Cal Coast Financial Corp

What Cal Coast Financial Corp does

Cal Coast Financial Corp is a California-based residential mortgage origination company founded in 1998 and headquartered at 6601 Owens Drive, Suite 260, Pleasanton, CA. It operates three licensed branches across the state — Pleasanton (main), Irvine (NMLS #1284199), and Roseville (NMLS #1456867) — and is licensed at the corporate level under NMLS #328875, BRE #1075591, and DBO #60DBO83886. Its core business is brokering residential mortgage loans through a multi-lender network, rather than lending on its own balance sheet.

The company's product set covers the full retail mortgage menu: fixed-rate loans (10- to 30-year terms), adjustable-rate mortgages (3/1, 5/1, 7/1), FHA loans (3.5% minimum down), VA loans (up to 100% financing), purchase financing for primary residences, vacation homes, and investment properties, and refinancing (rate-and-term and cash-out). Application channels include a website self-serve Short Application for quick rate quotes, a Secure 1003 online application portal with 256-bit SSL encryption for full loan processing, and a downloadable PDF form for offline submission. Supporting tools comprise five online calculators (monthly payment, bi-weekly payment, affordability, amortization, refinance).

Cal Coast's revenue model is transaction-based origination fees on closed loans, generated by a sales-led and inside-sales force of 26+ named loan officers plus operational staff (total headcount 101-250 per firmographics). Loan officers engage customers through phone, in-person branch consultations, and online applications, then match the borrower to a lender from the multi-lender network based on credit profile, loan type, and pricing. GTM is hybrid: top-of-funnel content marketing via the website, organic social (Instagram, Facebook, LinkedIn), and bottom-of-funnel referral-driven direct sales. Customer base is geographically concentrated in California and highly diversified across individual borrowers across all credit tiers (Excellent to Poor, including post-bankruptcy and post-foreclosure), with no enterprise or institutional customers.

Name

Cal Coast Financial Corp

Legal name

Cal Coast Financial Corp

Website

https://calcoastmtg.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

Cal Coast Financial Corp is a California-based residential mortgage broker (founded 1998, headquartered in Pleasanton) that originates fixed-rate, ARM, FHA, and VA loans through a multi-lender network, serving California homebuyers and refinancers across all credit tiers via three branches and an online application portal.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Rate-and-Term Refinance Origination (FSALAAAE), Cash-Out Refinance Origination (FSALAAAF), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinancing
• FHA loan origination
• VA loan services

Headquarters

HQ city

Pleasanton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination Fees: The company originates residential mortgages by working with multiple lenders. Revenue is generated through origination fees charged on completed mortgage transactions. They provide purchase mortgages, refinances, and various loan types (FHA, VA, conventional) through their lender network.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Cal Coast Financial Corp is a California-based residential mortgage lender that originates home purchase mortgages and refinances by working with a network of multiple wholesale lenders to deliver competitive pricing. It offers fixed-rate, adjustable-rate (ARM), FHA, and VA loan programs to California consumers and supports the origination process through a secure online 1003 application portal, a short rate-quote form, downloadable PDF applications, and a suite of online mortgage calculators. Service is delivered through its website, phone-based consultations, and three physical branches (Pleasanton, Irvine, Roseville) staffed by individual loan officers.

Product overview

Cal Coast Financial Corp is a California-based residential mortgage lender offering a comprehensive suite of loan products and application tools. Their core offerings include Fixed-Rate Loans (10-30 year terms), Adjustable Rate Loans (3/1, 5/1, 7/1 ARM products), FHA Loans (with 3.5% minimum down), and VA Loans (with 100% financing for qualified veterans). The company provides multiple application channels including an online Short Application for quick rate quotes, a full Secure 1003 Application portal for complete loan processing, and downloadable PDF forms for offline submission. Supporting tools include a suite of five Mortgage Calculators covering monthly payments, biweekly savings, affordability analysis, amortization schedules, and refinancing calculations. The company works with multiple lenders to offer competitive pricing and finds appropriate loan scenarios for each borrower's needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed-Rate Loans Fixed-rate mortgage loans with terms of 10, 15, 20, 25, and 30 years, where monthly payments remain constant throughout the loan term, providing payment predictability for California homeowners and homebuyers.
• Adjustable Rate Loans (ARM) Adjustable rate mortgage products including 3/1, 5/1, and 7/1 ARM, where the interest rate is fixed for an initial period of 3, 5, or 7 years and then adjusts annually based on financial indexes.
• FHA Loans Federal Housing Administration-insured mortgages allowing home purchases with as little as 3.5% down payment, with minimum credit score requirements typically starting at 620, for California homebuyers.
• VA Loans Veterans Affairs-guaranteed loans offering competitive interest rates, up to 100% financing with no down payment required, and no private mortgage insurance for qualified military borrowers in California.
• Home Purchase Financing Mortgage financing service for California buyers purchasing residential properties, including primary residences, vacation homes, and investment properties, with multiple down payment options across loan programs.
• Mortgage Refinancing Refinance service allowing California homeowners to replace existing mortgages with new loans, potentially at lower rates, to reduce monthly payments, change loan terms, or access home equity.
• Short Application (Rate Quote) Quick online form that lets prospective California borrowers obtain a free rate quote and detailed information on available loan products without obligation, with an option to upgrade to a pre-approval letter.
• Full 1003 Application (Secure Online Mortgage Application) Complete Form 1003 mortgage application accessible via a secure online portal with 256-bit SSL encryption, account creation, password setup, and loan officer selection, used for full loan processing for California borrowers.
• Download Application (PDF Mortgage Application) Printable PDF version of the standard mortgage application that California borrowers can download, complete offline, and submit via mail or fax.

Quantifiable outcome

• Refinancing can lower monthly payments and provide net interest savings
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Multiple Lenders NetworkcoreOthersCal Coast Financial Corp works with multiple lenders to provide competitive pricing and diverse loan program options to clients. Unlike big banks restricted to their own products, the company can match borrowers with the lender that best fits their needs.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• LoanDepot: Large multi-channel retail mortgage lender offering purchase and refinance loans across the U.S. Both operate as retail mortgage originators serving California consumers with a multi-product loan suite and loan officer-driven sales model.
• United Wholesale Mortgage (UWM): The largest U.S. wholesale mortgage lender, supplying loan products to independent mortgage brokers like Cal Coast. UWM is both a key supplier to Cal Coast's broker model and a competitive force through its own broker-channel innovations (e.g., UWM Direct).
• New American Funding: California-headquartered retail mortgage lender (Tustin, CA) with a comparable multi-product loan suite, large loan officer bench, and focus on diverse borrower segments including first-time buyers. Directly overlaps with Cal Coast's California retail origination footprint.
• Guild Mortgage: National retail mortgage lender with a strong California presence, offering FHA, VA, conventional, and USDA loans through a branch-based loan officer model. Closely comparable in go-to-market (in-person loan officer + multiple loan programs) and customer base.
• Paramount Residential Mortgage Group (PRMG): Large independent retail mortgage lender with significant California origination volume, broad product mix (FHA, VA, conventional, USDA, jumbo), and a loan officer-driven sales model. Direct competitor in California retail mortgage space.
• Fairway Independent Mortgage: Top-10 U.S. retail mortgage lender with a multi-branch, loan-officer-driven retail model. Comparable product suite (purchase, refi, FHA, VA, conventional) and similar mid-sized private company profile serving diverse credit profiles.
• Caliber Home Loans: Large direct-to-consumer and retail mortgage lender with broad product offerings including non-QM, conventional, FHA, VA, and jumbo. Overlaps with Cal Coast in retail purchase and refinance origination, including service to borrowers with non-prime credit profiles.
• CrossCountry Mortgage: Top-10 U.S. retail mortgage lender with strong branch presence in California and a loan officer-driven retail model. Offers comparable product suite and serves similar California homeowner and homebuyer segments.
• Homepoint: Wholesale and retail mortgage lender serving independent brokers and retail consumers. Overlaps with Cal Coast as a wholesale partner/supplier and as a competitor in select retail segments.

Broad incumbents

• Rocket Mortgage: The largest U.S. retail mortgage lender with a digital-first platform, well-known brand, and broad product suite including FHA, VA, and conventional. Competes with Cal Coast for the same California purchase and refinance borrower segment, but at vastly greater scale and with deeper tech investment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/calcoastfinancialcorp
• Facebookfacebook.com/CalCoastMortgage
• LinkedInlinkedin.com/company/cal-coast-financial
• Instagraminstagram.com/calcoastfinancialcorp

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cal Coast Financial Corp