Home purchase lenders in San Luis Obispo County
2,088 home purchase mortgages were made in San Luis Obispo County, California, in 2025, by 271 lenders. The median rate their borrowers got was 6.625% on a median loan of $605,000. Of 2,388 decisions, 208 were denials — 8.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 280 | 6.609% | $625,000 | 8.8% |
| GUARANTEED RATE, INC. | 277 | 6.625% | $645,000 | 1.1% |
| COASTAL FUNDING SLC, INC. | 112 | 6.875% | $600,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 83 | 6.750% | $625,000 | 0.0% |
| Rocket Mortgage, LLC | 80 | 6.500% | $640,000 | 12.0% |
| KIND LENDING, LLC | 65 | 6.500% | $615,000 | 15.6% |
| Loandepot.Com, LLC | 59 | 6.625% | $565,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.750% | $690,000 | 11.1% |
| ENVOY MORTGAGE, LTD | 48 | 6.688% | $510,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 39 | 6.375% | $665,000 | 9.3% |
| SESLOC | 38 | 6.250% | $575,000 | 22.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 36 | 6.438% | $610,000 | 2.6% |
| THE LOAN STORE, INC. | 36 | 6.625% | $585,000 | 4.7% |
| Murphy Bank | 33 | 7.950% | $205,000 | 11.5% |
| Bank of America, National Association | 30 | 6.250% | $750,000 | 16.7% |
| U.S. Bank National Association | 27 | 6.500% | $805,000 | 18.2% |
| CENTRAL COAST LENDING, INC. | 26 | 6.750% | $575,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 6.750% | $455,000 | 10.7% |
| Wells Fargo Bank, National Association | 24 | 6.438% | $705,000 | 14.3% |
| DIGNIFIED HOME LOANS, LLC | 24 | 6.624% | $535,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 23 | 6.625% | $425,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 23 | 6.375% | $675,000 | 4.2% |
| MOVEMENT MORTGAGE, LLC | 22 | 6.625% | $600,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 21 | 6.500% | $675,000 | 0.0% |
| OCMBC, INC. | 19 | 6.625% | $485,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 15 | 6.250% | $535,000 | 0.0% |
| NEWREZ LLC | 13 | 6.500% | $495,000 | 18.8% |
| Commerce Home Mortgage, Inc. | 13 | 7.250% | $685,000 | 13.3% |
| Shea Mortgage Inc. | 13 | 6.500% | $405,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 12 | 8.830% | $200,000 | 34.9% |
| Morgan Stanley Private Bank, National Association | 12 | 5.513% | $880,000 | 0.0% |
| 549300U4NMMQ8OEM3D10 | 12 | Not published | $235,000 | 7.7% |
| CLEAREDGE LENDING LLC | 12 | 6.937% | $660,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.488% | $780,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.125% | $745,000 | 15.4% |
| Broker Solutions, Inc. | 11 | 6.875% | $575,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 11 | 6.625% | $615,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.375% | $595,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 10.450% | $760,000 | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.562% | $550,000 | 0.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 7.7% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 69.2% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| COASTHILLS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ML Mortgage Corp. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 57.1% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Riviera Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Insignia Capital Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| D. L. EVANS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Willamette Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALIFORNIA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BancFirst | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | 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 71 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.