The History of All Coast Lending Inc. 

All Coast Lending Inc. wasn’t started as a company, but as an idea. An idea that the mortgage lending process could be simplified. An idea that the dream of homeownership is very much alive and well and an idea that the people working on your loan understand what you are going through because they have been there themselves.

Founded by President/CEO Michael Zadeh in 2015, All Coast Lending Inc. has grown from a single office with Michael Zadeh as the Only Loan Officer in Mesa Arizona, to over 6 brick and mortar branches (across many states) with many licensed loan officers. All Coast Lending Inc. has funded hundreds of millions of dollars in loans annually and consistently ranks as a top Mortgage Banker in industry rankings.

 While All Coast Lending Inc. has grown significantly over the years, we haven’t lost sight of our core values; to give back, provide exemplary customer service and not only meet, but exceed, each customer’s individual needs. All Coast Lending Inc. doesn’t just do business with customers but builds customers for life.


Our Promise:

Low, low rates and the ultimate in technology, service and advice.
Our founder, Michael Zadeh, designed All Coast Lending’s revolutionary,
market-disrupting model to do just that:

1. Give you a low, low rate on the right mortgage product, along with transparent, fair fees.

2. Leverage cutting-edge technology to streamline the mortgage process and simplify every step.

3. Provide unmatched service and expert advice to help you find the perfect mortgage.


Get your mortgage, your way, anytime, anywhere

Customers remain at the center of everything we do, from our easy-to-use App to our continued commitment to providing the personal service that has made us one of the most trusted mortgage providers in the country. Find the perfect mortgage for your situation, anytime, anywhere.

We understand that choosing a mortgage is the biggest financial decision of your life, and we’re committed to making the process as seamless, friendly and financially valuable to you as possible.

It’s a simple formula that has made us one of the most trusted mortgage providers in the U.S.

Flipping an industry model built for lenders on its head to put the borrowers’ needs first.
Dedicated to “Customer First” since our founding

In the beginning, there was uncertainty.

That was the mortgage marketplace for those looking to buy a home or refinance back in 2006 when Michael Zadeh and a few like-minded mortgage and real estate professionals got together under the banner of:


There has to be a better way!

Getting mortgage financing was complicated, incredibly time-consuming and, above all else, confusing. Rates and fees were hidden, the process was cumbersome, and service took a back seat to profit. In other words, it was a marketplace built for lenders, not borrowers.

Disrupting the market with innovation and focus
Michael and company understood that there was a golden opportunity for a lender that put customer needs at the center of the mortgage process. And thus, All Coast Lending was born. The All Coast Lending model started from a simple premise:

Simplify the process and bring the lowest rates, transparency and a high level of service to home buyers and those looking to refinance.

Accomplishing these goals required dispensing with the old, traditional business model and coming up with an innovative way to create simplicity, efficiency, security and clarity across the entire mortgage process.


Building the most efficient process in the world

From the beginning, All Coast Lending Inc. leaned on technology and top talent to bring solutions to the most vexing issues in the mortgage process:

We designed a unique “Mortgage Pod” model that surrounds each of our top-performing loan officers with his or her own team of highly-trained specialists, streamlining the process for customers through the use of state-of-the-art data and communications technologies.

We developed new technologies that empower customers by allowing real-time, online access to rates and information about all of our loan products. From the World’s First Digital Mortgage to our powerful Intuitive Loan Finder to our new Mobile App, our proprietary tools are designed to help borrowers find their perfect mortgage anywhere at any time.

Our Transfer safe secure document transfer and storage system allows customers to easily share financial documents digitally in a 100% secure environment, streamlining the process and eliminating time-wasting faxing and paper-pushing.


We promise every customer a low, low rate and full transparency on fees.

We work hard to ensure that every closing happens on time and with no surprises.

Our business approach continues to be disruptive and revolutionary. The nation’s top real estate agents, some of whom helped us design our system way back in 2000, continue to recommend us to their premier customers with confidence. Our business has grown organically via word-of-mouth, first in our home market of Chicago, and then across the country.

The final piece of the puzzle: Our people

We’re committed to giving you all the marketplace intelligence you need to make an informed mortgage choice. Have a question? We have answers – fast. Our experts are among the top-performing mortgage professionals in the business for a good reason: highly satisfied customers recommend their Guaranteed Rate loan officers to friends and family members.

What started with 5 dedicated people working 18 hour days in a small office in Arizona has grown into a leading lender with a team of  dedicated mortgage professionals serving customers coast-to-coast. We come to work every day knowing that our success is directly attributable to putting customers first. It’s not a slogan with us. It’s at the very core of our business.

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