Coastal Funding Slc, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Coastal Funding Slc, Inc. of San Luis Obispo, CA reported 527 mortgage applications totaling $229.7 million, up 75% from 2018. The average application was for $435,834, and applicants reported an average income of $164,113. 79% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Luis Obispo-Paso Robles-Arroyo Grande, CA (347), Santa Maria-Santa Barbara, CA (73) and Oakland-Hayward-Berkeley, CA (18) (applications in parentheses).
| Mortgage Company & Address | Coastal Funding Slc, Inc. 735 Tank Farm Road, Suite 210 San Luis Obispo, CA 93401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 527 |
| Total Mortgage Loan Application Amount | $229,685,000 |
| Average Mortgage Loan Application Amount | $435,834 |
| Highest Mortgage Loan Application Amount | $2,995,000 |
| Average Applicant Income | $164,113 |
| Highest Applicant Income | $2,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Coastal Funding Slc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 347 | $ 148,285,000 | $ 427,334 | $ 165,000 |
| Santa Maria-Santa Barbara, CA | 73 | $ 27,755,000 | $ 380,205 | $ 139,000 |
| Oakland-Hayward-Berkeley, CA | 18 | $ 10,600,000 | $ 588,888 | $ 172,000 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 7,240,000 | $ 603,333 | $ 203,000 |
| San Francisco-Redwood City-South San Francisco, CA | 12 | $ 9,560,000 | $ 796,666 | $ 232,000 |
| San Diego-Carlsbad, CA | 8 | $ 6,220,000 | $ 777,500 | $ 225,000 |
| Visalia-Porterville, CA | 7 | $ 1,265,000 | $ 180,714 | $ 113,000 |
| Outside any metro area | 6 | $ 1,310,000 | $ 218,333 | $ 217,500 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,200,000 | $ 533,333 | $ 213,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,325,000 | $ 265,000 | $ 72,000 |
| Salinas, CA | 5 | $ 1,405,000 | $ 281,000 | $ 90,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,070,000 | $ 517,500 | $ 215,000 |
| Napa, CA | 4 | $ 1,070,000 | $ 267,500 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,750,000 | $ 437,500 | $ 195,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,055,000 | $ 351,666 | $ 118,000 |
| Bend-Redmond, OR | 2 | $ 770,000 | $ 385,000 | $ 112,000 |
| Fresno, CA | 2 | $ 640,000 | $ 320,000 | $ 222,000 |
| San Rafael, CA | 2 | $ 1,470,000 | $ 735,000 | $ 194,000 |
| Bakersfield, CA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Chico, CA | 1 | $ 265,000 | $ 265,000 | $ 44,000 |
| Modesto, CA | 1 | $ 345,000 | $ 345,000 | $ 113,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 395,000 | $ 395,000 | $ 111,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 425,000 | $ 425,000 | $ 387,000 |
| Santa Rosa, CA | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Yuba City, CA | 1 | $ 405,000 | $ 405,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Coastal Funding Slc, Inc. in 2019
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 | 251 | $109,945,000 | $438,000 | $2,995,000 | $167,000 | $2,999,000 |
| Refinancing | 222 | $98,310,000 | $442,000 | $1,615,000 | $169,000 | $2,734,000 |
| Cash-out Refinancing | 51 | $19,545,000 | $383,000 | $665,000 | $130,000 | $557,000 |
| Home Improvement | 3 | $1,885,000 | $628,000 | $925,000 | $141,000 | $201,000 |
| 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 | 355 | $146,585,000 | $412,000 | $1,615,000 | $155,000 | $2,734,000 |
| Not Provided | 116 | $59,270,000 | $510,000 | $2,995,000 | $216,000 | $2,999,000 |
| Hispanic | 43 | $18,165,000 | $422,000 | $2,345,000 | $116,000 | $582,000 |
| Asian | 6 | $3,010,000 | $501,000 | $785,000 | $119,000 | $153,000 |
| Black or African American | 3 | $1,265,000 | $421,000 | $465,000 | $94,000 | $154,000 |
| American Indian or Alaskan Native | 3 | $915,000 | $305,000 | $395,000 | $98,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $475,000 | $475,000 | $475,000 | $126,000 | $126,000 |
| Not applicable | 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) | 465 | $200,765,000 | $431,000 | $2,995,000 | $173,000 | $2,999,000 |
| FHA-insured (Federal Housing Administration) | 39 | $18,615,000 | $477,000 | $925,000 | $114,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 22 | $9,920,000 | $450,000 | $595,000 | $72,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $385,000 | $385,000 | $385,000 | $89,000 | $89,000 |
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 | 418 | $181,630,000 | $434,000 | $2,995,000 | $170,000 | $2,999,000 |
| Application Withdrawn By Applicant | 104 | $45,890,000 | $441,000 | $2,345,000 | $143,000 | $1,082,000 |
| File Closed For Incompleteness | 4 | $1,950,000 | $487,000 | $925,000 | $54,000 | $91,000 |
| Application Approved But Not Accepted | 1 | $215,000 | $215,000 | $215,000 | $151,000 | $151,000 |
| 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 | 527 | $229,685,000 | $435,000 | $2,995,000 | $164,000 | $2,999,000 |
| 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 Coastal Funding Slc, Inc.'s 2019 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 Coastal Funding Slc, 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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