $2,514,000 |
| Asian | 3 | $1,365,000 | $455,000 | $515,000 | $132,000 | $162,000 |
| Black or African American | 1 | $445,000 | $445,000 | $445,000 | $188,000 | $188,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 82 | $40,060,000 | $488,000 | $1,205,000 | $375,000 | $5,494,000 |
| FHA-insured (Federal Housing Administration) | 11 | $4,245,000 | $385,000 | $885,000 | $86,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,895,000 | $579,000 | $885,000 | $144,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 87 | $39,645,000 | $455,000 | $1,205,000 | $262,000 | $5,494,000 |
| Application Withdrawn By Applicant | 11 | $7,555,000 | $686,000 | $1,205,000 | $978,000 | $5,494,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 98 | $47,200,000 | $481,000 | $1,205,000 | $336,000 | $5,494,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Coast Lending, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Central Coast Lending, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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