Sesloc mortgage approval rate & lending review
Sesloc decided 1,491 mortgage applications and funded 893 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sesloc reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sesloc at a glance
Approval is 3.4 points below the 68.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 125 / 150 | 92% | $515K | 115 |
| Home improvement loans | 60% | 493 / 828 | 100% | $155K | 492 |
| Cash-out refinance | 79% | 208 / 263 | 81% | $145K | 169 |
| Refinance | 51% | 94 / 185 | 82% | $255K | 77 |
| Investment property purchase | 74% | 20 / 27 | 85% | $525K | 17 |
Sesloc lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 65% | $155K | 1,491 | 893 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Sesloc lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Luis Obispo County, CA | Home improvement loans | 61% | 675 | 415 |
| San Luis Obispo County, CA | Cash-out refinance | 82% | 190 | 127 |
| San Luis Obispo County, CA | Mortgage lenders | 82% | 125 | 95 |
| Santa Barbara County, CA | Home improvement loans | 53% | 131 | 68 |
| San Luis Obispo County, CA | Refinance | 54% | 134 | 58 |
| Santa Barbara County, CA | Cash-out refinance | 71% | 63 | 35 |
| Santa Barbara County, CA | Refinance | 41% | 49 | 17 |
| San Luis Obispo County, CA | Investment property purchase | 75% | 24 | 15 |
The county markets where Sesloc made the most loans. Each link opens that market with every lender ranked.
Questions about Sesloc
What is Sesloc's mortgage approval rate?
Sesloc approved 65.2% of the 1,491 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.4 points below the 68.6% national rate for the same mix of loan types.
How often do borrowers take the loan Sesloc offers?
Borrowers accepted 92% of the loans Sesloc approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sesloc make?
The typical home improvement loan loan Sesloc made was $155K; across all loan types its typical loan ran from $145K to $525K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sesloc lend?
Sesloc decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Sesloc directly?
Yes. Sesloc is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sesloc's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Sesloc treats applications, then get a rate quote from the lender.