SESLOC
SESLOC received 800 applications in 2025 and made 484 mortgages, in 19 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $175,000. Of 701 decisions, 210 were denials — 30.0%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002LW7G8E8SHWC88 |
|---|---|
| Applications received | 800 |
| Mortgages made | 484 |
| Denied | 210 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 99 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 46 | 6.375% | $555,000 | 21.7% |
| Refinancing | 36 | 7.500% | $325,000 | 18.8% |
| Cash-out refinancing | 29 | 6.500% | $425,000 | 11.8% |
| Other purposes | 373 | 7.500% | $155,000 | 32.9% |
Where SESLOC lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Luis Obispo County, CA | 387 | 7.500% | 28.2% |
| Santa Barbara County, CA | 78 | 7.500% | 36.3% |
| Los Angeles County, CA | 3 | Under 10 loans | 25.0% |
| San Diego County, CA | 3 | Under 10 loans | 25.0% |
| Fresno County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 50.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 66.7% |
| Plumas County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 0 | Under 10 loans | 100.0% |
| Orange County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | 100.0% |
| Santa Cruz County, CA | 0 | Under 10 loans | 100.0% |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When SESLOC’s figures are published for the next year, or restated.
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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. 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.