Applications / Mortgage Analytics / Lenders / California / North Coast Financial
Oceanside, CA · Non-bank or government lender · CFPB · 63 loans in 2025
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63
loans originated, 2025
67
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Coast Financial, an Oceanside, California lender, makes mostly other-purpose loans rather than purchases or refinances, across 15 California metros.
Other-purpose loans made up 82.5% of its lending in 2025, purchases 14.3% and refinances 3.2%. All were conventional. Its typical rate was 10.75%, against 6.62% at similar lenders, lenders of the same type making between half and twice as many loans. Other-purpose lending, which differs from ordinary home loans, may account for much of the difference.
It made 63 loans, down 23% from 82 in 2024, while similar lenders fell 5% and the whole market grew 10%. Its typical loan fell to $255,000 from $345,000, smaller than at about three-quarters of similar lenders.
Majority-minority neighborhoods took 61.9% of its loans, against 31.1% at similar lenders, more than at most of them. That may reflect where it lends: in 15 metros, all in California.
It first reported in 2018. In San Diego-Chula Vista-Carlsbad, its largest market, it ranked 291 of 639 lenders; in Los Angeles-Long Beach-Anaheim it ranked 468 of 757. It entered Santa Maria-Santa Barbara in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Coast Financial took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 82.5% · Purchase 14.3% · Refinance 3.2%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 16 |
| Los Angeles-Long Beach-Glendale | 11 |
| Riverside-San Bernardino-Ontario | 8 |
| San Jose-Sunnyvale-Santa Clara | 6 |
| San Francisco-San Mateo-Redwood City | 4 |
| Oakland-Fremont-Berkeley | 3 |
| Sacramento-Roseville-Folsom | 3 |
| Santa Cruz-Watsonville | 3 |
| San Rafael | 2 |
| Vallejo | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900I445780YG38U05 | 2018–2025 |
Established 26 June 2009. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: North Coast Financial's data.
North Coast Financial's data
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North Coast Financial 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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