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%One lender: 38% approved of 24One lender: 40% approved of 30One lender: 51% approved of 39Sesloc: 54% approved of 134One lender: 67% approved of 24Bank of America, National Association: 69% approved of 75One lender: 70% approved of 20One lender: 70% approved of 20One lender: 73% approved of 30One lender: 81% approved of 31One lender: 81% approved of 27Rocket Mortgage, LLC: 83% approved of 102One lender: 86% approved of 44United Wholesale Mortgage, LLC: 87% approved of 243One lender: 88% approved of 49One lender: 89% approved of 35One lender: 90% approved of 58One lender: 92% approved of 26One lender: 93% approved of 30One lender: 95% approved of 21One lender: 96% approved of 25Guaranteed Rate, Inc.: 97% approved of 116One lender: 100% approved of 56

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 187 more lenders.

One email unlocks every lender Fat Boy found.

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

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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