Applications / Mortgage Analytics / Lenders / California / Coast 2 Coast Funding Group
Lake Forest, CA · Independent non-bank lender · CFPB · 222 loans in 2025
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222
loans originated, 2025
222
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coast 2 Coast Funding Group, a small non-bank in Lake Forest, California, is almost purely a refinance lender, and four in five of its loans go to majority-minority neighborhoods.
Refinancing made up 97.3% of its 222 loans in 2025, and every loan was conventional. Similar lenders, independent non-banks making between half and twice as many loans, typically put 17.3% of their loans into those insured by the Federal Housing Administration; Coast 2 Coast made none. Its lending is concentrated in California, across 14 metros in two states.
A refinance lender lives on rate swings. It made 686 loans in 2020, when its typical rate was 2.99%, and 198 in 2024. Its typical rate is now 7.50%. In 2025 its loans rose 12% while the typical peer was flat, though the count remains below most of its peers.
It made 82.4% of its loans in majority-minority neighborhoods, against 21.5% at the typical peer. Low- and moderate-income (LMI) neighborhoods took 33.5%, more than at about nine in ten peers. LMI borrowers took 36.0%, against 22.8% at the typical peer. Five years earlier those shares were far lower, so its business has shifted toward these borrowers and areas.
Its typical loan was $295,000, a little below the $325,000 at the typical peer, and it made no jumbo loans, those larger than the conforming limit. It has lent in Los Angeles, its largest market, since 2006, but holds only a sliver of it, ranking 262 of 757 lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coast 2 Coast Funding Group took 222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 97.3% · Purchase 2.7%
Conventional 100.0% · of 222 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 218 | 98.2% |
| Oregon | 4 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 102 |
| Riverside-San Bernardino-Ontario | 75 |
| Anaheim-Santa Ana-Irvine | 14 |
| Bakersfield-Delano | 8 |
| San Diego-Chula Vista-Carlsbad | 5 |
| Bend | 3 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Stockton-Lodi | 3 |
| Oakland-Fremont-Berkeley | 2 |
| San Jose-Sunnyvale-Santa Clara | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005LE3FE2MIPPW66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877418 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7204459706 |
Established 27 February 2006. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Coast 2 Coast Funding Group's data.
Coast 2 Coast Funding Group's data
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Coast 2 Coast Funding Group and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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