Mortgage lenders in San Luis Obispo County
4,840 mortgages were made in San Luis Obispo County, California, in 2025, by 376 lenders. The median rate their borrowers got was 6.750% on a median loan of $455,000. Of 6,464 decisions, 1,329 were denials — 20.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 505 | 6.500% | $555,000 | 13.4% |
| GUARANTEED RATE, INC. | 435 | 6.625% | $645,000 | 2.6% |
| SESLOC | 387 | 7.500% | $195,000 | 28.2% |
| Rocket Mortgage, LLC | 248 | 6.625% | $445,000 | 21.3% |
| COASTAL FUNDING SLC, INC. | 177 | 6.875% | $585,000 | 0.0% |
| Loandepot.Com, LLC | 166 | 6.750% | $445,000 | 15.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 125 | 6.750% | $525,000 | 0.8% |
| THE GOLDEN 1 | 120 | 7.750% | $155,000 | 35.9% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 6.750% | $590,000 | 13.6% |
| Bank of America, National Association | 105 | 6.125% | $275,000 | 36.4% |
| KIND LENDING, LLC | 95 | 6.875% | $545,000 | 25.6% |
| JPMorgan Chase Bank, National Association | 85 | 6.375% | $565,000 | 14.7% |
| U.S. Bank National Association | 78 | 7.500% | $290,000 | 44.2% |
| THE LOAN STORE, INC. | 68 | 6.875% | $475,000 | 14.1% |
| ENVOY MORTGAGE, LTD | 64 | 6.625% | $515,000 | 3.0% |
| SPRING EQ, LLC | 55 | 8.000% | $135,000 | 60.9% |
| CENTRAL COAST LENDING, INC. | 49 | 6.750% | $455,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 46 | 8.188% | $155,000 | 22.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 45 | 6.375% | $625,000 | 2.1% |
| SCHOOLSFIRST | 41 | 5.990% | $205,000 | 2.3% |
| NEWREZ LLC | 38 | 6.625% | $455,000 | 39.7% |
| Murphy Bank | 37 | 7.950% | $205,000 | 10.5% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.000% | $515,000 | 13.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 35 | 6.625% | $455,000 | 10.3% |
| Mechanics Bank | 34 | 7.250% | $305,000 | 25.0% |
| Wells Fargo Bank, National Association | 34 | 6.375% | $595,000 | 15.0% |
| ALLIANT CREDIT UNION | 34 | 7.750% | $205,000 | 23.9% |
| DIGNIFIED HOME LOANS, LLC | 31 | 6.624% | $505,000 | 0.0% |
| FIGURE LENDING LLC | 30 | 8.525% | $90,000 | 29.0% |
| COASTHILLS CREDIT UNION | 30 | 7.000% | $165,000 | 25.0% |
| MOVEMENT MORTGAGE, LLC | 30 | 6.625% | $620,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 30 | 6.375% | $585,000 | 8.8% |
| FINANCE OF AMERICA REVERSE LLC | 30 | 6.750% | $475,000 | 3.1% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 27 | 6.250% | $205,000 | 45.5% |
| ALAMEDA MORTGAGE CORPORATION | 27 | 6.625% | $445,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 26 | 5.513% | $775,000 | 3.7% |
| Third Federal Savings and Loan Association of Cleveland | 25 | 6.990% | $195,000 | 43.1% |
| UMB Bank, National Association | 25 | 5.900% | $145,000 | 39.0% |
| OCMBC, INC. | 25 | 6.750% | $485,000 | 5.9% |
| Paramount Residential Mortgage Group, Inc. | 25 | 6.500% | $675,000 | 0.0% |
| CLEAREDGE LENDING LLC | 24 | 7.250% | $615,000 | 11.1% |
| Navy Federal Credit Union | 23 | 8.250% | $255,000 | 39.5% |
| Broker Solutions, Inc. | 23 | 6.875% | $425,000 | 11.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.375% | $480,000 | 17.2% |
| Coastal Community Bank | 21 | 9.990% | $85,000 | 1.5% |
| Citadel Servicing Corporation | 21 | 7.125% | $605,000 | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.625% | $405,000 | 47.9% |
| Commerce Home Mortgage, Inc. | 19 | 7.250% | $655,000 | 13.6% |
| FRANKLIN LOAN CORPORATION | 19 | 6.500% | $515,000 | 0.0% |
| NEXERA HOLDING LLC | 17 | 7.500% | $405,000 | 19.1% |
| PACIFIC SERVICE CREDIT UNION | 17 | 7.500% | $125,000 | 9.5% |
| UNION HOME MORTGAGE CORP. | 17 | 6.375% | $615,000 | 5.6% |
| AMWEST FUNDING CORP. | 16 | 8.125% | $330,000 | 11.1% |
| AmeriSave Mortgage Corporation | 15 | 8.000% | $155,000 | 69.4% |
| STAR ONE Credit Union | 15 | 6.250% | $235,000 | 28.0% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 6.375% | $460,000 | 10.0% |
| Umpqua Bank | 14 | 8.250% | $505,000 | 16.7% |
| Charles Schwab Bank, SSB | 14 | 5.525% | $780,000 | 12.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.790% | $125,000 | 18.8% |
| CMG MORTGAGE, INC. | 13 | 7.250% | $365,000 | 5.6% |
| QUORUM FEDERAL CREDIT UNION | 13 | 7.875% | $305,000 | 33.3% |
| Shea Mortgage Inc. | 13 | 6.500% | $405,000 | 0.0% |
| JMAC LENDING, INC. | 13 | 6.750% | $595,000 | 13.3% |
| 549300U4NMMQ8OEM3D10 | 13 | Not published | $235,000 | 7.1% |
| V.I.P. MORTGAGE, INC. | 13 | 6.375% | $505,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 12 | 8.830% | $200,000 | 37.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.990% | $665,000 | 36.8% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.313% | $555,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.500% | $550,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 11 | 8.500% | $215,000 | 64.5% |
| Mortgage Research Center, LLC | 11 | 5.990% | $605,000 | 31.3% |
| Firefighters First Federal Credit Union | 11 | 7.750% | $355,000 | 15.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 10.250% | $225,000 | 8.3% |
| KINECTA | 11 | 6.740% | $205,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 10 | 7.438% | $765,000 | 8.3% |
| Kiavi Funding, Inc. | 10 | 10.450% | $760,000 | 9.1% |
| Lendage, LLC | 10 | 11.125% | $75,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 66.7% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 30.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 72.4% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 63.2% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| USALLIANCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| American Riviera Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| MORIA DEVELOPMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 27.3% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Patelco Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Axos Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Fremont Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| F&A Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| WESCOM CENTRAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 22.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 54.6% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Provident Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Banner Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERIWEST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 63.6% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 37.5% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 176 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in San Luis Obispo County
54 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Mechanics Bank | 12 | $1.5 billion |
| Columbia Bank | 8 | $1.1 billion |
| JPMorgan Chase Bank, National Association | 6 | $1.9 billion |
| Wells Fargo Bank, National Association | 5 | $1.3 billion |
| U.S. Bank National Association | 4 | $527.6 million |
| Bank of America, National Association | 3 | $997.6 million |
| American Riviera Bank | 3 | $458.7 million |
| Banc of California | 3 | $315.5 million |
| Bank of the Sierra | 3 | $196.8 million |
| UMB Bank, National Association | 2 | $221.0 million |
| Community West Bank | 2 | $66.9 million |
| West Coast Community Bank | 1 | $54.3 million |
| Mission Bank | 1 | $53.4 million |
| Murphy Bank | 1 | $35.7 million |
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 900 Rancho Pkwy, Arroyo Grande
- Pacific Premier Bank, National Association, 1144 Morro St, San Luis Obispo
- Pacific Premier Bank, National Association, 1530 E Grand Ave, Arroyo Grande
- Pacific Premier Bank, National Association, 2255 Main St, Cambria
- Pacific Premier Bank, National Association, 400 S River Rd, Paso Robles
- Pacific Premier Bank, National Association, 545 12th St, Paso Robles
- Pacific Premier Bank, National Association, 7480 El Camino Real, Atascadero
- Pacific Premier Bank, National Association, 898 Morro Bay Blvd, Morro Bay
Get told when this changes
When the next year’s lending figures are out for San Luis Obispo County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.