Ethos Lending

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Welcome to Ethos Lending: Mortgages Made For You

Ethos Lending is not just another mortgage company. We’re driven by a simple yet powerful mission: to provide honest, transparent, and trustworthy lending services across the United States. Founded by Dino Katsiametis, our team is dedicated to revolutionizing the mortgage experience for every homeowner.
Mortgage services

The Right Mortgage, For Your Families Needs

Extending our search beyond typical lenders, we discover loan options tailored to your needs. Whatever your employment status, from salaried to entrepreneurial, we locate excellent loan choices for you. Count on us for expert guidance and support throughout the entire process.
Mortgage services

We scour the market for today’s best rates for your needs. Then go the extra mile to support you with expert advice and a fast, seamless experience.

Fantastic Experience

Outstanding communication, simplified the entire process for me as a first-time buyer.
The Nelson Family
Ranch Mission Viejo, CA (August 2023)
The Nelson Family
Ethos Lending mortgage services

Our Ethos: Integrity and Values at the Core

At Ethos Lending, integrity isn’t just a buzzword – it’s our way of doing business. Rooted in the Greek concept of “character,” our ethos guides everything we do. Transparency, honesty, and trust are not optional extras; they’re fundamental principles that shape every interaction with our clients.
HumilityNeed For Others
TrustBelief in Others
StewardshipResponsibility to other
CultureRelationship to Others
ActionService to Others

Leading with Clarity and Integrity

Navigating the mortgage landscape can be daunting. That’s why we’re here to make it simple. Ethos Lending cuts through the complexity with clear communication and ethical practices. No hidden fees, no fine print – just straightforward solutions tailored to your needs.
Ethos Lending mortgage services
Mortgage services

Your Family Partner in Financial Wellness

At Ethos Lending, we’re different from other loan originators. We’re partners in your long-term financial journey. Whether you’re buying your first home or refinancing your mortgage, we’ll provide personalized guidance and expert advice to help you achieve your long-term financial goals.

Excellence in Every Transaction

Trust is earned, not given. That’s why we’re committed to excellence in everything we do. From our customer service to our loan products, we hold ourselves to the highest standards to ensure a seamless and rewarding experience for every client.
Mortgage services

Meet Dino Katsiametis

Our Visionary Leader

Dino Katsiametis isn’t your typical CEO. With a passion for empowering homeowners and a commitment to ethical business, he’s the driving force behind Ethos Lending. With Dino at the helm, you can trust that you’re in the best hands every step of the way.
Connect with dino

Our Leadership

Dino Katsiametis

CEO & Founder

My 28-year track record of success in the mortgage industry has been based on performing without compromise, timely execution, and delivering on promises. Now, with the innovative approach of Ethos Lending I’m achieving my ambition of disrupting the archaic practices of the mortgage industry and I promise a refreshingly different experience for Loan Officers and clients.

more About Dino

Michael Mannino

President & Chief Financial Officer

I am dedicated to guiding strategic financial decisions and driving operational excellence. With my CPA and over twenty years experience in audits and tax preparation, I’ve led financial operations for companies with revenues exceeding $500 million. My role at Ethos Lending Inc. is to help guide the company as we fulfill our mission of supporting individuals and families build generational wealth through homeownership.
more About Michael

Mario O'Brien

Production Manager

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.
Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike…

more About Mario

Crystal Robinson

Executive Assistant

With over 10 years of experience in the mortgage industry, I specialize in helping busy professionals find peace by taking everyday tasks off their plate. My goal is to help you stay organized and focused on what matters most—both in your career and your life. When I’m not working, I love spending time with my husband Brooks and our one-year-old son Theo, soaking up the sun at the beach or connecting with our church community.
more About Crystal

Choose Ethos Lending for Your Mortgage Needs

In the complex mortgage landscape, it can be hard to know where to turn for the best advice.

Guided by our founder, Dino Katsiametis, we’re dedicated to reshaping the mortgage lending landscape. An unwavering commitment to integrity sets us apart from the rest.
Trust Ethos Lending to become your partner in your homeownership journey, and let us guide you towards lasting financial security and prosperity.

Ready to experience a better way to mortgage? Get in touch with us today.

Apply Now

We’ll be Right Here For You.

We’re here for you from start to finish, but you won’t be hassled by calls from our lenders. Have questions? Just ask.
Ethos Lending mortgage services

Why Choose ETHOS Lending?

Who has time to go to different banks to explain their situation and to understand their mortgage options? We’ll use our expertise to discover solutions you didn’t know were possible and secure the funding you deserve.

Our dashboard makes it easy. Request your pre-approval in less than 5 minutes. Upload your documents to lock in the best rate. Receive your full approval within 48 hours! An ETHOS Loan Expert is always on hand to advise and answer any questions.

We shop around for great deals. Our rate comparisons make selecting the best option for your home ownership goals easy and our Loan Officers are here for you with expert advice.

No worries about a great deal slipping through your fingers due to frustrating approval delays. Our fast, seamless funding process ensures you’ll soon be on your way to securing that dream property.

Lock in optimum terms at current interest rates so your home payments remain affordable. Or update your repayment schedule to create more equity!

Take advantage of the equity you’ve built in your home with cash-out refinancing. It’s your money – to spend however you want!

Some are household names, while newer players offer ultra-competitive options to challenge their established rivals. We’ll work with them to ensure you lock in the best terms possible.

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FAQS

Ethos Lending Delivers on Their
Promises

5.0

Over 1,234 Verified Reviews

Ethos Lending is fantastic!

I’ve done multiple loans with them and had great experiences every time. They’re very knowledgeable and honest, and are very good at explaining the loan process. They’re also very nice people and are extremely patient. I highly recommend Ethos Lending!!!

Simone M.

Verified Reviewer

February 15, 2026 | Source: Trustindex

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They locked us into a lower rate during a brief drop.

We cannot express how fortunate we are for the expertise of the Ethos team, who successfully guided us through the purchase of our lovely new home after the sale of our home of 24 years. The team is honest, responsive, and accountable. They were on top of all the required details to close in a very short timeline. Ethos Lending was amazing and locked us into a lower rate during a brief rate drop!

Kelly D.

Verified Reviewer

December 8, 2025 | Source: Trustindex

You Bring the Dream. We’ve Got
the Mortgage.

i’m buying
I’M REFINANCING
Mortgage services

Dino Katsiametis

CEO & Founder
INTEGRITY, TRANSPARENCY, TRUST.

I have a 28-year track record of success in the mortgage, banking, and real estate industries. Since I founded California Coastal Loans in 2000, I’ve grown my reputation and my business on the belief that when you treat your client in the way you would want to be treated, you create the foundation for a lasting relationship.

Performing without compromise, timely execution, and delivering on promises underpin my approach.
I’m passionate about the opportunities that networking can uncover. I collaborate with the best CPAs, financial planners, attorneys, accountants, real estate, and banking professionals in the business, leveraging their diverse talents and expertise to develop comprehensive financial scenarios and create win-win opportunities for clients and partners alike.

I’ve been described as a visionary, high praise indeed!. What I am is a strategic thinker who is never satisfied with the status quo, which is why I wanted to rebrand California Coastal Loans as it evolved into Ethos Lending Inc. 

My ambition was to make profound changes to the way we do things in the mortgage industry. With a great team around me, I developed innovative programs and harnessed advanced technology capable of delivering unparalleled levels of support that, put simply, transform the mortgage experience for Loan Officers and clients.

My core values continue to inform every aspect of my approach. With my decades of experience I think it’s fair to say I’m respected for my expertise, transparency, and willingness to demystify the intricacies of the ever-changing mortgage landscape. Clients have described me as attentive, approachable, insightful, and a great listener.

As a native Californian with Greek roots, I live in San Juan Capistrano, close to family and church, which I consider the pillars of my character. On my family farm we produce our own food, with respect for the environment and in harmony with the changing seasons.  

While building my mortgage business, I was also founder and host of the popular podcast “God’s Men of Influence”, where I promoted Christian values by interviewing men in leadership positions in the community about their walk with God. I also hosted a popular radio show “Money Matters with Dino”.

Michael Mannino

President & Chief Financial Officer
INSIGHT. ACTION. PERSISTENCE.
My career began in public accounting. After obtaining my CPA license I honed my skills in audits and tax preparation for corporations and high-net-worth individuals. Transitioning into corporate finance and earning my MBA along the way, I have managed financial operations for companies with revenues ranging from $250 million to over $500 million. In addition, I’ve spearheaded two M&A transactions, navigating complex financial landscapes with precision and strategic insight.

As President and Chief Financial Officer of Ethos Lending Inc. I bring a wealth of experience AND expertise to the role, guiding strategic financial decisions and driving operational excellence.

I believe that real estate is the cornerstone of long-term financial freedom, and am dedicated to helping individuals and families build generational wealth through homeownership.

Family values guide my life. My wife Mandy and I are dedicated supporters of several impactful charitable organizations. In particular, we are intimately involved with the Ronald McDonald House charity, with its inspiring mission to provide comfort and support to families with sick children. We also volunteer at our three children’s schools and have fun coaching their sports teams. 

Mario O'Brien

Production Manager

CREATIVITY. AUTHENTICITY.  GROWTH.

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.

Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.

Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.

Crystal Robinson

Executive Assistant
CREATIVITY. AUTHENTICITY.  GROWTH.
With over 10 years of experience in the mortgage industry, I specialize in helping busy professionals find peace by taking everyday tasks off their plate. My goal is to help you stay organized and focused on what matters most—both in your career and your life. When I’m not working, I love spending time with my husband Brooks and our one-year-old son Theo, soaking up the sun at the beach or connecting with our church community.

I am passionate professional with over a decade of experience in the mortgage industry. My heart is in bringing peace and clarity to the lives of others. I thrive on creating order, streamlining schedules, and taking everyday administrative tasks off your plate so you can focus on the things that truly move your business forward. With a strong background as an admin and a deep understanding of the demands of fast-paced careers, I’m here to be the calm in your chaos. / I am wife to Brooks, mama to our sweet son Theo, and having grown up in beautiful Orange County. That has shaped my love for the outdoors, and today you’ll often find my family and me at the beach or a local park enjoying the sunshine. / Outside of work, faith and family are everything to me. We are deeply involved in our church, and our beliefs are at the core of how we live, work, and serve others. Whether I’m organizing your calendar or chasing Theo around the park, I bring heart, care, and purpose into everything I do.