HomeCaliforniaSan Luis Obispo CountyMortgage lenders
mortgage lenders · HMDA 2023–2025

Mortgage lenders in San Luis Obispo County, California

Fat Boy Data analyzed home purchase mortgage activity in San Luis Obispo County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,785 applications were decided by 310 lenders between 2023 and 2025.

San Luis Obispo County at a glance

310Active lenders46 with 20+ decisions
89.9%Market approval rate5,202 of 5,785 decided
$605KTypical loanmedian lender, $10K brackets
95%Borrower take-up4,961 loans funded

How San Luis Obispo County compares

Approval rate compared
San Luis Obispo County89.9%California88.4%All 616 counties87.6%
Typical loan compared
San Luis Obispo County$605KCalifornia$555KAll 616 counties$335K

What the data shows

Guaranteed Rate, Inc. made the most home purchase mortgages in San Luis Obispo County, CA, 587 of them.

Coastal Funding Slc, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 290.

Approval rate of all 46 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 21% approved of 61Flagstar Bank, National Association: 55% approved of 31Educational Employees Credit Union: 59% approved of 22Credit Human Federal Credit Union: 60% approved of 45Triad Financial Services, Inc.: 65% approved of 134U.S. Bank National Association: 74% approved of 116Bank of America, National Association: 75% approved of 85Provident Funding Associates, L.P.: 76% approved of 25BMO Bank National Association: 76% approved of 21Mechanics Bank: 77% approved of 22Murphy Bank: 79% approved of 111Mortgage Research Center, LLC: 81% approved of 27Sesloc: 82% approved of 125Kind Lending, LLC: 83% approved of 181Wells Fargo Bank, National Association: 84% approved of 43Sierra Pacific Mortgage Company, Inc.: 84% approved of 57Freedom Mortgage Corporation: 86% approved of 21Rocket Mortgage, LLC: 87% approved of 232Newrez LLC: 88% approved of 24Pennymac Loan Services, LLC: 88% approved of 140Citibank, National Association: 88% approved of 25Change Lending, LLC: 89% approved of 28Ocmbc, Inc.: 90% approved of 39Fairway Independent Mortgage Corporation: 91% approved of 34Golden Empire Mortgage, Inc.: 92% approved of 93United Wholesale Mortgage, LLC: 93% approved of 779JPMorgan Chase Bank, National Association: 93% approved of 87American Pacific Mortgage Corporation: 93% approved of 73Loandepot.Com, LLC: 93% approved of 134The Loan Store, Inc.: 94% approved of 54Movement Mortgage, LLC: 95% approved of 61Navy Federal Credit Union: 95% approved of 22Community West Bank, National Association: 95% approved of 22Morgan Stanley Private Bank, National Association: 96% approved of 25Dignified Home Loans, LLC: 96% approved of 76Paramount Residential Mortgage Group, Inc.: 98% approved of 40Guild Mortgage Company LLC: 98% approved of 47Guaranteed Rate, Inc.: 99% approved of 597Crosscountry Mortgage, LLC: 100% approved of 265Coastal Funding Slc, Inc.: 100% approved of 290Kd Capital Mortgage Corporation: 100% approved of 140Envoy Mortgage, Ltd: 100% approved of 109Central Coast Lending, Inc.: 100% approved of 89Mega Capital Funding, Inc.: 100% approved of 67Cmg Mortgage, Inc.: 100% approved of 27Alameda Mortgage Corporation: 100% approved of 25

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in San Luis Obispo County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only93%724 / 77998%$605K713
2Guaranteed Rate, Inc.99%592 / 59799%$625K587
3Coastal Funding Slc, Inc.100%290 / 290100%$565K289
4Crosscountry Mortgage, LLC100%264 / 26599%$575K262
5Rocket Mortgage, LLC87%201 / 232100%$605K200

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 305 more lenders.

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