refinance lenders · HMDA 2023–2025

Refinance lenders in San Luis Obispo County, California

Fat Boy Data analyzed mortgage refinance 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. 1,835 applications were decided by 192 lenders between 2023 and 2025.

San Luis Obispo County at a glance

192Active lenders23 with 20+ decisions
79.5%Market approval rate1,459 of 1,835 decided
$545KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,387 loans funded

How San Luis Obispo County compares

Approval rate compared
San Luis Obispo County79.5%California76.7%All 616 counties76.5%
Typical loan compared
San Luis Obispo County$545KCalifornia$655KAll 616 counties$295K

What the data shows

Guaranteed Rate, Inc. made the most mortgage refinances in San Luis Obispo County, CA, 113 of them.

Coastal Funding Slc, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 56.

The typical mortgage refinance here is $545K, 17% smaller than the California typical of $655K.

Approval rate of all 23 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 38% approved of 24Lakeview Loan Servicing, LLC: 40% approved of 30Third Federal Savings And Loan Association Of Cleveland: 51% approved of 39Sesloc: 54% approved of 134HTLF Bank: 67% approved of 24Bank of America, National Association: 69% approved of 75Kind Lending, LLC: 70% approved of 20Educational Employees Credit Union: 70% approved of 20Mechanics Bank: 73% approved of 30Mutual of Omaha Mortgage, Inc.: 81% approved of 31Onity Mortgage Corporation: 81% approved of 27Rocket Mortgage, LLC: 83% approved of 102Pennymac Loan Services, LLC: 86% approved of 44United Wholesale Mortgage, LLC: 87% approved of 243Loandepot.Com, LLC: 88% approved of 49Longbridge Financial, LLC: 89% approved of 35Finance of America Reverse LLC: 90% approved of 58U.S. Bank National Association: 92% approved of 26Freedom Mortgage Corporation: 93% approved of 30JPMorgan Chase Bank, National Association: 95% approved of 21Crosscountry Mortgage, LLC: 96% approved of 25Guaranteed Rate, Inc.: 97% approved of 116Coastal Funding Slc, Inc.: 100% approved of 56

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

Refinance lenders in San Luis Obispo County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only87%211 / 24399%$585K208
2Sesloc54%72 / 13481%$255K58
3Guaranteed Rate, Inc.97%113 / 116100%$755K113
4Rocket Mortgage, LLC83%85 / 10292%$525K78
5Bank of America, National Association69%52 / 75100%$205K52

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 187 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in San Luis Obispo County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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  • Typical loan and full range
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  • Branch count and how to apply
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