Applications / Mortgage Analytics / Lenders / California / Central Coast Lending / Competition
Central Coast Lending
Morro Bay, CA · Independent non-bank lender · CFPB · 87 loans in 2025
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87
loans originated, 2025
98
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Central Coast Lending competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SAN LUIS OBISPO-PASO ROBLES, CA, 2025
Central Coast Lending ranks 20th of 312 lenders in San Luis Obispo-Paso Robles, CA, with $22.1M lent: 0.9% of a $2.52B market.
San Luis Obispo-Paso Robles, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — OXNARD-THOUSAND OAKS-VENTURA, CA, 2025
Central Coast Lending ranks 222nd of 422 lenders in Oxnard-Thousand Oaks-Ventura, CA, with $3.0M lent: 0.0% of a $6.98B market.
Oxnard-Thousand Oaks-Ventura, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SANTA CRUZ-WATSONVILLE, CA, 2025
Central Coast Lending ranks 102nd of 271 lenders in Santa Cruz-Watsonville, CA, with $2.6M lent: 0.1% of a $2.11B market.
Santa Cruz-Watsonville, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
Central Coast Lending ranks 587th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $1.9M lent: 0.0% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Central Coast Lending ranks 448th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $1.6M lent: 0.0% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — VALLEJO, CA, 2025
Central Coast Lending ranks 251st of 363 lenders in Vallejo, CA, with $765K lent: 0.0% of a $3.45B market.
Vallejo, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — YUBA CITY, CA, 2025
Central Coast Lending ranks 166th of 229 lenders in Yuba City, CA, with $415K lent: 0.0% of a $1.09B market.
Yuba City, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — SALINAS, CA, 2025
Central Coast Lending ranks 161st of 300 lenders in Salinas, CA, with $1.6M lent: 0.1% of a $2.47B market.
Salinas, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Coast Lending in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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