# Best Mortgage Lenders for Conventional Loans in San Luis Obispo - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top Conventional mortgage lenders in San Luis Obispo across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** San Luis Obispo
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 34
- **Total Loan Volume:** 1,825
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 2 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 3 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 4 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 5 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 6 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 7 | [KD CAPITAL MORTGAGE CORPORATION](https://saferate.com/lenders/kd-capital-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 8 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 9 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 10 | [COASTAL FUNDING SLC, INC.](https://saferate.com/lenders/coastal-funding-slc) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 11 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 12 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 13 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 14 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [Charles Schwab Bank, SSB](https://saferate.com/lenders/charles-schwab-bank-ssb) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 16 | [SESLOC](https://saferate.com/lenders/sesloc) | Credit Union | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 17 | [EDUCATIONAL EMPLOYEES CREDIT UNION](https://saferate.com/lenders/educational-employees-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 18 | [DIGNIFIED HOME LOANS, LLC](https://saferate.com/lenders/dignified-home-loans) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 19 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 20 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 21 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 22 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 23 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 24 | [THE GOLDEN 1](https://saferate.com/lenders/the-golden-1) | Credit Union | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 25 | [ENVOY MORTGAGE, LTD](https://saferate.com/lenders/envoy-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/san-luis-obispo/best-mortgage-lenders/conventional-loans)