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Sesloc

Credit UnionSan Luis Obispo, CAHQDirectReviews near you on Google

Sesloc has 62 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Exceptional
5/5
Single State · 1 mkts

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Sesloc performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 5.1 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume57
Mix91.9%
Spread
-0.019%Below
Fees
$864Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume39
Mix62.9%
Spread
-0.017%Below
Fees
$465Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume23
Mix37.1%
Spread
-0.140%Below
Fees
$1,481Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
62
Applications
109
Volume
$31 million
Pricing & Closing
Avg Rate Spread
-0.051%
vs. market APOR
Avg Net Fees
$750
Origination − Credits
Pullthrough Rate
56.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$514,194
Avg Borrower Income
$211,613
Avg Property Value
$923,871

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Sricklef · CC BY 4.0
San Luis Obispo, CAMetro
Volume 52Mix 83.87% of portfolio
81/100
Exceptional

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 62Mix 100.00% of portfolio
61/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.