California · HMDA 2025
Mortgage lenders in San Luis Obispo County, CA
368 lenders reported 9,439 home-loan applications in San Luis Obispo County in 2025. 4,840 closed as loans ($2.5B), 1,329 were denied — a 20.6% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 21% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,439
- Loans originated
- 4,840
- Purchase / refinance
- 2,088 / 1,697
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Luis Obispo County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 684 | 7.2% | — |
| 2 | GUARANTEED RATE, INC. | 675 | 7.2% | — |
| 3 | SESLOC | 624 | 6.6% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 385 | 4.1% | — |
| 5 | Rocket Mortgage, LLC | 366 | 3.9% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 363 | 3.8% | 14.1% |
| 7 | Loandepot.Com, LLC | 267 | 2.8% | — |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 225 | 2.4% | 44.7% |
| 9 | THE GOLDEN 1 | 210 | 2.2% | — |
| 10 | COASTAL FUNDING SLC, INC. | 208 | 2.2% | — |
| 11 | NEWREZ LLC | 198 | 2.1% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 184 | 1.9% | 39.5% |
| 13 | SPRING EQ, LLC | 183 | 1.9% | — |
| 14 | PHH Mortgage Corporation | 176 | 1.9% | — |
| 15 | CROSSCOUNTRY MORTGAGE, INC. | 164 | 1.7% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 143 | 1.5% | — |
| 17 | KIND LENDING, LLC | 140 | 1.5% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 127 | 1.3% | — |
| 19 | FIGURE LENDING LLC | 121 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 105 | 1.1% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 102 | 1.1% | 3.0% |
| 22 | THE LOAN STORE, INC. | 98 | 1.0% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 91 | 1.0% | — |
| 24 | ENVOY MORTGAGE, LTD | 82 | 0.9% | — |
| 25 | GOLDEN EMPIRE MORTGAGE, INC. | 67 | 0.7% | — |
| 26 | 21st Mortgage Corporation | 65 | 0.7% | — |
| 27 | Mechanics Bank 65 out of 100, Moderate | 65 | 0.7% | 20.1% |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 60 | 0.6% | 32.9% |
| 29 | COASTHILLS CREDIT UNION | 60 | 0.6% | — |
| 30 | EDUCATIONAL EMPLOYEES CREDIT UNION 96 out of 100, Very strong | 58 | 0.6% | 52.0% |
| 31 | Broker Solutions, Inc. | 57 | 0.6% | — |
| 32 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 57 | 0.6% | 35.5% |
| 33 | Murphy Bank | 57 | 0.6% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 55 | 0.6% | 22.2% |
| 35 | CENTRAL COAST LENDING, INC. | 55 | 0.6% | — |
| 36 | BETTER MORTGAGE CORPORATION | 54 | 0.6% | — |
| 37 | AmeriSave Mortgage Corporation | 53 | 0.6% | — |
| 38 | SCHOOLSFIRST | 53 | 0.6% | — |
| 39 | ALLIANT CREDIT UNION 60 out of 100, Moderate | 53 | 0.6% | 34.0% |
| 40 | MOVEMENT MORTGAGE, LLC | 51 | 0.5% | — |
Top 40 of 368 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps